MRBK Meridian Corporation - Common Stock
$19.97
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$14–$22
78% of range
Analyst Rating
BUY
8 analysts
Price Target
$24
+18% upside
P/E (TTM)
10.6
ROE
11.8%
Net Profit Margin
345.7%
About Meridian Corporation - Common Stock Company overview from Wikipedia
MRBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$19.97
Market Cap
$236M
P/E (TTM)
10.6
EPS (TTM)
$1.89
Revenue (TTM)
$6M
Div Yield
2.4%
ROE
11.8%
Debt/Equity
0.5
52W Range
$14 – $22
MRBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$6M
2023-12-31
→
2025-12-31
EPS
$1.89
2023-12-31
→
2025-12-31
Free Cash Flow
$23M
2023-12-31
→
2025-12-31
Margins
345.7%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
MRBK
Peer Median
P/E (TTM)
10.6
11.8
P/S (TTM)
37.4
1.8
P/B
1.2
1.0
Price / FCF
10.5
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
MRBK
Peer Median
Net Profit Margin
345.7%
33.0%
ROA
0.88%
0.99%
ROE
11.8%
11.2%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
MRBK
Peer Median
Debt / Equity
0.5
10.3
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
MRBK
Peer Median
Revenue YoY
10.1%
—
Revenue CAGR 3Y
10.1%
—
EPS YoY
30.3%
—
Net Income YoY
33.6%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
MRBK
Peer Median
Payout Ratio
26.0%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
2.4%
Payout Ratio
26.0%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 10, 2026 | $0.1400 |
| May 4, 2026 | $0.1400 |
| Feb. 9, 2026 | $0.1400 |
| Nov. 10, 2025 | $0.1250 |
| Aug. 11, 2025 | $0.1250 |
| May 12, 2025 | $0.1250 |
| Feb. 10, 2025 | $0.1250 |
| Nov. 12, 2024 | $0.1250 |
| Aug. 12, 2024 | $0.1250 |
| May 10, 2024 | $0.1250 |
| Feb. 9, 2024 | $0.1250 |
| Nov. 10, 2023 | $0.1250 |
| Aug. 11, 2023 | $0.1250 |
| May 12, 2023 | $0.1250 |
| Feb. 13, 2023 | $0.1250 |
| Nov. 10, 2022 | $0.1000 |
| Aug. 12, 2022 | $0.1000 |
| May 13, 2022 | $0.1000 |
| Feb. 11, 2022 | $0.6000 |
| Nov. 12, 2021 | $0.1000 |
MRBK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
8 analysts
- Strong Buy 2 25.0%
- Buy 5 62.5%
- Hold 1 12.5%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
2 analysts · 2026-08-16
Median
$23.50
← Below all targets
$19.97
Low
$23.00
High
$24.00
Median target
$23.50
+17.7%
Mean target
$23.50
+17.7%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.02%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.48 | $0.52 | -0.04% |
| March 31, 2026 | $0.39 | $0.49 | -0.10% |
| Dec. 31, 2025 | $0.61 | $0.55 | 0.06% |
| Sept. 30, 2025 | $0.58 | $0.51 | 0.07% |
| June 30, 2025 | $0.45 | $0.43 | 0.02% |
| March 31, 2025 | $0.20 | $0.33 | -0.13% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| MRBK | $208M | 9.3 | 10.1% | 345.7% | 11.8% | — |
| FBLA | $232M | 183.6 | -3.8% | 2.4% | 0.39% | — |
| PEBK | $198M | 10.0 | 10.0% | 22.0% | 13.2% | — |
| CMTV | — | 8.3 | 16.7% | 34.8% | 15.4% | — |
| EFSI | $214M | 25.0 | — | 11.8% | 4.5% | — |
| OPBK | $210M | 8.2 | -1.8% | 800.1% | 11.6% | — |
| CFBK | — | 9.3 | 17.6% | 28.8% | 9.7% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | $6M | $6M | $5M | $5M | |
| Interest Expense | · | · | $68M | $19M | |
| Interest Income | $166M | $156M | $137M | $89M | |
| Pretax Income | $28M | $22M | $17M | $28M | |
| Income Tax | $7M | $5M | $4M | $6M | |
| Net Income | $22M | $16M | $13M | $22M | |
| EPS (Basic) | $1.93 | $1.47 | $1.19 | $1.85 | |
| EPS (Diluted) | $1.89 | $1.45 | $1.16 | $1.79 | |
