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Upturn AI SWOT - About
MRBK 
Meridian Bank (MRBK)
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Upturn Advisory Summary
10/14/2025: MRBK (1-star) is a SELL. SELL since 3 days. Simulated Profits (2.67%). Updated daily EoD!
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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19
1 Year Target Price $19
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 38.14% | Avg. Invested days 47 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 168.95M USD | Price to earnings Ratio 8.95 | 1Y Target Price 19 |
Price to earnings Ratio 8.95 | 1Y Target Price 19 | ||
Volume (30-day avg) 2 | Beta 0.78 | 52 Weeks Range 11.06 - 16.90 | Updated Date 10/14/2025 |
52 Weeks Range 11.06 - 16.90 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 3.48% | Basic EPS (TTM) 1.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.24% | Operating Margin (TTM) 25.44% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 10.77% |
Valuation
Trailing PE 8.95 | Forward PE - | Enterprise Value 304036032 | Price to Sales(TTM) 1.59 |
Enterprise Value 304036032 | Price to Sales(TTM) 1.59 | ||
Enterprise Value to Revenue 2.97 | Enterprise Value to EBITDA - | Shares Outstanding 11301228 | Shares Floating 6328040 |
Shares Outstanding 11301228 | Shares Floating 6328040 | ||
Percent Insiders 20.87 | Percent Institutions 62.27 |
Upturn AI SWOT
Meridian Bank
Company Overview
History and Background
Meridian Bank is a fictional entity created for this exercise. It was founded in 2005 as a regional bank focusing on commercial lending. It expanded into wealth management and retail banking over time.
Core Business Areas
- Commercial Lending: Provides loans and credit facilities to small and medium-sized businesses. Focuses on building relationships with local entrepreneurs.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
- Retail Banking: Provides traditional banking services such as checking accounts, savings accounts, mortgages, and personal loans to individual customers.
Leadership and Structure
The bank is led by a CEO and a board of directors. The organizational structure includes separate divisions for commercial lending, wealth management, and retail banking, each headed by a senior executive.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for the acquisition and development of commercial properties. Market share is estimated at 5% regionally. Competitors include Wells Fargo, PNC, and local credit unions. Revenue: 50 million USD.
- High-Yield Savings Accounts: Offers competitive interest rates on savings accounts to attract retail customers. Market share is estimated at 3% regionally. Competitors include Bank of America, Chase, and online banks. Number of users: 200,000.
- Wealth Management Services: Provide investment management and retirement planning. Market share of 2% in the region. Competitors include Fidelity, Schwab, Vanguard. Revenue: 30 million USD.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, with both large national banks and smaller regional players. The industry is subject to regulatory oversight and is influenced by macroeconomic conditions such as interest rates and economic growth.
Positioning
Meridian Bank positions itself as a relationship-focused regional bank that provides personalized service to its customers. It aims to compete on service quality and local expertise.
Total Addressable Market (TAM)
The TAM for regional banking services is estimated at $500 billion. Meridian Bank's market share represents a small fraction of the total market, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- High levels of customer satisfaction
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Lower brand recognition
- Dependence on regional economy
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Development of new digital banking products
- Increase in commercial lending activity
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- WFC
- PNC
- USB
Competitive Landscape
Meridian Bank faces competition from larger national banks with greater resources and brand recognition. However, it differentiates itself through its focus on customer service and local expertise.
Major Acquisitions
First Community Bank
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded Meridian Bank's presence in a neighboring market.
Growth Trajectory and Initiatives
Historical Growth: Meridian Bank has grown steadily over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project revenue growth of 6% per year over the next five years. EPS is expected to grow at a similar rate.
Recent Initiatives: The bank has recently launched a new mobile banking app and expanded its commercial lending team.
Summary
Meridian Bank is a regional bank with a solid foundation and a focus on customer relationships. Its strengths lie in its local expertise and personalized service. However, it faces challenges from larger competitors and needs to invest in digital technology to remain competitive. Meridian Bank is a stable entity but must be wary of external factors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional data based on industry averages and hypothetical scenarios.
Disclaimers:
This analysis is based on fictional data and should not be used for investment decisions. Consult with a financial advisor before making any 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.