Meridian Corp. (MRBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$16.36-4.47%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · MRBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -7.5% |
| Our one-year growth estimate | diamond | -15.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 8.1 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is on a run of consecutive earnings misses and is a smaller-cap name (higher miss base rate). A fundamental tilt, not a price call.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
MRBK — earnings miss
Dated 2026-10-30
shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities under that Section. Furthermore, such information, including the exhibit attached hereto, shall not be deemed incorporated by reference into any of the Corporation’s reports or filings with the SEC under the Securities Exchange Act of 1933, as amended (the "Securities Act"), or the Exchange Act, whether made before or after the…
Why it matters: The margin rose in Q3 as loan yields improved. Higher deposit costs could weaken that gain.
Watch forNet interest margin rises above Q3's 3.77%.
Also watch forNet interest margin falls below Q3's 3.77%.
Why it matters: Low housing inventory cut closed mortgage loans by 27% from Q2. Higher sales could lift mortgage income; continued weakness could add pressure.
Watch forMortgage loans sold exceed Q3's reported level, and closed loans rise from the Q3 total.
Also watch forMortgage loans sold decline further, or closed loans remain below Q3 after the usual seasonal peak.
Why it matters: Management is working to clear troubled loans while limiting losses. Non-performing loans fell in Q3, but remain high.
Supportive ifNon-performing loans fall below $78.3 million, and net charge-offs stay at or below Q3's $1.9 million.
Worry ifNon-performing loans top $78.3 million, or net charge-offs top $1.9 million.
Why it matters: Management booked $363 million in new lines and term loans, yet loan balances were generally flat. Payoffs and competition held back growth.
Supportive ifTotal loans rise above the Q3 level of $2.164 billion, with reported growth in commercial lending.
Worry ifTotal loans stay at or below $2.164 billion. Management again reports flat balances or large payoffs.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$64 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $211 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,076 loss on $10,000 · 20.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.