| Shares (Basic) | 11,326,000 | 11,113,000 | 11,115,000 | 11,792,000 | |
| Shares (Diluted) | 11,538,000 | 11,243,000 | 11,387,000 | 12,204,000 |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| PP&E (Net) | $12M | $12M | $14M | $13M | |
| Accum. Depreciation | $16M | $15M | $14M | $13M | |
| Goodwill | $899.0K | $899.0K | $899.0K | $899.0K | |
| Intangibles | $3M | $3M | $3M | $3M | |
| Total Assets | $2.56B | $2.39B | $2.25B | $2.06B | |
| Short-term Debt | $107M | $99M | $141M | $113M | |
| Total Liabilities | $2.36B | $2.21B | $2.09B | $1.91B | |
| Long-term Debt | · | · | · | $9M | |
| Total Debt | $107M | $99M | $141M | $113M | |
| Common Stock | · | · | $13M | $13M | |
| Paid-in Capital | $90M | $82M | $80M | $79M | |
| Retained Earnings | $128M | $112M | $101M | $96M | |
| Treasury Stock | $26M | $26M | $26M | $22M | |
| AOCI | $-5M | $-8M | $-9M | $-12M | |
| Stockholders' Equity | $200M | $172M | $158M | $153M | |
| Liabilities + Equity | $2.56B | $2.39B | $2.25B | $2.06B | |
| Shares Outstanding | 11,826,462 | 11,240,075 | 11,183,015 | 11,465,572 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Stock-based Comp | $1M | $976.0K | $1M | $1M | |
| Deferred Tax | $-373.0K | $-799.0K | $-234.0K | $1M | |
| Amort. of Intangibles | $204.0K | $204.0K | $204.0K | $204.0K | |
| Operating Cash Flow | $24M | $10M | $19M | $85M | |
| CapEx | $2M | $568.0K | $2M | $3M | |
| Investing Cash Flow | $-164M | $-165M | $-164M | $-393M | |
| Debt Issued | · | · | · | $9M | |
| Net Debt Issued | · | · | · | $9M | |
| Stock Issued | $8M | $0 | · | · | |
| Stock Repurchased | · | $0 | $4M | $13M | |
| Net Stock Activity | $8M | $0 | $-4M | $-13M | |
| Dividends Paid | $6M | $6M | $6M | $11M | |
| Financing Cash Flow | $148M | $126M | $164M | $323M | |
| Net Change in Cash | $8M | $-29M | $18M | $15M | |
| Free Cash Flow | $23M | $9M | $17M | $82M | |
| Levered FCF | · | · | $-36M | $67M |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Net Margin | 345.7% | 285.0% | 268.7% | 19.5% | |
| Pretax Margin | 449.7% | 379.9% | 344.3% | 25.0% | |
| ROA | 0.88% | 0.68% | 0.59% | 1.1% | |
| ROE | 11.8% | 9.9% | 8.5% | 13.7% |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Debt / Equity | 0.5 | 0.6 | 0.9 | 0.7 |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.1 |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue YoY | 10.1% | 16.4% | 4.1% | · | |
| Revenue CAGR 3Y | 10.1% | · | · | · | |
| EPS YoY | 30.3% | 25.0% | -35.2% | -37.6% | |
| EPS CAGR 3Y | 1.8% | -20.3% | -35.2% | · | |
| EPS CAGR 5Y | -15.0% | · | · | · | |
| Net Income YoY | 33.6% | 23.4% | -39.3% | -38.7% | |
| Net Income CAGR 3Y | 0.01% | -22.8% | -20.6% | · | |
| Net Income CAGR 5Y | -3.8% | · | · | · | |
| Dividend CAGR 5Y | 30.0% | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue TTM | $6M | $6M | $5M | $5M | |
| Net Income TTM | $22M | $16M | $13M | $22M | |
| Market Cap | $208M | $154M | $155M | $174M | |
| P/E | 9.3 | 9.5 | 12.0 | 8.5 | |
| P/S | 32.9 | 26.9 | 31.5 | 36.7 | |
| P/B | 1.0 | 0.9 | 1.0 | 1.1 | |
| P / Tangible Book | 1.1 | 0.9 | 1.0 | 1.2 | |
| P / Cash Flow | 8.6 | 16.1 | 8.2 | 2.1 | |
| P / FCF | 9.2 | 17.1 | 9.1 | 2.1 | |
| Dividend Yield | 2.7% | 3.6% | 3.6% | 6.3% | |
| Earnings Yield | 10.8% | 10.6% | 8.3% | 11.8% | |
| Payout Ratio | 26.0% | 34.3% | 42.4% | 50.1% | |
