ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Meridian Corp. (Pennsylvania) ?
1
High Profitability with a Net Interest Margin of 10.59%
2
Strong Long Term Fundamental Strength with a 7.90% CAGR growth in Net Profits
3
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%
4
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 -1.41%, its profits have risen by 35% ; the PEG ratio of the company is 0.3
5
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.91% over the previous quarter and currently hold 5.86% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
6
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -1.41% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow 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)
-3.69%
1.77
32.60%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.80%
EBIT Growth (5y)
5.36%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
34.39%
Pledged Shares
0
Institutional Holding
66.15%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What 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 (%)
(Q
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 periodsMOJO 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 yearsMOJO 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 MMMOJO 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 MMMOJO 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 periodsMOJO 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 periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 8.03 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 3.15 MM
in the last five periodsMOJO 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 periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.21
in the last five periodsMOJO 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 periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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