Banks - Regional
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Side-by-side financial analysisStock Comparison
MRBK vs ICE
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Data & Stock Exchanges
MRBK vs ICE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Banks - Regional | Financial - Data & Stock Exchanges |
| Market Cap | $237M | $79.60B |
| Revenue (TTM) | $205M | $12.64B |
| Net Income (TTM) | $22M | $3.30B |
| Gross Margin | 54.4% | 61.9% |
| Operating Margin | 13.8% | 38.7% |
| Forward P/E | 9.7x | 17.3x |
| Total Debt | $178M | $20.28B |
| Cash & Equiv. | $10M | $837M |
MRBK vs ICE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Meridian Corporation (MRBK) | 100 | 251.7 | +151.7% |
| Intercontinental Ex… (ICE) | 100 | 153.4 | +53.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MRBK vs ICE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
MRBK is the clearest fit if your priority is value and dividends.
- Lower P/E (9.7x vs 17.3x)
- 2.5% yield, vs ICE's 1.4%
- +57.5% vs ICE's -20.4%
ICE carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 13 yrs, beta 0.35, yield 1.4%
- Rev growth 7.5%, EPS growth 20.7%
- 195.3% 10Y total return vs MRBK's 158.0%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 7.5% NII/revenue growth vs MRBK's 4.1% | |
| Value | Lower P/E (9.7x vs 17.3x) | |
| Quality / Margins | Efficiency ratio 0.2% vs MRBK's 0.4% (lower = leaner) | |
| Stability / Safety | Beta 0.35 vs MRBK's 0.65, lower leverage | |
| Dividends | 2.5% yield, vs ICE's 1.4% | |
| Momentum (1Y) | +57.5% vs ICE's -20.4% | |
| Efficiency (ROA) | Efficiency ratio 0.2% vs MRBK's 0.4% |
MRBK vs ICE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
MRBK vs ICE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
ICE leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ICE is the larger business by revenue, generating $12.6B annually — 61.5x MRBK's $205M. ICE is the more profitable business, keeping 26.1% of every revenue dollar as net income compared to MRBK's 10.6%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $205M | $12.6B |
| EBITDAEarnings before interest/tax | $29M | $6.5B |
| Net IncomeAfter-tax profit | $22M | $3.3B |
| Free Cash FlowCash after capex | $5M | $4.3B |
| Gross MarginGross profit ÷ Revenue | +54.4% | +61.9% |
| Operating MarginEBIT ÷ Revenue | +13.8% | +38.7% |
| Net MarginNet income ÷ Revenue | +10.6% | +26.1% |
| FCF MarginFCF ÷ Revenue | +2.6% | +33.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +24.5% | +23.1% |
Valuation Metrics
MRBK leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 10.6x trailing earnings, MRBK trades at a 57% valuation discount to ICE's 24.4x P/E. On an enterprise value basis, MRBK's 14.2x EV/EBITDA is more attractive than ICE's 15.3x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $237M | $79.6B |
| Enterprise ValueMkt cap + debt − cash | $405M | $99.0B |
| Trailing P/EPrice ÷ TTM EPS | 10.56x | 24.36x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.74x | 17.34x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.74x |
| EV / EBITDAEnterprise value multiple | 14.19x | 15.34x |
| Price / SalesMarket cap ÷ Revenue | 1.15x | 6.30x |
| Price / BookPrice ÷ Book value/share | 1.15x | 2.77x |
| Price / FCFMarket cap ÷ FCF | 10.51x | 18.56x |
Profitability & Efficiency
ICE leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
MRBK delivers a 11.8% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $12 for ICE. ICE carries lower financial leverage with a 0.70x debt-to-equity ratio, signaling a more conservative balance sheet compared to MRBK's 0.89x. On the Piotroski fundamental quality scale (0–9), ICE scores 9/9 vs MRBK's 7/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +11.8% | +11.6% |
| ROA (TTM)Return on assets | +0.9% | +2.3% |
| ROICReturn on invested capital | +5.9% | +7.5% |
| ROCEReturn on capital employed | +2.1% | +9.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.89x | 0.70x |
| Net DebtTotal debt minus cash | $168M | $19.4B |
| Cash & Equiv.Liquid assets | $10M | $837M |
| Total DebtShort + long-term debt | $178M | $20.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.36x | 6.53x |
Total Returns (Dividends Reinvested)
MRBK leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MRBK five years ago would be worth $17,068 today (with dividends reinvested), compared to $13,085 for ICE. Over the past 12 months, MRBK leads with a +57.5% total return vs ICE's -20.4%. The 3-year compound annual growth rate (CAGR) favors MRBK at 30.1% vs ICE's 10.4% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +18.2% | -11.8% |
| 1-Year ReturnPast 12 months | +57.5% | -20.4% |
| 3-Year ReturnCumulative with dividends | +120.0% | +34.6% |
| 5-Year ReturnCumulative with dividends | +70.7% | +30.9% |
| 10-Year ReturnCumulative with dividends | +158.0% | +195.3% |
| CAGR (3Y)Annualised 3-year return | +30.1% | +10.4% |
Risk & Volatility
Evenly matched — MRBK and ICE each lead in 1 of 2 comparable metrics.