| Annual Payout | $6M | $6M | $6M | $11M |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2M | $2M | $2M | $2M | $1M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $21M | · | $18M | $17M | $13M | $9M | $5M | |
| Interest Income | $41M | $41M | $43M | $43M | $41M | $39M | $40M | $40M | $38M | $37M | $36M | $35M | $34M | $31M | $28M | $23M | |
| Pretax Income | $7M | $3M | $9M | $9M | $7M | $3M | $8M | $6M | $4M | $4M | $728.0K | $5M | $6M | $5M | $6M | $7M | |
| Income Tax | $2M | $582.0K | $2M | $2M | $2M | $746.0K | $2M | $2M | $1M | $877.0K | $156.0K | $1M | $1M | $1M | $1M | $2M | |
| Net Income | $6M | $2M | $7M | $7M | $6M | $2M | $6M | $5M | $3M | $3M | $572.0K | $4M | $5M | $4M | $5M | $6M | |
| EPS (Basic) | $0.49 | $0.17 | $0.63 | $0.59 | $0.50 | $0.21 | $0.50 | $0.43 | $0.30 | $0.24 | $0.05 | $0.36 | $0.42 | $0.36 | $0.41 | $0.49 | |
| EPS (Diluted) | $0.48 | $0.17 | $0.61 | $0.58 | $0.49 | $0.21 | $0.49 | $0.42 | $0.30 | $0.24 | $0.06 | $0.35 | $0.41 | $0.34 | $0.39 | $0.48 | |
| Shares (Basic) | 11,859,000 | 11,811,000 | -22,432,000 | 11,325,000 | 11,228,000 | 11,205,000 | -22,181,000 | 11,110,000 | 11,096,000 | 11,088,000 | -22,277,000 | 11,058,000 | 11,062,000 | 11,272,000 | -23,988,000 | 11,736,000 | |
| Shares (Diluted) | 12,174,000 | 12,153,000 | -22,840,000 | 11,540,000 | 11,392,000 | 11,446,000 | -22,342,000 | 11,234,000 | 11,150,000 | 11,201,000 | -22,936,000 | 11,363,000 | 11,304,000 | 11,656,000 | -24,836,000 | 12,118,000 |
Balance Sheet 17
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $13M | $13M | $13M | $14M | $13M | $13M | $13M | $13M | $13M | |
| Accum. Depreciation | · | · | $16M | · | · | · | $15M | · | · | · | $14M | · | · | · | $13M | · | |
| Goodwill | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | $899.0K | |
| Intangibles | $2M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Total Assets | $2.59B | $2.58B | $2.56B | $2.54B | $2.51B | $2.53B | $2.39B | $2.39B | $2.35B | $2.29B | $2.25B | $2.23B | $2.21B | $2.23B | $2.06B | $1.92B | |
| Short-term Debt | $108M | $110M | $107M | $127M | $113M | $105M | $99M | $101M | $143M | $112M | $141M | $150M | $182M | $222M | $113M | $23M | |
| Total Liabilities | $2.39B | $2.38B | $2.36B | $2.35B | $2.33B | $2.36B | $2.21B | $2.22B | $2.19B | $2.13B | $2.09B | $2.08B | $2.05B | $2.08B | $1.91B | $1.77B | |
| Long-term Debt | · | · | · | · | · | · | · | · | · | · | · | · | $12M | $12M | · | · | |
| Total Debt | $108M | $110M | · | $127M | $113M | $105M | · | $101M | $143M | $112M | · | $150M | $182M | $222M | · | $23M | |
| Common Stock | · | · | · | · | · | · | · | · | · | $13M | · | $13M | $13M | $13M | $13M | $7M | |
| Paid-in Capital | $91M | $91M | $90M | $85M | $82M | $82M | $82M | $81M | $81M | $80M | $80M | $80M | $80M | $79M | $79M | $85M | |
| Retained Earnings | $133M | $128M | $128M | $122M | $117M | $113M | $112M | $108M | $104M | $102M | $101M | $102M | $99M | $96M | $96M | $92M | |
| Treasury Stock | $26M | $26M | $26M | $26M | $26M | $26M | $26M | $26M | $26M | $26M | $26M | $26M | $26M | $25M | $22M | $18M | |
| AOCI | $-6M | $-6M | $-5M | $-6M | $-8M | $-8M | $-8M | $-7M | $-9M | $-9M | $-9M | $-12M | $-11M | $-10M | $-12M | $-13M | |
| Stockholders' Equity | $205M | $200M | $200M | $188M | $178M | $174M | $172M | $167M | $162M | $160M | $158M | $155M | $154M | $153M | $153M | $151M | |
| Liabilities + Equity | $2.59B | $2.58B | $2.56B | $2.54B | $2.51B | $2.53B | $2.39B | $2.39B | $2.35B | $2.29B | $2.25B | $2.23B | $2.21B | $2.23B | $2.06B | $1.92B | |
