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Meridian Corp (MRBK)

Meridian Corp (MRBK)

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Cash Flow Overview

Free Cash flow
-$1,399K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of loans
    • Net increase in deposits
    • Proceeds from sale of loans held...
    • Others
Negative Cash Flow Breakdown
    • Loans originated for sale
    • Purchases
    • Decrease in short-term borrowing...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
5,807
2,006
7,186
6,659
(gain) loss on sale of investment securities available-for-sale
-
-
453
48
Net amortization of investment premiums and discounts and change in fair value of equity securities
-130
-91
-108
-539
Depreciation and amortization (accretion), net
195
25
-205
-64
Provision for credit losses
2,968
7,493
3,287
2,850
Amortization of issuance costs on subordinated debt
31
32
30
31
Stock based compensation
118
-32
913
102
Net change in fair value of derivative instruments
-104
-51
197
129
Net change in fair value of loans held for sale
187
-380
112
-75
Net change in fair value of loans held for investment
65
-39
86
213
Amortization and net impairment of servicing rights
53
79
-979
-187
Net loss (gain) on sale of msrs
0
-159
-12
0
Gain on sale of oreo
0
-
0
0
Sba loan income
615
150
1,285
1,431
Proceeds from sale of loans
251,741
167,141
215,719
213,607
Loans originated for sale
261,397
168,191
215,638
191,707
Mortgage banking income
6,095
4,528
5,714
5,914
Decrease (increase) in accrued interest receivable
-335
291
-220
610
Lease early termination
-
-
0
-
Decrease in other assets
-5,943
47
11,585
129
Earnings from investment in bank owned life insurance
245
272
248
246
Increase in deferred income tax
-32
-207
604
-123
(decrease) increase in accrued interest payable
-1,033
89
-564
36
Increase (decrease) in other liabilities
1,314
-1,004
2,809
1,306
Net cash provided by operating activities
-930
2,863
-6,178
24,404
Maturities Prepayments And Calls Of Available For Sale
8,418
5,153
6,796
5,391
Sales
-
-
11,903
2,462
Purchases
12,837
8,270
16,713
12,781
Sale And Maturity Of Held To Maturity
0
0
2,000
1
Held To Maturity Securities
-
-
2,000
-
Proceeds from sale of oreo
0
-
0
0
Proceeds from sale of msrs
0
-
880
0
Proceeds from sale of loans held for investment
11,910
6,698
122,721
-
Net redemptions (purchases) of restricted investments in bank stocks
-215
-112
-539
-812
Net increase in loans
8,554
27,919
133,810
50,733
Purchases of premises and equipment
469
227
394
448
Net purchase of bank owned life insurance
-
-
19
-
Disposal of premise and equipment
-
-
17
23
Net cash used in investing activities
-1,317
-24,453
-8,080
-55,273
Net increase in deposits
24,478
11,832
27,012
20,742
Decrease in short-term borrowings with maturities 90 days
-9,806
-
-
-
Increase in short-term borrowings with maturities less than 90 days
-3,000
3,500
-19,927
13,545
Increase in long-term debt
-
0
0
-15,245
Repayment of subordinated debt
1
210
0
0
Dividends paid
1,665
1,658
1,438
1,415
Stock based awards and exercises
179
617
96
267
Shares purchased for esop plan
-
-
425
-
Proceeds from issuance of common stock
-
-
4,729
2,790
Net cash provided by financing activities
10,185
14,081
10,047
20,684
Net change in cash and cash equivalents
7,938
-7,509
-4,211
-10,185
Cash and cash equivalents at beginning of period
28,269
35,778
39,989
27,462
Cash and cash equivalents at end of period
36,207
28,269
35,778
39,989
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase indeposits$24,478K (-76.69%↓ Y/Y)Stock based awards andexercises$179K (-65.71%↓ Y/Y)Net cash provided byfinancing activities$10,185K (-91.31%↓ Y/Y)Canceled cashflow$14,472K Net change in cashand cash...$7,938K (-65.05%↓ Y/Y)Canceled cashflow$2,247K Decrease in short-termborrowings with maturities ...-$9,806K Increase in short-termborrowings with maturities...-$3,000K (-120.70%↓ Y/Y)Dividends paid$1,665K (-40.96%↓ Y/Y)Repayment of subordinateddebt$1K (-92.31%↓ Y/Y)Proceeds from sale ofloans held for...$11,910K Maturities Prepayments AndCalls Of Available For...$8,418K (23.21%↑ Y/Y)Net redemptions(purchases) of restricted...-$215K (-115.26%↓ Y/Y)Proceeds from sale ofloans$251,741K (-32.19%↓ Y/Y)Decrease in other assets-$5,943K (-23.07%↓ Y/Y)Net income$5,807K (-27.33%↓ Y/Y)Provision for creditlosses$2,968K (-67.08%↓ Y/Y)Increase (decrease) inother liabilities$1,314K (235.05%↑ Y/Y)Decrease (increase) inaccrued interest...-$335K (-189.10%↓ Y/Y)Depreciation andamortization (accretion),...$195K (947.83%↑ Y/Y)Net amortization ofinvestment premiums and...-$130K (88.08%↑ Y/Y)Stock basedcompensation$118K (-32.18%↓ Y/Y)Net change in fairvalue of derivative...-$104K (-321.28%↓ Y/Y)Amortization and netimpairment of servicing...$53K (-91.68%↓ Y/Y)Amortization of issuancecosts on subordinated...$31K (-50.00%↓ Y/Y)Net cash used ininvesting activities-$1,317K (98.69%↑ Y/Y)Net cash provided byoperating activities-$930K (-115.32%↓ Y/Y)Canceled cashflow$20,543K Canceled cashflow$268,739K Purchases$12,837K (-37.21%↓ Y/Y)Loans originated forsale$261,397K (-30.01%↓ Y/Y)Net increase inloans$8,554K (-90.07%↓ Y/Y)Purchases of premises andequipment$469K (-47.30%↓ Y/Y)Mortgage banking income$6,095K (-33.42%↓ Y/Y)(decrease) increase inaccrued interest...-$1,033K (-619.10%↓ Y/Y)Sba loan income$615K (-77.52%↓ Y/Y)Earnings from investmentin bank owned life...$245K (-46.97%↓ Y/Y)Net change in fairvalue of loans held for...$187K (-31.50%↓ Y/Y)Net change in fairvalue of loans held for...$65K (-81.94%↓ Y/Y)Increase in deferredincome tax-$32K (96.25%↑ Y/Y)