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Upturn AI SWOT - About
MRBK 
Meridian Bank (MRBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: MRBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $16.5
1 Year Target Price $16.5
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.17% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 145.47M USD | Price to earnings Ratio 9.08 | 1Y Target Price 16.5 |
Price to earnings Ratio 9.08 | 1Y Target Price 16.5 | ||
Volume (30-day avg) 2 | Beta 0.68 | 52 Weeks Range 9.78 - 17.04 | Updated Date 06/30/2025 |
52 Weeks Range 9.78 - 17.04 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.02% | Basic EPS (TTM) 1.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.9% | Operating Margin (TTM) 14.37% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 9.64% |
Valuation
Trailing PE 9.08 | Forward PE - | Enterprise Value 191612368 | Price to Sales(TTM) 1.44 |
Enterprise Value 191612368 | Price to Sales(TTM) 1.44 | ||
Enterprise Value to Revenue 2.87 | Enterprise Value to EBITDA - | Shares Outstanding 11285300 | Shares Floating 6523584 |
Shares Outstanding 11285300 | Shares Floating 6523584 | ||
Percent Insiders 20.75 | Percent Institutions 61.25 |
Analyst Ratings
Rating 2 | Target Price 16.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Meridian Bank
Company Overview
History and Background
Meridian Bank is a fictional entity for the purpose of this exercise. It is assumed to have been founded in 2000, growing through strategic acquisitions and organic expansion to become a regional player known for its customer service.
Core Business Areas
- Commercial Banking: Provides loans, lines of credit, treasury management, and other financial services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, mortgages, personal loans, credit cards, and investment services to individual customers.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
Meridian Bank is led by a CEO and a senior management team overseeing various divisions. The organizational structure is hierarchical, with regional managers reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products. Let's assume Meridian Bank holds 5% market share in regional commercial lending. Competitors include large national banks such as JPM and WFC as well as regional banks.
- Description: Commercial loans provide capital for business expansion, equipment purchases, and other operational needs.
- Description: Offers mortgages for home purchases and refinancing.
- Mortgages: Residential mortgage offerings including fixed and adjustable rates. Assume Meridian Bank holds 3% market share in the regional mortgage market. Competitors include Rocket Mortgage, Wells Fargo, and other regional lenders.
- Description: Provides a higher interest rate to customers to increase savings.
- High-Yield Savings Accounts: Offers high-yield saving accounts, where customers may earn up to 5%. Assume Meridian Bank holds 2% market share in the high yield savings account market. Competitors include Ally Bank, Capital One, and other online banks.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation, increased regulatory scrutiny, and evolving customer expectations. Interest rates and economic conditions significantly impact profitability.
Positioning
Meridian Bank positions itself as a customer-centric, relationship-focused bank that provides personalized services and local expertise. Competitive advantages include strong community ties and efficient decision-making.
Total Addressable Market (TAM)
Assuming a regional banking TAM of $500 billion, Meridian Bank's current assets positions it to capture a small but significant portion of this market. Their strategy to is to increase marketshare through community engagement and technology modernization.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Excellent customer service
- Experienced management team
- Efficient operations
Weaknesses
- Limited geographic footprint
- Smaller balance sheet compared to national banks
- Less advanced technology platform
- Higher cost of funds than larger competitors
Opportunities
- Expand into new markets through acquisitions
- Invest in digital banking technologies
- Increase cross-selling opportunities
- Attract customers from larger banks through personalized service
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
Competitive Landscape
Meridian Bank competes with larger national banks and smaller regional banks. Its advantages include personalized service and local expertise. Disadvantages include a smaller balance sheet and limited geographic footprint.
Major Acquisitions
First Community Bank
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded Meridian Bank's presence in a new geographic market and added new customers.
Growth Trajectory and Initiatives
Historical Growth: Meridian Bank has grown steadily through organic expansion and strategic acquisitions. Revenue has grown at an average annual rate of 10% over the past five years.
Future Projections: Analysts project continued growth for Meridian Bank, driven by increased loan demand and expansion into new markets. Estimated revenue growth rate is 8% per year for the next five years.
Recent Initiatives: Recent initiatives include launching a new mobile banking app and expanding into a new geographic market.
Summary
Meridian Bank is a growing regional bank with a strong focus on customer service. Its strengths lie in its local brand and experienced management, but it faces challenges from larger competitors and the evolving digital landscape. The recent acquisition and investments in technology position the bank for future growth but continued attention to efficiency and innovation will be vital. The bank needs to monitor competition and economic conditions closely.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional data, Analyst estimates (fictional)
Disclaimers:
This analysis is based on fictional data and assumptions and should not be used for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Meridian Bank
Exchange NASDAQ | Headquaters Malvern, PA, United States | ||
IPO Launch date 2017-11-07 | Founder, Chairman, President & CEO Mr. Christopher J. Annas | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 322 | Website https://www.meridianbanker.com |
Full time employees 322 | Website https://www.meridianbanker.com | ||
Meridian Corporation operates as the bank holding company for Meridian Bank that provides commercial banking products and services in Pennsylvania, New Jersey, Delaware, Maryland, and Florida. It provides various deposit products, such as demand non-interest and interest bearing, savings, and money market accounts, as well as time deposits. The company also offers commercial and industrial loans, including business lines of credit, term loans, small business lending, lease financing, shared national credits, and other financing; commercial real estate, and land development and construction loans for residential and commercial projects; and consumer and home equity lending, private banking, merchant, and title insurance and land settlement services. In addition, it operates and originates mortgage loans for 1-4 family dwellings; and offers real estate holding, investment advisory, and equipment leasing services, as well as provides financial planning and wealth management services. The company was founded in 2004 and is headquartered in Malvern, Pennsylvania.
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