| Shares Outstanding | 11,923,798 | 11,879,178 | 11,826,462 | 11,517,456 | 11,296,778 | 11,285,278 | 11,240,075 | 11,229,075 | 11,190,875 | 11,185,515 | 11,183,015 | 11,177,751 | 11,177,751 | 11,177,001 | 11,465,572 | 6,566,356 |
Cash Flow 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $118.0K | $-32.0K | $913.0K | $102.0K | $56.0K | $118.0K | $657.0K | $66.0K | $111.0K | $142.0K | $658.0K | $-63.0K | $157.0K | $277.0K | $744.0K | $377.0K | |
| Deferred Tax | $-32.0K | $-207.0K | $604.0K | $-123.0K | $-208.0K | $-646.0K | $-865.0K | $31.0K | $286.0K | $-251.0K | $-404.0K | $270.0K | $-46.0K | $-54.0K | $1M | $-66.0K | |
| Operating Cash Flow | $-930.0K | $3M | $-6M | $24M | $-12M | $18M | $-704.0K | $31M | $-19M | $-2M | $8M | $23M | $-145.0K | $-11M | $21M | $28M | |
| CapEx | $469.0K | $227.0K | $394.0K | $448.0K | $631.0K | $259.0K | $346.0K | $-2M | $54.0K | $2M | $743.0K | $479.0K | $317.0K | $284.0K | $887.0K | $992.0K | |
| Investing Cash Flow | $-1M | $-24M | $-8M | $-55M | $-49M | $-52M | $-9M | $-43M | $-35M | $-79M | $-21M | $-27M | $-31M | $-84M | $-147M | $-96M | |
| Stock Issued | · | · | $5M | · | · | · | $0 | · | · | · | · | · | · | · | · | · | |
| Stock Repurchased | · | · | · | · | · | · | · | $0 | $0 | $0 | $0 | $-1.0K | $2M | $3M | $4M | $6M | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | $0 | · | · | · | $-3M | · | · | |
| Dividends Paid | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $10M | $14M | $10M | $21M | $-20M | $137M | $5M | $20M | $55M | $47M | $10M | $18M | $-30M | $166M | $133M | $63M | |
| Net Change in Cash | $8M | $-8M | $-4M | $-10M | $-81M | $104M | $-5M | $8M | $1M | $-34M | $-3M | $13M | $-62M | $70M | $7M | $-6M | |
| Free Cash Flow | · | $3M | · | · | · | $18M | · | · | · | $-4M | · | · | · | $-12M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-19M | · | · | · | $-22M | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 340.4% | 116.0% | · | 413.6% | 374.8% | 156.3% | · | 327.8% | 230.3% | 203.2% | · | 318.4% | 17.7% | 16.5% | · | 20.5% | |
| Pretax Margin | 438.4% | 149.7% | · | 538.7% | 488.4% | 204.9% | · | 431.6% | 304.2% | 269.8% | · | 414.1% | 22.5% | 21.1% | · | 26.4% | |
| ROA | 0.23% | 0.08% | · | 0.27% | 0.23% | 0.10% | · | 0.21% | 0.15% | 0.12% | · | 0.19% | 0.23% | 0.20% | · | 0.31% | |
| ROE | 3.0% | 1.1% | · | 3.8% | 3.3% | 1.4% | · | 2.9% | 2.1% | 1.7% | · | 2.6% | 3.0% | 2.6% | · | 3.8% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.5 | 0.6 | · | 0.7 | 0.6 | 0.6 | · | 0.6 | 0.9 | 0.7 | · | 1.0 | 1.2 | 1.4 | · | 0.2 |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $7M | $6M | · | $6M | $6M | $6M | · | $5M | $5M | $5M | · | $5M | · | · | · | · | |
| Net Income TTM | $20M | $17M | · | $19M | $16M | $13M | · | $15M | $15M | $15M | · | $18M | $20M | $21M | · | $27M | |
| Market Cap | $239M | $225M | · | $182M | $146M | $163M | · | $142M | $118M | $111M | · | $109M | $110M | $141M | · | $96M | |
| P/E | 11.6 | 13.1 | · | 9.3 | 9.1 | 12.3 | · | 9.6 | 8.1 | 7.4 | · | 6.2 | 5.7 | 7.2 | · | 5.0 | |
| P/S | 36.5 | 35.4 | · | 29.9 | 24.6 | 28.3 | · | 26.0 | 22.4 | 22.2 | · | 22.8 | · | · | · | · | |
| P/B | 1.2 | 1.1 | · | 1.0 | 0.8 | 0.9 | · | 0.8 | 0.7 | 0.7 | · | 0.7 | 0.7 | 0.9 | · | 0.6 | |
| P / Tangible Book | 1.2 | 1.1 | · | 1.0 | 0.8 | 1.0 | · | 0.9 | 0.7 | 0.7 | · | 0.7 | 0.7 | 0.9 | · | 0.7 | |