Risk & Volatility
ICE is the less volatile stock with a 0.35 beta — it tends to amplify market swings less than MRBK's 0.65 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MRBK currently trades 92.1% from its 52-week high vs ICE's 74.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.65x | 0.35x |
| 52-Week HighHighest price in past year | $21.67 | $189.35 |
| 52-Week LowLowest price in past year | $11.16 | $136.67 |
| % of 52W HighCurrent price vs 52-week peak | +92.1% | +74.2% |
| RSI (14)Momentum oscillator 0–100 | 70.2 | 31.9 |
| Avg Volume (50D)Average daily shares traded | 117K | 3.2M |
Analyst Outlook
Evenly matched — MRBK and ICE each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates MRBK as "Buy" and ICE as "Buy". Consensus price targets imply 38.0% upside for ICE (target: $194) vs 5.2% for MRBK (target: $21). For income investors, MRBK offers the higher dividend yield at 2.46% vs ICE's 1.38%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $21.00 | $194.00 |
| # AnalystsCovering analysts | 4 | 36 |
| Dividend YieldAnnual dividend ÷ price | +2.5% | +1.4% |
| Dividend StreakConsecutive years of raises | 0 | 13 |
| Dividend / ShareAnnual DPS | $0.49 | $1.93 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +1.7% |
ICE leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). MRBK leads in 2 (Valuation Metrics, Total Returns). 2 tied.
MRBK vs ICE: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MRBK or ICE a better buy right now?
For growth investors, Intercontinental Exchange, Inc.
(ICE) is the stronger pick with 7. 5% revenue growth year-over-year, versus 4. 1% for Meridian Corporation (MRBK). Meridian Corporation (MRBK) offers the better valuation at 10. 6x trailing P/E (9. 7x forward), making it the more compelling value choice. Analysts rate Meridian Corporation (MRBK) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MRBK or ICE?
On trailing P/E, Meridian Corporation (MRBK) is the cheapest at 10.
6x versus Intercontinental Exchange, Inc. at 24. 4x. On forward P/E, Meridian Corporation is actually cheaper at 9. 7x.
03Which is the better long-term investment — MRBK or ICE?
Over the past 5 years, Meridian Corporation (MRBK) delivered a total return of +70.
7%, compared to +30. 9% for Intercontinental Exchange, Inc. (ICE). Over 10 years, the gap is even starker: ICE returned +195. 3% versus MRBK's +158. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MRBK or ICE?
By beta (market sensitivity over 5 years), Intercontinental Exchange, Inc.
(ICE) is the lower-risk stock at 0. 35β versus Meridian Corporation's 0. 65β — meaning MRBK is approximately 84% more volatile than ICE relative to the S&P 500. On balance sheet safety, Intercontinental Exchange, Inc. (ICE) carries a lower debt/equity ratio of 70% versus 89% for Meridian Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — MRBK or ICE?
By revenue growth (latest reported year), Intercontinental Exchange, Inc.
(ICE) is pulling ahead at 7. 5% versus 4. 1% for Meridian Corporation (MRBK). On earnings-per-share growth, the picture is similar: Meridian Corporation grew EPS 30. 3% year-over-year, compared to 20. 7% for Intercontinental Exchange, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MRBK or ICE?
Intercontinental Exchange, Inc.
(ICE) is the more profitable company, earning 26. 1% net margin versus 10. 6% for Meridian Corporation — meaning it keeps 26. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ICE leads at 38. 7% versus 13. 8% for MRBK. At the gross margin level — before operating expenses — ICE leads at 61. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MRBK or ICE more undervalued right now?
On forward earnings alone, Meridian Corporation (MRBK) trades at 9.
7x forward P/E versus 17. 3x for Intercontinental Exchange, Inc. — 7. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ICE: 38. 0% to $194. 00.
08Which pays a better dividend — MRBK or ICE?
All stocks in this comparison pay dividends.
Meridian Corporation (MRBK) offers the highest yield at 2. 5%, versus 1. 4% for Intercontinental Exchange, Inc. (ICE).
09Is MRBK or ICE better for a retirement portfolio?
For long-horizon retirement investors, Intercontinental Exchange, Inc.
(ICE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 35), 1. 4% yield, +195. 3% 10Y return). Both have compounded well over 10 years (ICE: +195. 3%, MRBK: +158. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MRBK and ICE?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: MRBK is a small-cap deep-value stock; ICE is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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