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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
11/06/2026: MRBK (1-star) is currently NOT-A-BUY. Pass it for now.
Meridian Bank is a community-focused bank holding company that utilizes a tech-enabled, low-overhead model to provide commercial and retail banking services. The bank’s primary strengths are its specialized expertise in SBA lending and a stable management team that has maintained a consistent strategy for years. A significant growth opportunity lies in its digital banking expansion and wealth management services. However, investors face risks, including concentration in the commercial real estate market, rising non-performing assets, and intense competition from larger national banks. It may suit income-oriented investors due to its dividend policy, but interested parties should monitor credit quality and asset performance closely.
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 | The bank offers potential through its tech-forward model, but growth is tempered by the constraints of a regional micro-cap entity. |
| Momentum investor | Mixed fit | Momentum may be inconsistent due to the small float and sector-specific sensitivity. |
| Value investor | Strong fit | The bank's valuation multiples often appeal to value-oriented investors looking for regional bank exposure. |
| Dividend investor | Strong fit | The company maintains a policy of regular quarterly dividends and has a history of special dividends. |
| Low-risk investor | Weak fit | Exposure to CRE loan concentration and micro-cap volatility makes this less suitable for ultra-conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap banking stocks often experience greater price swings relative to market averages. |
| Valuation risk | Medium | Investors must weigh the bank's current earnings multiples against the risk of credit quality deterioration. |
| Competition risk (Fintech and National Banks) | High | Pressure from digital-first fintechs and large banks with superior scale threatens customer acquisition. |
| Business quality | Medium | The bank maintains a strong focus on relationship banking but faces asset quality challenges in its CRE portfolio. |
| Dividend income | Medium | While dividends are paid, they depend on consistent earnings which can be impacted by loan losses. |
| Execution risk | Medium | Success depends on effectively managing credit risks in the commercial real estate sector. |
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 42.2% | 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 11/06/2026 |
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 198.09M USD | Price to earnings Ratio 9.88 | 1Y Target Price 22 |
Price to earnings Ratio 9.88 | 1Y Target Price 22 | ||
Volume (30-day avg) 83.4K shares | Beta 0.66 | 52 Weeks Range 13.63 - 21.36 | Updated Date 11/06/2026 |
52 Weeks Range 13.63 - 21.36 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 3.42% | Basic EPS (TTM) 1.68 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Bank Segment | Interest income from commercial, industrial, and real estate loans; deposit service fees. | This is the core engine, turning customer deposits into interest-earning loans. |
| Wealth Management | Fees generated by financial advisory and investment management services. | Provides recurring, fee-based income that is less dependent on interest rate spreads. |
| Mortgage Banking | Income from originating and selling home mortgages. | Highly sensitive to housing market activity and interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-30 | When After Market | Estimate 0.46 | Actual 0.43 |
Profitability
Profit Margin 17.97% | Operating Margin (TTM) 20.63% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 10.32% |
Valuation
Trailing PE 9.88 | Forward PE 9.74 | Enterprise Value 331.61M | Price to Sales(TTM) 1.76 |
Enterprise Value 331.61M | Price to Sales(TTM) 1.76 | ||
Enterprise Value to Revenue 2.9 | Enterprise Value to EBITDA - | Shares Outstanding 11.94M | Shares Floating 9.77M |
Shares Outstanding 11.94M | Shares Floating 9.77M | ||
Percent Insiders 20.5 | Percent Institutions 67.33 |
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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