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Upturn AI Summary - About
Meridian Bank(MRBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MRBK
10/09/2026: MRBK (1-star) is currently NOT-A-BUY. Pass it for now.
Meridian Bank is a regional financial institution focused on providing commercial and retail banking services in the Greater Philadelphia area. The company excels at building localized, relationship-driven credit and deposit services, which serves as its primary business strength. Its growth story centers on capturing market share from larger institutions by offering more personalized commercial lending. However, investors must monitor risks related to its geographic concentration, interest rate sensitivity, and competition from both national and local banking players. The stock may suit value-oriented investors interested in regional financial exposure, provided they are comfortable with the inherent volatility of community-focused banking institutions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional economic cycles rather than high-velocity scaling. |
| Momentum investor | Weak fit | This is a stable, small-cap regional bank not typically driven by momentum trading. |
| Value investor | Strong fit | Often trades at multiples reflective of underlying book value and regional banking sector trends. |
| Dividend investor | Mixed fit | Dividends are subject to capital retention needs and regulatory approval for a growing bank. |
| Low-risk investor | Mixed fit | Regional banking carries inherent economic and interest rate risks despite steady business operations. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap regional bank stocks often experience significant fluctuations based on macro news. |
| Valuation risk | Medium | Bank valuations are sensitive to book value fluctuations and interest rate projections. |
| Competition risk (traditional banking) | High | Intense competition from larger banks and local peers limits pricing power. |
| Business quality | Medium | The bank has a solid local franchise but lacks the diversification of a national player. |
| Dividend income | Low | Income generation is not the primary investment thesis for this regional bank. |
| Execution risk | Medium | Success depends on maintaining credit quality while growing the loan portfolio in a competitive market. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 39.88% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 222.24M USD | Price to earnings Ratio 10.18 | 1Y Target Price 23 |
Price to earnings Ratio 10.18 | 1Y Target Price 23 | ||
Volume (30-day avg) 68.5K shares | Beta 0.64 | 52 Weeks Range 13.40 - 21.36 | Updated Date 10/09/2026 |
52 Weeks Range 13.40 - 21.36 | Updated Date 10/09/2026 | ||
Dividends yield (FY) 2.91% | Basic EPS (TTM) 1.83 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on customer deposits. | The bank earns money by acting as a middleman between savers and borrowers. |
| Non-Interest Income | Service fees, wealth management fees, and loan origination fees. | These are fees collected for specific services beyond simple lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.18 | Forward PE 9.74 | Enterprise Value 344.51M | Price to Sales(TTM) 1.96 |
Enterprise Value 344.51M | Price to Sales(TTM) 1.96 | ||
Enterprise Value to Revenue 2.96 | Enterprise Value to EBITDA - | Shares Outstanding 11.93M | Shares Floating 9.76M |
Shares Outstanding 11.93M | Shares Floating 9.76M | ||
Percent Insiders 20.51 | Percent Institutions 66.86 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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