Demonstrações financeiras detalhadas de Meridian Corporation (MRBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Meridian Corporation registou receitas de $205.5M no último exercício, com um CAGR de 5 anos de 6.6%. O lucro líquido atingiu $21.8M, com CAGR de 5 anos de -3.8%.
Margens dos últimos 12 meses: margem bruta 59.1%, margem operacional 15.4%, margem líquida 11.9%.
Ao preço atual de $19.40, MRBK negocia a um P/L de 9.12 e um ROE de 12.25%. A capitalização de mercado é de $231M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $67.1M | $68.4M | $73.8M | $85.8M | $149.6M | $159.5M | $130.4M | $168.6M | $197.4M | $205.5M |
| Custo da Receita | $6.4M | $8.9M | $13.0M | $17.4M | $22.0M | $9.5M | $21.1M | $74.5M | $96.4M | $93.8M |
| Lucro Bruto | $60.7M | $59.5M | $60.8M | $68.3M | $127.6M | $150.0M | $109.4M | $94.1M | $100.9M | $111.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $43.2M | $42.3M | $38.0M | $37.6M | $75.0M | $82.6M | $60.0M | $51.1M | $8.1M | $55.2M |
| Despesas Operacionais | $53.2M | $53.7M | $50.3M | $54.8M | $93.1M | $103.7M | $81.4M | $77.1M | $79.1M | $83.3M |
| Lucro Operacional | $7.5M | $5.8M | $10.5M | $13.5M | $34.5M | $46.3M | $27.9M | $17.0M | $21.8M | $28.4M |
| EBITDA | $9.3M | $6.7M | $11.9M | $14.4M | $32.5M | $41.5M | $29.0M | $19.4M | $24.1M | $28.4M |
| Despesas com Juros | $5.2M | $6.8M | $11.4M | $16.5M | $13.7M | $8.4M | $18.6M | $67.6M | $85.0M | $78.6M |
| Lucro Antes de Impostos | $7.5M | $5.8M | $10.5M | $13.5M | $34.5M | $46.3M | $27.9M | $17.0M | $21.8M | $28.4M |
| Imposto | $2.6M | $2.8M | $2.3M | $3.0M | $8.1M | $10.7M | $6.1M | $3.7M | $5.4M | $6.6M |
| Lucro Líquido | $4.9M | $3.0M | $8.2M | $10.5M | $26.4M | $35.6M | $21.8M | $13.2M | $16.3M | $21.8M |
| LPA | $0.80 | $0.25 | $0.64 | $0.82 | $2.15 | $2.96 | $1.85 | $1.19 | $1.47 | $1.93 |
| LPA Diluído | $0.80 | $0.25 | $0.64 | $0.82 | $2.14 | $2.87 | $1.79 | $1.16 | $1.45 | $1.89 |
| Ações em Circulação (Diluídas) | $4.7M | $7.5M | $12.9M | $12.9M | $12.4M | $12.4M | $12.2M | $11.4M | $11.2M | $11.5M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $18.5M | $24.9M | $23.2M | $19.1M | $34.2M | $23.5M | $38.4M | $56.7M | $27.5M | $35.8M |
| Investimentos de Curto Prazo | $33.2M | $40.0M | $52.4M | $58.9M | $123.6M | $159.3M | $135.3M | $146.0M | $78.2M | $97.1M |
| Contas a Receber | $3.6M | $3.3M | $4.2M | $3.8M | $36.5M | $93.3M | $144.8M | $127.3M | $83.5M | $10.7M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $55.1M | $68.2M | $79.8M | $81.8M | $194.3M | $276.0M | $318.5M | $330.0M | $189.1M | $143.6M |
| Imobilizado | $8.7M | $9.7M | $9.6M | $8.6M | $7.8M | $11.8M | $13.3M | $13.6M | $12.2M | $12.4M |