| P / Cash Flow | · | 78.7 | · | · | · | 9.0 | · | · | · | -65.0 | · | · | · | -12.4 | · | · | |
| P / FCF | · | 85.4 | · | · | · | 9.1 | · | · | · | -30.7 | · | · | · | -12.1 | · | · | |
| Earnings Yield | 8.6% | 7.6% | · | 10.8% | 11.0% | 8.1% | · | 10.4% | 12.4% | 13.5% | · | 16.1% | 17.4% | 13.8% | · | 20.0% | |
| Payout Ratio | · | 82.7% | · | · | · | 58.7% | · | · | · | 52.3% | · | · | · | 35.5% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Revenue | $6M | — | — | $6M | — |
| Net Income | $22M | — | — | $16M | — |
| Diluted EPS | $1.89 | — | — | $1.45 | — |
Balance Sheet
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Debt / Equity | 0.5 | — | — | 0.6 | — |
Cash Flow
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Free Cash Flow | $23M | — | — | $9M | — |
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Institutional owners (13F) 104 filers · $118.2M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 23 (+8 vs prior Q) | 8 (+1 vs prior Q) | 39 (+11 vs prior Q) | 18 (-14 vs prior Q) | -140K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| STRATEGIC VALUE BANK PARTNERS LLC | $13,045,499 | 651,298 | 11.03% | Shares |
| Fourthstone LLC | $10,783,952 | 538,390 | 9.12% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,394,631 | 469,028 | 7.94% | Shares |
| FIRST MANHATTAN CO. LLC. | $8,767,051 | 437,696 | 7.41% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $8,698,648 | 434,281 | 7.36% | Shares |
| BANC FUNDS CO LLC | $7,662,136 | 382,533 | 6.48% | Shares |
| AMERICAN CENTURY COMPANIES INC | $5,174,530 | 258,339 | 4.38% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $4,912,735 | 245,199 | 4.15% | Shares |
| Qube Research & Technologies Ltd | $4,353,581 | 217,353 | 3.68% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,826,912 | 191,059 | 3.24% | Shares |
| STATE STREET CORP | $3,726,521 | 186,047 | 3.15% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,537,418 | 176,606 | 2.99% | Shares |
| Wick Capital Partners, LLC | $2,894,655 | 144,516 | 2.45% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $2,593,304 | 129,471 | 2.19% | Shares |
| Trexquant Investment LP | $1,986,896 | 99,196 | 1.68% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $1,735,419 | 86,641 | 1.47% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,706,476 | 85,196 | 1.44% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $1,588,079 | 79,285 | 1.34% | Shares |
| Meridian Wealth Partners, LLC | $1,339,005 | 66,850 | 1.13% | Shares |
| Squarepoint Ops LLC | $1,287,068 | 64,257 | 1.09% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,272,846 | 63,547 | 1.08% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1,225,896 | 61,203 | 1.04% | Shares |
| Key Financial Inc | $1,189,101 | 59,366 | 1.01% | Shares |
| SummerHaven Investment Management, LLC | $1,090,053 | 54,421 | 0.92% | Shares |
| GOLDMAN SACHS GROUP INC | $1,046,147 | 52,229 | 0.88% | Shares |
| BlackRock, Inc. | $908,661 | 45,365 | 0.77% | Shares |
| MILLENNIUM MANAGEMENT LLC | $809,773 | 40,428 | 0.68% | Shares |
| BARCLAYS PLC | $725,428 | 36,217 | 0.61% | Shares |
| XTX Topco Ltd | $683,123 | 34,105 | 0.58% | Shares |
| Quadrature Capital Ltd | $652,337 | 32,568 | 0.55% | Shares |
| AMERIPRISE FINANCIAL INC | $609,333 | 30,421 | 0.52% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $552,828 | 27,600 | 0.47% | Shares |
| HSBC HOLDINGS PLC | $514,741 | 25,609 | 0.44% | Shares |
