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Upturn AI SWOT - About
MRBK 
Meridian Bank (MRBK)
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Upturn Advisory Summary
08/29/2025: MRBK (3-star) is a STRONG-BUY. BUY since 35 days. Profits (13.40%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
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 52.58% | Avg. Invested days 42 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 177.88M USD | Price to earnings Ratio 9.78 | 1Y Target Price 19 |
Price to earnings Ratio 9.78 | 1Y Target Price 19 | ||
Volume (30-day avg) 2 | Beta 0.7 | 52 Weeks Range 10.52 - 16.90 | Updated Date 08/30/2025 |
52 Weeks Range 10.52 - 16.90 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 3.18% | Basic EPS (TTM) 1.61 |
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 9.78 | Forward PE - | Enterprise Value 312771552 | Price to Sales(TTM) 1.67 |
Enterprise Value 312771552 | Price to Sales(TTM) 1.67 | ||
Enterprise Value to Revenue 3.03 | Enterprise Value to EBITDA - | Shares Outstanding 11301200 | Shares Floating 6327045 |
Shares Outstanding 11301200 | Shares Floating 6327045 | ||
Percent Insiders 20.87 | Percent Institutions 62.18 |
Upturn AI SWOT
Meridian Bank
Company Overview
History and Background
Meridian Bank was founded in 2004 in Southeastern Pennsylvania. It has grown through organic expansion and strategic acquisitions, focusing on providing personalized banking services to businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, treasury management, and deposit solutions for businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
Meridian Bank's leadership team consists of experienced banking professionals. The organizational structure includes departments for commercial lending, retail banking, wealth management, and operations, reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans account for a significant portion of Meridian Bank's revenue. Competitors include large national banks and regional players like PNC and Citizens Bank. Market share data is not publicly available for Meridian Bank specifically.
- Market Share (%):
- Market Share (%):
- Mortgage Lending: Meridian Bank offers a variety of mortgage products. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions. Market share data is not publicly available for Meridian Bank specifically.
- Market Share (%):
- Treasury Management Services: Cash management, online banking, and merchant services for business clients. Competitors include Bank of America and Wells Fargo. Market share data is not publicly available for Meridian Bank specifically.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological disruption, and increased competition from fintech companies.
Positioning
Meridian Bank positions itself as a relationship-focused community bank with strong local ties, allowing them to provide personalized services that larger banks may not offer.
Total Addressable Market (TAM)
The TAM for banking services in Meridian Bank's region is estimated to be in the billions of dollars. Meridian Bank's positioning allows them to capture a significant share of the market by focusing on customer service and local expertise.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-focused banking model
- Experienced management team
- Diversified revenue streams
Weaknesses
- Smaller scale compared to national banks
- Limited brand recognition outside of its primary market
- Reliance on traditional banking channels
- Lack of publicly available market share and financial specifics
Opportunities
- Expanding into new geographic markets
- Adopting new technologies to improve efficiency and customer experience
- Acquiring smaller banks or credit unions
- Increasing focus on wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC
- Citizens
- WSFS
- Fulton
Competitive Landscape
Meridian Bank differentiates itself through its relationship-focused approach, while competing with larger banks on price and product offerings.
Major Acquisitions
Beneficial Bank
- Year: 2019
- Acquisition Price (USD millions): 442
- Strategic Rationale: Expanded Meridian's presence in the Philadelphia market and increased its assets.
Growth Trajectory and Initiatives
Historical Growth: Meridian Bank has experienced steady growth through organic expansion and strategic acquisitions.
Future Projections: Future growth projections are not publicly available.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
Meridian Bank operates as a community-focused bank in the competitive financial sector. Its strengths lie in its local market knowledge and relationship-based model. However, its smaller size and limited financial transparency hinder its ability to compete with larger national banks. Future growth hinges on strategic initiatives and navigating regulatory and economic challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- Public news articles
Disclaimers:
This analysis is based on limited publicly available information and should be considered an estimate. Market data and financials are not publicly accessible and were therefore unavailable.
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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