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The Corporation is a bank holding company engaged in banking activities through its wholly-owned subsidiary, Meridian Bank (the Bank ), a full-service, state-chartered commercial bank with offices in the Delaware Valley tri-state market, which includes Pennsylvania, New Jersey and Delaware, as well as in the Central Maryland market, and southwest Florida. We have a financial services business m…
$20.24
$0.40 (-1.94%)
EOD Jul 17, 2026
Revenue declined 56.0% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
10.9x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
-$11M
▼ -56.0% YoY
Net Income (TTM)
$21M
▲ +33.6% YoY
Net Margin
—
P/E
10.9x
Balance Sheet
Total Assets
$2.58B
Equity
$200M
Total Debt
$110M
Cash & Equiv.
N/A
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At a P/E of 10.9 and a price-to-free-cash-flow of 33.5, Meridian (MRBK) trades above a two-stage DCF intrinsic value of about $1.40 per share, so at $20.24 the stock looks overvalued (93.1% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Meridian scores 60/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $1.40 per share for MRBK, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $1.05. At today's $20.24, that puts the stock about 93.1% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Meridian scores 60 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Meridian pays a regular dividend of about $0.49 per share per year (typically in quarterly installments), a yield of roughly 2.4% at the current price. That is a payout ratio of about 27.6% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For MRBK's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. MRBK currently trades above its estimated intrinsic value and scores 60/100 on quality (solid). It also yields about 2.4%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.