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Stock Ratings / Financials / MRBK
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Meridian Corporation (MRBK) — RQD Stock Rating Cockpit

$18.57 -0.69% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.51

Meridian Corporation (MRBK) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $223.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MRBK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MRBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Meridian Corporation (NASDAQ: MRBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $18.57 (-0.69% 1D, market cap $223.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MRBK ranks #373 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MRBK compare to OPBK and INBK in the Financials sector?
▼

Within the Financials sector (Major Banks), MRBK carries a Roarable C- (61/100 RQD), trailing P/E of 10.4x, gross margin of —, and ROIC of 10.9%. By comparison, OPBK (OP Bancorp) holds a C grade (63/100 RQD, P/E 9.0x, ROIC 11.2%, cap $225.2M) and INBK (First Internet Bancorp) posts a D- grade (43/100 RQD, P/E N/A, ROIC -9.8%, cap $225.4M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MRBK?
▼

Per MRBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001750735), Meridian Corporation generated $6.3M in revenue (+10.1% YoY), $21.8M in net income, and $22.6M in free cash flow against $2.56B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $18.51 (-0.31%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 357.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510061
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk D+
Cash (15)Whales (8)SEC (13)Macro (9)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
$23 Bull$19 Base$15 Bear
📬 FREE MRBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MRBK)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY MRBK SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 357.3% FCF Margin ($22.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
69
Grade B-$18.58-0.5% Next Q
Q2 (-2Q)
66
Grade B-$18.48+1.3% Next Q
Q3 (-1Q)
64
Grade C+$18.72-0.8% Next Q
Current
61
Grade C-$18.57+0.5% Hist 90D α
Trajectory: B- (69) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MRBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, MRBK faces multiple-compression risk if 10.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($19.05) or 200D SMA ($19.24) invalidates the momentum regime and cuts Target Base ($18.82) toward Bear Floor ($14.68).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MRBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MRBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 61%NO 39%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
46.930 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE60% OF RANGE
L: $14$18.57H: $22
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on MRBK

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (75)

10.9% ROIC with 42.0% gross margin and 9.95% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (55)

24/40 institutional & smart-money positioning score with 9/20 macro alignment.

Bull Case: Why Buyers Like MRBK
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (MRBK Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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MRBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.45%📐 HORIZONTAL RANGE
2026-11-03O $19.02H $19.02L $18.57C $18.57VOL 58.1K
RES: $20.86SUP: $18.05SMA50: $19.05SMA200: $19.24
$21.05$19.92$18.79$17.65$16.52RES $20.86SUP $18.05$18.572026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MRBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MRBK Butterfly Map → + Track MRBK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-0.4%/yr Implied 5Y Growth

vs. +10.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MRBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MRBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MRBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MRBK)

Financials Rank #373 of 1097 ⚔️ OPBK vs MRBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (MRBK vs. OPBK, INBK, GBFH, CFBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Meridian Corporation (MRBK) ranks #373 by composite RQD confidence (61/100, grade C-) and #867 by equity capitalization ($223.1M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while GBFH leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. CFBK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with MRBK at 61/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MRBK ACTIVE
Meridian Corporation
C- 61/100 10.4x — 10.9% -0.69% $223.1M Benchmark Subject
OPBK
OP Bancorp
C 63/100 9.0x — 11.2% +1.66% $225.2M /opbk-vs-mrbk →
INBK
First Internet Bancorp
D- 43/100 — — -9.8% +4.03% $225.4M /inbk-vs-mrbk →
GBFH
GBank Financial Holdings Inc.
D 46/100 10.6x — 12.6% +1.06% $220.1M /gbfh-vs-mrbk →
CFBK
CF Bankshares Inc.
C+ 66/100 12.7x — 9.5% +2.49% $219.1M /cfbk-vs-mrbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001750735 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Meridian Corporation (MRBK) reported GAAP revenue of $6.3M (+10.1% vs. FY2024 revenue of $5.7M , and +28.2% cumulative change since FY2023) , GAAP net income of $21.8M, operating cash flow of $24.3M, and free cash flow of $22.6M (+149.9% YoY). On the balance sheet, MRBK closed FY2025 with $2.56B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $6.3M $21.8M $24.3M $22.6M $2.56B —
FY2024 (FY) 2024-12-31 $5.7M $16.3M $9.6M $9.0M $2.39B —
FY2023 (FY) 2023-12-31 $4.9M $13.2M $18.9M $18.9M — —

3. MRBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MRBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Meridian Corporation (NASDAQ: MRBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $18.57 (-0.69% 1D, market cap $223.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MRBK ranks #373 in composite RQD confidence.