| CITADEL ADVISORS LLC | $511,566 | 25,540 | 0.43% | Shares |
| Traynor Capital Management, Inc. | $500,750 | 25,000 | 0.42% | Shares |
| Man Group plc | $465,637 | 23,247 | 0.39% | Shares |
| Jump Financial, LLC | $446,289 | 22,281 | 0.38% | Shares |
| Point72 Asset Management, L.P. | $339,529 | 16,951 | 0.29% | Shares |
| ALGERT GLOBAL LLC | $308,722 | 15,413 | 0.26% | Shares |
| MENDON CAPITAL ADVISORS CORP | $300,450 | 15,000 | 0.25% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $293,840 | 14,670 | 0.25% | Shares |
| Borer Denton & Associates, Inc. | $272,989 | 13,629 | 0.23% | Shares |
| BANK OF AMERICA CORP /DE/ | $262,193 | 13,090 | 0.22% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $259,469 | 12,954 | 0.22% | Shares |
| Bank of New York Mellon Corp | $256,484 | 12,805 | 0.22% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $254,982 | 12,730 | 0.22% | Shares |
| TWO SIGMA ADVISERS, LP | $247,878 | 14,100 | 0.21% | Shares |
| RHUMBLINE ADVISERS | $240,272 | 11,996 | 0.20% | Shares |
| MARSHALL WACE, LLP | $239,660 | 11,965 | 0.20% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $236,595 | 11,812 | 0.20% | Shares |
| Brevan Howard Capital Management LP | $235,733 | 11,769 | 0.20% | Shares |
| Schonfeld Strategic Advisors LLC | $220,548 | 11,011 | 0.19% | Shares |
| GREAT VALLEY ADVISOR GROUP, INC. | $201,091 | 10,039 | 0.17% | Shares |
| Strid Group, LLC | $200,300 | 10,000 | 0.17% | Shares |
| DEUTSCHE BANK AG\ | $190,225 | 9,497 | 0.16% | Shares |
| PNC Financial Services Group, Inc. | $162,163 | 8,096 | 0.14% | Shares |
| MetLife Investment Management, LLC | $111,767 | 5,580 | 0.09% | Shares |
| Nuveen, LLC | $102,614 | 5,123 | 0.09% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $91,237 | 4,555 | 0.08% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $89,774 | 4,482 | 0.08% | Shares |
| Vanguard Global Advisers, LLC | $86,470 | 4,317 | 0.07% | Shares |
| CITIGROUP INC | $78,377 | 3,913 | 0.07% | Shares |
| VANGUARD GROUP INC | $74,645 | 4,246 | 0.06% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $72,108 | 3,600 | 0.06% | Shares |
| Invesco Ltd. | $68,863 | 3,438 | 0.06% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $66,620 | 3,326 | 0.06% | Shares |
| STRS OHIO | $64,096 | 3,200 | 0.05% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $51,618 | 2,577 | 0.04% | Shares |
| UBS Group AG | $50,075 | 2,500 | 0.04% | Shares |
| Police & Firemen's Retirement System of New Jersey | $42,343 | 2,114 | 0.04% | Shares |
| CWM, LLC | $37,029 | 1,953 | 0.03% | Shares |
| NORTHERN TRUST CORP | $30,746 | 1,535 | 0.03% | Shares |
| Legal & General Group Plc | $21,312 | 1,064 | 0.02% | Shares |
| Russell Investments Group, Ltd. | $19,782 | 988 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $18,548 | 926 | 0.02% | Shares |
| Tower Research Capital LLC (TRC) | $15,663 | 782 | 0.01% | Shares |
| FMR LLC | $13,040 | 651 | 0.01% | Shares |
| Arax Advisory Partners | $9,654 | 482 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $9,480 | 500 | 0.01% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $9,274 | 463 | 0.01% | Shares |
| JPMORGAN CHASE & CO | $8,116 | 405 | 0.01% | Shares |
| ASSETMARK, INC | $7,912 | 395 | 0.01% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $6,274 | 313,468 | 0.01% | Shares |
| WELLS FARGO & COMPANY/MN | $6,149 | 307 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $6,000 | 309 | 0.01% | Shares |
