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Friday 6 November 2026 Export MNSB’s income statement to Excel — free account

MainStreet Bank

MNSB Financial Banks Regional

MainStreet Bank’s revenue for fiscal 2025 (year ended December 2025) was $135.6 million, down 1.63% from fiscal 2024.

Revenue
−6.70%
EPS
+9.43%
Free cash flow
+286.6%
Total debt
−1.60%

Quarter to June 2026, against a year earlier

22.01 0.36 +1.66%
Market cap
$154.1M
P/E
10.6×
Fwd P/E
10.7×
Dividend yield
1.85%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.91
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 3 — — — — — 1 — — — — —
Insider Ownership 24.76%

Capital & Financial Ratios $m

Size
Market Cap 154.06
Revenue ttm 130.97
Net income ttm 17.34
Free cash flow ttm 23.33
Net debt Q (46.18)
Valuation
P/E 10.61
Forward P/E 10.70
Price / sales 1.19
Forward P/S Powerpack
Price / FCF 6.66
Price / book 0.83
Financial health
Current ratio Q 1.06
Debt / equity Q 0.33
Interest coverage Q —
Growth
Revenue growth Q −6.70% (below 0%: shrinking)
Operating income growth Q +6.56% (above 0%: growing)
EPS, this year +18.75% (at or above 15%: strong)
EPS, next year A +1.44%
Revenue, next year A −36.81% (below 0%: weak)
EPS, past 5 yrs −0.99% (below 0%: weak)
EPS, next 5 yrs A +61.63% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 41.82%
10-year low 10-year high
P/S against its own 10 years 17.71%
10-year low 10-year high
P/B against its own 10 years 29.48%
10-year low 10-year high

Dividends

Yield
1.85%
Annual rate
0.40
Payout ratio
19.6%
Growth, 2022–26
+12.5%/yr
  1. 0.25 ’22
  2. 0.40 ’23 +60
  3. 0.40 ’24 +0
  4. 0.40 ’25 +0
  5. 0.40 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 139 215 170 116
Receivables — — — —
Inventory — — — —
Other — — — —
1,856 2,036 2,026 2,059
2023 2024 2025 Q'26
Payables 1,686 1,908 1,899 1,934
ST’ Debt — — — —
Other — — — —
1,701 1,908 1,899 1,934

Compound Annual Growth %

10y 5y 3y
Sales 21.56% 14.30% 15.21%
Cash Flow — (2.74%) (23.85%)
Earnings 20.02% (2.25%) (18.12%)
Book Value — 5.45% 3.30%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.53 Actual 0.58

