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MRBK

MeridianC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 net interest margin rose to 3.69% from 3.54% a year earlier as deposit and borrowing costs declined. Sustained funding-cost relief and stabilization of problem loans could support upside.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-11-02.
What can break
Brokered deposits were 23% of the June 30 deposit base, leaving funding costs and deposit mix important to monitor. [#10-Q-2026-08-07]
Momentum
40
Value
63
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.00 · Bull $22.00 · Bear $14.50Analysis 2026-10-26; returns require an exact persisted reference.
Earnings
2026-11-02
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-28

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $23.00
Why
Momentum40 · Δ7d +3.0
Value63 · Δ7d -0.2
Sentiment52 · Δ7d -8.8
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-11-02.
  • • Value remains the lead driver in the composite, 7D delta -0.2.

Contradictions & invalidation

  • • Brokered deposits were 23% of the June 30 deposit base, leaving funding costs and deposit mix important to monitor. [#10-Q-2026-08-07]
  • • Non-performing loans increased to $82.1 million at June 30 from $55.1 million at December 31, 2025. #SEC-10Q-2026-08-07
  • • Non-performing loans rose $27.0 million from year-end 2025 to June 30, 2026, principally from land development and commercial mortgage downgrades.

Catalyst clock

2026-11-02

Unconfirmed Q3 earnings checkpoint

Lead driver: Value · See fundamentals
Momentum
40
8% active weight
Current posture
7d trendFlat
Δ7d
+3.0
Δ21d
-10.5
Value
63
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.1
Sentiment
52
45% active weight
Current posture
7d trendSoftening
Δ7d
-8.8
Δ21d
-13.4
Why this grade

Composite grade C. Momentum 39.7 / Value 63.1 / Sentiment 52.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
20%
Probability
Target price
$22.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$18.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
35%
Probability
Target price
$14.50
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$223.31M
Beta
0.79
Shares Out
11.93M
P/E (TTM)
9.9
P/S (TTM)
1.61
P/FCF (TTM)
8.99
Rev YoY
-3.4%
EPS YoY
-2.8%
Gross Margin
-
Op Margin
+13.7%
Net Debt
$167.56M
Current Ratio
0.10
As of 2026-10-28 • Updated nightlySource: Internal modelMethods & Data