| GAMMA Investing LLC | $5,949 | 297 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $5,867 | 293 | 0.00% | Shares |
| MORGAN STANLEY | $4,507 | 225 | 0.00% | Shares |
| Sterling Capital Management LLC | $3,926 | 196 | 0.00% | Shares |
| Allworth Financial LP | $3,626 | 181 | 0.00% | Shares |
| IFP Advisors, Inc | $2,804 | 140 | 0.00% | Shares |
| FEDERATED HERMES, INC. | $2,323 | 116 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $2,103 | 105 | 0.00% | Shares |
| LSV ASSET MANAGEMENT | $1,347 | 67,256 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $1,262 | 63 | 0.00% | Shares |
| HRT FINANCIAL LP | $681 | 34,042 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $300 | 15 | 0.00% | Shares |
| True Wealth Design, LLC | $241 | 12 | 0.00% | Shares |
| Essential Partners LLC | $240 | 12 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $201 | 10 | 0.00% | Shares |
Company insiders 12 insiders · 5 officers · 9 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Christopher J. Annas | Chairman & CEO | June 8, 2026 F | 393,865 | 0 | 0 | $0 |
| Denise Lindsay | EVP, Chief Financial Officer | Feb. 3, 2022 M | 32,615 | 0 | 0 | $0 |
| Charles D. Kochka | EVP, Chief Lending Officer | Feb. 7, 2022 M | 9,725 | 0 | 0 | $0 |
| Joseph L. Cafarchio | EVP, Chief Credit Officer | May 21, 2021 A | 6,625 | 0 | 0 | $0 |
| Randall J Mcgarry | EVP, Chief Information Officer | May 21, 2021 A | 1,000 | 0 | 0 | $0 |
| Kenneth Thomas Warriner | Director | June 12, 2026 A | 3,050 | 1 | 0 | $18,000 |
| Robert T. Holland | Director | March 11, 2022 P | 30,376 | 0 | 0 | $0 |
| Edward J. Hollin | Director | Feb. 3, 2022 M | 23,813 | 0 | 0 | $0 |
| Anthony Mark Imbesi | Director | Feb. 3, 2022 P | 186,317 | 0 | 0 | $0 |
| Kenneth H. Slack | Director | Dec. 29, 2021 M | 33,169 | 0 | 0 | $0 |
| Robert M. Casciato | Director | Nov. 4, 2021 A | 91,954 | 0 | 0 | $0 |
| George C. Collier III | Director | Nov. 4, 2021 A | 25,768 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 30 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| GSSC · Goldman Sachs ETF Trust | 0.03% | 14,012 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.01% | 204,318 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.01% | 18,863 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 41,554 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 4,019 NS | April 30, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 38,891 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 36,966 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 436 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 341 NS | May 31, 2026 | N-PORT |
| AVSU · AMERICAN CENTURY ETF TRUST | 0.00% | 491 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 343 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,098 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 9 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 17,998 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,181 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,379 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,591 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 19 NS | May 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 1,022 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | July 13, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | July 13, 2026 | Daily |