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 0.51 0.52 Beat by 0.01
Q4 FY25 0.49 0.46 Miss by 0.03
Q1 FY26 0.45 0.48 Beat by 0.03
Q2 FY26 0.53 0.58 Beat by 0.05
Q4 FY26 0.50 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.48 0.58 — — —
’25 0.25 0.53 0.52 0.46 1.76
’24 0.36 0.27 (0.04) (2.20) (1.60)
’23 1.01 0.85 0.77 0.61 3.25
’22 0.64 0.71 0.97 0.95 3.26
’21 0.65 0.87 0.56 0.56 2.65
’20 0.42 (0.08) 0.63 0.92 1.85
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 32 33 — — —
’25 34 35 34 33 136
’24 33 34 34 36 138
’23 30 32 33 34 128
’22 19 20 23 27 89
’21 18 17 17 18 70
’20 17 16 18 18 70
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 7 5 — — —
’25 1 1 6 7 15
’24 4 1 4 5 15
’23 9 8 10 5 32
’22 7 7 9 11 34
’21 13 5 7 4 29
’20 6 (1) 7 5 17
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 7 5 — — —
’25 1 (3) 5 6 11
’24 2 0 3 5 9
’23 7 6 8 4 26
’22 6 5 7 8 26
’21 13 5 5 2 25
’20 5 (1) 7 5 16
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 23 29 47 64 70 70 89 128 138 136 131 +21.7% 86 — — (36.8%)
Gross margin, % 100.00 100.00 73.09 69.57 76.85 84.83 84.92 62.68 47.75 54.25 55.96 (45.7) pt
EBT 23 29 11 17 20 28 33 33 (14) 19 22 (2.1%)
EBT margin, % 100.00 100.00 24.01 27.18 28.13 39.76 37.65 25.69 (10.09) 14.08 16.56 (85.9) pt
Net income 0 0 9 14 16 22 27 27 (10) 16 17 n/m
Per share, $
Per share, $ Revenue 5.17 6.12 7.08 7.72 8.55 9.30 11.78 16.98 18.13 17.72 18.25 +14.7%
Earnings 0.87 0.81 1.38 1.69 1.85 2.65 3.26 3.25 (1.60) 1.76 2.04 +8.2%
Cash flow 1.32 1.41 1.89 2.02 2.09 3.85 4.46 4.20 1.94 1.94 3.30 +4.3%
Capex 0.00 0.00 (0.20) (0.11) (0.15) (0.56) (1.03) (0.78) (0.74) (0.54) (0.05) n/m
Free cash flow 1.32 1.41 1.69 1.91 1.94 3.29 3.42 3.42 1.20 1.40 3.25 +0.6%
Book value 10.29 14.44 18.23 16.61 20.62 24.98 26.34 29.45 27.35 28.56 29.88 +12.0%
Shares, m 4 5 7 8 8 8 8 8 8 8 8 +6.2%
Valuation, ×
Valuation, × P/E 16.15 20.12 12.54 13.61 8.95 9.31 8.33 7.66 0.00 11.57 10.61 10.8
P/S 2.71 3.13 2.96 2.98 1.98 2.64 2.31 1.46 1.00 1.15 1.19 2.2
P/B 0.00 0.00 1.15 1.39 0.98 1.15 1.20 0.96 0.76 0.81 0.83 0.8
EV/Sales 2.71 3.13 1.15 2.10 0.58 1.51 1.38 0.94 (0.03) 0.41 — 1.4
EV/FCF 0.00 0.00 3.78 8.48 2.55 4.27 4.75 4.68 (0.42) 5.24 — 3.3
Cash, $m
Cash, $m Operating cash flow 6 7 13 17 17 29 34 32 15 15 24 +10.7%
Capex (11) (5) (1) (1) (1) (4) (8) (6) (6) (4) 0 (9.9%)
Free cash flow 6 7 11 16 16 25 26 26 9 11 23 +6.8%
Balance, $m
Balance, $m Working capital — — 26 (5) (29) 46 132 155 129 127 125 +25.3%
Net debt 54 60 (49) (56) (97) (80) (83) (66) (142) (100) (46) n/m
Shareholders’ equity 46 69 121 137 168 189 198 222 208 219 214 +18.9%
Returns, %
Returns, % ROA 0.00 0.00 1.67 1.17 1.03 1.22 1.37 1.23 (0.57) 0.61 0.70 +0.6 pt
ROIC 14.44 14.16 9.80 13.38 17.38 15.99 18.05 13.21 5.47 10.05 8.06 (4.4) pt
ROE 10.97 6.75 9.68 10.80 10.87 13.26 14.75 13.38 (6.47) 7.23 8.13 (3.7) pt
People
People Employees — — 110 126 126 138 168 186 204 171 — +6.5%
Revenue/emp, $m 0.00 0.00 0.43 0.51 0.55 0.51 0.53 0.69 0.68 0.79 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

MainStreet Bank vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FINW FinWise Bancorp $187.9M 13.5× 19.5× +98.06% (above 0%: growing) −48.39% (below 0%: shrinking) −43.89% (below 0%: shrinking) 91.22% 0.00% Compare
BAFN BayFirst Financial Corp. $179.3M — (loss-making) — −70.88% (below 0%: shrinking) n/m −99.45% (below 0%: shrinking) 27.34% 0.00% Compare
EBMT Eagle Bancorp Montana, Inc. $166.3M 10.6× 10.6× +1.67% (above 0%: growing) −19.15% (below 0%: shrinking) +45.65% (above 0%: growing) 75.79% 0.00% Compare
MNSB MainStreet Bank $154.1M 10.6× 10.7× −6.70% (below 0%: shrinking) +9.43% (above 0%: growing) +286.64% (above 0%: growing) 57.99% 0.00%
HNVR Hanover Bancorp, Inc. $153.7M 17.0× 11.4× −2.10% (below 0%: shrinking) +66.67% (above 0%: growing) +972.77% (above 0%: growing) 56.13% 0.00% Compare
HYNE Hoyne Bancorp, Inc. $151.2M — — +11.37% (above 0%: growing) — −140.80% (below 0%: shrinking) 83.07% 0.00% Compare
LSBK Lake Shore Bancorp, Inc. $145.7M 16.6× — +2.32% (above 0%: growing) +16.05% (above 0%: growing) +60.67% (above 0%: growing) 75.39% 0.00% Compare
MGYR Magyar Bancorp, Inc. $142.1M 11.4× 10.6× +9.88% (above 0%: growing) +25.00% (above 0%: growing) +84.11% (above 0%: growing) 63.70% 0.00% Compare
SRBK SR Bancorp, Inc. $134.0M 42.2× 20.3× −1.47% (below 0%: shrinking) −51.91% (below 0%: shrinking) +141.06% (above 0%: growing) 63.94% 0.00% Compare
Median of peers $152.5M 15.0× 11.4× +2.00% −1.55% +53.16% 69.67% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 17 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.27m 1.30m 79.46
2024 741.96k 530.73k 77.34
2023 1.58m 1.48m 103.70

Ownership

Directors and executive officers, together 10.17%
Fourthstone LLC 9.96%
AllianceBerstein L.P. 8.50%
The Banc Funds Company, L.L.C. 5.60%
MainStreet Bancshares, Inc. MainStreet Bank 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

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stockrow.com/MNSB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com