| Ágio | 0 | $899000 | $899000 | $899000 | $899000 | $899000 | $899000 | $899000 | $899000 | $899000 |
| Ativos Intangíveis | 0 | $4.6M | $4.1M | $3.9M | $3.6M | $3.4M | $3.2M | $3.0M | $2.8M | $2.6M |
| Ativos Totais | $733.7M | $856.0M | $997.5M | $1.15B | $1.72B | $1.71B | $2.06B | $2.25B | $2.39B | $2.56B |
| Contas a Pagar | $194000 | $216000 | $305000 | $1.1M | $1.2M | $31000 | $2.4M | $10.3M | $6.9M | $6.5M |
| Dívida de Curto Prazo | $118.4M | $106.5M | $119.3M | $126.8M | $216.0M | $41.3M | $122.1M | $141.9M | $124.5M | $117.3M |
| Passivos Circulantes | $645.7M | $733.9M | $871.7M | $979.1M | $1.46B | $1.49B | $1.84B | $1.98B | $2.14B | $2.28B |
| Dívida de Longo Prazo | $13.4M | $15.4M | $10.5M | $41.0M | $40.7M | $40.5M | $40.3M | $49.8M | $49.7M | $49.9M |
| Passivos Totais | $663.7M | $754.7M | $887.9M | $1.03B | $1.58B | $1.55B | $1.91B | $2.09B | $2.21B | $2.36B |
| Reservas | $13.9M | $15.8M | $23.6M | $34.1M | $59.0M | $84.9M | $95.8M | $101.2M | $112.0M | $128.1M |
| Patrimônio Líquido | $70.0M | $101.4M | $109.6M | $120.7M | $141.6M | $165.4M | $153.3M | $158.0M | $171.5M | $199.7M |
| Dívida Total | $131.7M | $121.9M | $129.8M | $167.8M | $256.7M | $81.9M | $162.4M | $191.7M | $174.2M | $167.2M |
| Dívida Líquida | $80.1M | $57.0M | $54.2M | $89.8M | $98.9M | -$100.9M | -$11.3M | -$11.0M | $68.5M | $34.3M |
| Capital de Giro | -$590.6M | -$665.7M | -$791.9M | -$897.2M | -$1.26B | -$1.21B | -$1.52B | -$1.65B | -$1.95B | -$2.14B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $4.9M | $3.0M | $8.2M | $10.5M | $26.4M | $35.6M | $21.8M | $13.2M | $16.3M | $21.8M |
| Depreciação e Amortização | $1.8M | $963000 | $1.4M | $867000 | -$2.1M | -$4.8M | $1.1M | $2.5M | $2.3M | -$821000 |
| Compensação em Ações | $175000 | $203000 | $293000 | $272000 | $763000 | $1.6M | $1.5M | $1.2M | $976000 | $1.2M |
| Variação Capital de Giro | $639000 | -$488000 | -$952000 | $3.2M | $17.8M | -$5.9M | -$2.4M | $2.7M | -$9.4M | -$4.8M |
| Fluxo de Caixa Operacional | $52.1M | $10.5M | $11.0M | $21.6M | -$158.5M | $165.1M | $84.7M | $18.9M | $9.6M | $24.3M |
| CapEx | -$3.5M | -$2.4M | -$1.6M | -$746000 | -$747000 | -$5.4M | -$2.9M | -$1.8M | -$568000 | -$1.7M |
| Aquisições | 0 | -$3.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | -$3000 | -$5.7M | -$3.0M | -$13.0M | -$4.3M | 0 | 0 |
| Dividendos Pagos | -$1.2M | -$1.2M | 0 | 0 | -$1.5M | -$9.7M | -$10.9M | -$5.6M | -$5.6M | -$5.7M |
| Fluxo de Caixa Livre | $48.6M | $8.1M | $9.4M | $20.8M | -$159.2M | $159.7M | $81.8M | $17.0M | $9.0M | $22.6M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +1.9% | +7.9% | +16.2% | +74.4% | +6.6% | -18.2% | +29.2% | +17.1% | +4.1% | |