How does MRBK compare to OPBK and INBK in the Financials sector?

Within the Financials sector (Major Banks), MRBK carries a Roarable C- (61/100 RQD), trailing P/E of 10.4x, gross margin of —, and ROIC of 10.9%. By comparison, OPBK (OP Bancorp) holds a C grade (63/100 RQD, P/E 9.0x, ROIC 11.2%, cap $225.2M) and INBK (First Internet Bancorp) posts a D- grade (43/100 RQD, P/E N/A, ROIC -9.8%, cap $225.4M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MRBK?

Per MRBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001750735), Meridian Corporation generated $6.3M in revenue (+10.1% YoY), $21.8M in net income, and $22.6M in free cash flow against $2.56B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MRBK trading relative to its 50-day, 200-day, and 52-week technical levels?

MRBK last traded at $18.57 (-0.69% on volume of 134,078 shares), positioning the stock -2.52% below its 50-day simple moving average ($19.05) and -3.48% below its 200-day simple moving average ($19.24). Across its 52-week range of $13.92 to $21.67, MRBK sits at the 60.0% percentile with a 14-day RSI of 46.9 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($17.64 to $19.50).

Direct Sub-Reports: MRBK RQD Cockpit MRBK 12M Forecast MRBK Earnings & Move MRBK Dividends & DRIP MRBK Insiders & 13F MRBK Whale Options MRBK Profit Sankey MRBK News & Why
ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

MRBK — Meridian Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Meridian Corporation (MRBK) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $18.57 (-0.69% 1D, market capitalization $223.1M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 10.9%, gross margin of —, operating margin of —, and free cash flow yield of 9.95%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Meridian Corporation (MRBK) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $223.1M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 10.9% (free cash flow yield of 9.95%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Meridian Corporation (MRBK) reported $6.3M in annual revenue (up from $5.7M in FY2024, +10.1% YoY) and $21.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($4.9M revenue, $13.2M net income) through FY2025, MRBK scaled operating cash flow to $24.3M and free cash flow to $22.6M, backed by $2.56B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 61/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $13.92 – $21.67 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 10.4x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), MRBK carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can MRBK sustain or expand its — operating margin and 10.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $6.3M and free cash flow of $22.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MRBK's 9.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MRBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Meridian Corporation (MRBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MRBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MRBK Bull vs. Bear Conversation Board — What's Your Call at $18.57?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MRBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MRBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $23.75 (+27.0%)
📌 Pinned Debate

Low P/E (10.4 TTM, 9.7 forward) combined with a 9.95% FCF yield and 10.9% ROIC suggests cash generation priced at a discount.

Low P/E (10.4 TTM, 9.7 forward) combined with a 9.95% FCF yield and 10.9% ROIC suggests cash generation priced at a discount.. When you look under the hood at MRBK, Fundamental Cash Engine is 15/20 with 0.0% gross margins and 10.9% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (8/20) has been quietly accumulating below $21.67. My 12M target is $23.75.

RetailWhale_TX 🐂 BULL

Both sides have a point here — MRBK's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $16.08 (-14.0%)
Spot @ $18.70

Beta of 1.0 and a 10/20 macro-regime score, alongside a headline reporting a 10.3% profit decline, point to limited insulation from mar

Careful chasing MRBK at $18.70. Beta of 1.0 and a 10/20 macro-regime score, alongside a headline reporting a 10.3% profit decline, point to limited insulation from market and sector swings.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $16.08 on multiple compression.

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