Meridian Corp. (Pennsylvania) (MRBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

First National Corp. (Virginia)

Franklin Financial Services Corp. (Pennsylvania)

FNCB Bancorp, Inc.

LINKBANCORP, Inc.

Peoples Bancorp of North Carolina, Inc.

Meridian Corp. (Pennsylvania)

Hawthorn Bancshares, Inc.

Ohio Valley Banc Corp.

United Security Bancshares (California)

First Financial Northwest, Inc.

First Guaranty Bancshares, Inc.

Why is Meridian Corp. (Pennsylvania) ?

High Profitability with a Net Interest Margin of 10.59%

Strong Long Term Fundamental Strength with a 7.90% CAGR growth in Net Profits

Positive results in Mar 25

NET PROFIT(HY) At USD 8 MM has Grown at 146.38%
NII(Q) Highest at USD 19.78 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 59.64%

With ROA of 0.51%, it has a attractive valuation with a 0.88 Price to Book Value

Over the past year, while the stock has generated a return of 25.27%, its profits have risen by 35% ; the PEG ratio of the company is 0.3

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Meridian Corp. (Pennsylvania) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Meridian Corp. (Pennsylvania) for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Meridian Corp. (Pennsylvania)

-100.0%

2.22

32.04%

S&P 500

15.4%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

23.80%

EBIT Growth (5y)

5.36%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

34.39%

Pledged Shares

Institutional Holding

67.80%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.88

EV to EBIT

8.27

EV to EBITDA

8.05

EV to Capital Employed

0.89

EV to Sales

1.09

PEG Ratio

0.28

Dividend Yield

2.81%

ROCE (Latest)

10.80%

ROE (Latest)

9.26%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NET PROFIT(HY)

At USD 8 MM has Grown at 146.38%

NII(Q)

Highest at USD 19.78 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 59.64%

-14What is not working for the Company

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 97.32%

OPERATING PROFIT(Q)

Lowest at USD 3.15 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 8.03 %

PRE-TAX PROFIT(Q)

Lowest at USD 3.15 MM

NET PROFIT(Q)

Lowest at USD 2.4 MM

EPS(Q)

Lowest at USD 0.21

Here's what is working for Meridian Corp. (Pennsylvania)

NII

Highest at USD 19.78 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend Payout Ratio

Highest at 59.64% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Meridian Corp. (Pennsylvania)

Pre-Tax Profit

At USD 3.15 MM has Fallen at -42.26%

over average net sales of the previous four periods of USD 5.45 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 2.4 MM has Fallen at -41.29%

over average net sales of the previous four periods of USD 4.09 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 2.5%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Profit

Lowest at USD 3.15 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 8.03 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 3.15 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 2.4 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.21

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 97.32%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)