| Crescimento Lucro Líquido (anual) | -38.4% | +169.2% | +28.4% | +152.2% | +34.6% | -38.7% | -39.3% | +23.4% | +33.6% | |
| Crescimento LPA (anual) | -68.8% | +156.0% | +28.1% | +162.2% | +37.7% | -37.5% | -35.7% | +23.5% | +31.3% | |
| Variação de Ações (anual) | +60.2% | +70.5% | +0.2% | -3.9% | +0.3% | -1.7% | -6.7% | -1.3% | +2.6% | |
| Crescimento FCF (anual) | -83.4% | +16.4% | +121.7% | -864.6% | +200.3% | -48.8% | -79.2% | -47.0% | +149.9% | |
| Margem Bruta | 90.5% | 86.9% | 82.4% | 79.7% | 85.3% | 94.1% | 83.8% | 55.8% | 51.1% | 54.4% |
| Margem Operacional | 11.2% | 8.5% | 14.2% | 15.8% | 23.1% | 29.0% | 21.4% | 10.1% | 11.0% | 13.8% |
| Margem EBITDA | 13.9% | 9.9% | 16.1% | 16.8% | 21.7% | 26.0% | 22.2% | 11.5% | 12.2% | 13.8% |
| Margem Líquida | 7.3% | 4.4% | 11.1% | 12.2% | 17.7% | 22.3% | 16.7% | 7.9% | 8.3% | 10.6% |
| Margem FCF | 72.4% | 11.8% | 12.7% | 24.3% | -106.4% | 100.1% | 62.7% | 10.1% | 4.6% | 11.0% |
| Taxa Efetiva de Imposto | 34.6% | 47.6% | 22.2% | 22.4% | 23.4% | 23.1% | 21.8% | 21.9% | 25.0% | 23.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $10.32 | $1.07 | $0.73 | $1.62 | $-12.87 | $12.87 | $6.70 | $1.50 | $0.80 | $1.96 |
| Dividendo por Ação | $0.25 | $0.15 | $0.00 | $0.00 | $0.12 | $0.78 | $0.90 | $0.49 | $0.50 | $0.49 |
| Ações em Circulação (Básicas) | $4.7M | $7.5M | $12.8M | $12.8M | $12.3M | $12.0M | $11.8M | $11.1M | $11.1M | $11.3M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 12.25% |
| Retorno sobre capital investido | 0.94% |
| Retorno sobre ativos | 0.94% |
| Margem bruta | 59.11% |
| Margem operacional | 15.39% |
| Margem líquida | 11.89% |
Saúde financeira
| Dívida / Patrimônio | 0.77 |
| Liquidez corrente | 0.20 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 11.41 | 39.96 | 13.42 | 12.32 | 4.84 | 6.21 | 8.19 | 11.68 | 9.33 | 9.11 |
| P/VP | 0.61 | 0.74 | 1.00 | 1.07 | 0.90 | 1.34 | 1.17 | 0.98 | 0.89 | 1.00 |
| P/V | 0.64 | 1.09 | 1.49 | 1.51 | 0.86 | 1.39 | 1.37 | 0.92 | 0.77 | 0.97 |
| Margem Bruta | 90.5% | 86.9% | 82.4% | 79.7% | 85.3% | 94.1% | 83.8% | 55.8% | 51.1% | 54.4% |
| Margem Operacional | 11.2% | 8.5% | 14.2% | 15.8% | 23.1% | 29.0% | 21.4% | 10.1% | 11.0% | 13.8% |
| Margem Líquida | 7.3% | 4.4% | 11.1% | 12.2% | 17.7% | 22.3% | 16.7% | 7.9% | 8.3% | 10.6% |
Empresas relacionadas: BVFL · CFBK · CZWI · FCAP · INBK · LARK · MNSB
Explorar setor: Financial Services · Banks - Regional
Mais seções de MRBK: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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