MainStreet Bank MNSB
- Market cap
- $177.0M
- P/E
- 12.2×
Follow MNSB
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 10.50 | 13.76 | 16.57 | 16.62 | 11.75 | 16.65 | 20.77 | 18.47 | 14.97 | 15.00 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 13.52 | 22.86 | 23.05 | 25.50 | 23.74 | 26.85 | 30.98 | 29.94 | 24.84 | 22.98 |
High Price
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| — | — | 110 | 126 | 126 | 138 | 168 | 186 | 204 | 171 |
Employees
|
|||
| 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 23 | 29 | 47 | 64 | 70 | 70 | 89 | 128 | 138 | 136 |
Revenue
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| 100.00% | 100.00% | 73.09% | 69.57% | 76.85% | 84.83% | 84.92% | 62.68% | 47.75% | 54.25% |
Gross Margin
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| 23 | 29 | 11 | 17 | 20 | 28 | 33 | 33 | (14) | 19 |
EBT
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| 100.00% | 100.00% | 24.01% | 27.18% | 28.13% | 39.76% | 37.65% | 25.69% | (10.09%) | 14.08% |
EBT Margin
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| 0 | 0 | 9 | 14 | 16 | 22 | 27 | 27 | (10) | 16 |
Net Income
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| — | — | 2 | 2 | 2 | 3 | 3 | 3 | 5 | 5 |
Depreciation
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| 5.17 | 6.12 | 7.08 | 7.72 | 8.55 | 9.30 | 11.78 | 16.98 | 18.13 | 17.72 |
Revenue/Sh
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| 0.87 | 0.81 | 1.38 | 1.69 | 1.85 | 2.65 | 3.26 | 3.25 | (1.60) | 1.76 |
Earnings/Sh
|
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| 1.32 | 1.41 | 1.89 | 2.02 | 2.09 | 3.85 | 4.46 | 4.20 | 1.94 | 1.94 |
Cash Flow/Sh
|
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| 0.00 | 0.00 | (0.20) | (0.11) | (0.15) | (0.56) | (1.03) | (0.78) | (0.74) | (0.54) |
Capex/Sh
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| 1.32 | 1.41 | 1.69 | 1.91 | 1.94 | 3.29 | 3.42 | 3.42 | 1.20 | 1.40 |
Free CF/Sh
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| 10.29 | 14.44 | 18.23 | 16.61 | 20.62 | 24.98 | 26.34 | 29.45 | 27.35 | 28.56 |
Book Value/Sh
|
|||
| 4 | 5 | 7 | 8 | 8 | 8 | 8 | 8 | 8 | 8 |
Shares
|
|||
| 16.15 | 20.12 | 12.54 | 13.61 | 8.95 | 9.31 | 8.33 | 7.66 | 0.00 | 11.57 |
PE Ratio
|
|||
| 2.71 | 3.13 | 2.96 | 2.98 | 1.98 | 2.64 | 2.31 | 1.46 | 1.00 | 1.15 |
PS Ratio
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| 0.00 | 0.00 | 1.15 | 1.39 | 0.98 | 1.15 | 1.20 | 0.96 | 0.76 | 0.81 |
PB Ratio
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| 2.71 | 3.13 | 1.15 | 2.10 | 0.58 | 1.51 | 1.38 | 0.94 | (0.03) | 0.41 |
EV/Sales
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| 0.00 | 0.00 | 3.78 | 8.48 | 2.55 | 4.27 | 4.75 | 4.68 | (0.42) | 5.24 |
EV/FCF
|
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| 6 | 7 | 13 | 17 | 17 | 29 | 34 | 32 | 15 | 15 |
Op' Cash Flow
|
|||
| (11) | (5) | (1) | (1) | (1) | (4) | (8) | (6) | (6) | (4) |
Capex
|
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| 6 | 7 | 11 | 16 | 16 | 25 | 26 | 26 | 9 | 11 |
FCF
|
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| — | — | 26 | (5) | (29) | 46 | 132 | 155 | 129 | 127 |
Working Cap'
|
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| 54 | 60 | 15 | 15 | 15 | 29 | 72 | 73 | 73 | 70 |
Total Debt
|
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| 54 | 60 | (49) | (56) | (97) | (80) | (83) | (66) | (142) | (100) |
Net Debt
|
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| 46 | 69 | 121 | 137 | 168 | 189 | 198 | 222 | 208 | 219 |
Sh' Equity
|
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| 0.00% | 0.00% | 1.67% | 1.17% | 1.03% | 1.22% | 1.37% | 1.23% | (0.57%) | 0.61% |
ROA
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| 14.44% | 14.16% | 9.80% | 13.38% | 17.38% | 15.99% | 18.05% | 13.21% | 5.47% | 10.05% |
ROIC
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| 10.97% | 6.75% | 9.68% | 10.80% | 10.87% | 13.26% | 14.75% | 13.38% | (6.47%) | 7.23% |
ROE
|
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MainStreet Bank peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| BVFL BV Financial, Inc. | $176.3M | 13.6× | Compare |
| ECBK ECB Bancorp, Inc. | $180.9M | 14.6× | Compare |
| FNWD Finward Bancorp | $183.1M | 18.9× | Compare |
| EBMT Eagle Bancorp Montana, Inc. | $170.5M | 10.5× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| HNVR Hanover Bancorp, Inc. | $183.9M | 20.9× | Compare |
| CBFV CB Financial Services, Inc. | $188.6M | 25.9× | Compare |
| LARK Landmark Bancorp Inc. | $191.1M | 9.7× | Compare |
| BAFN BayFirst Financial Corp. | $192.0M | 0.0× | Compare |
MainStreet Bank (MNSB) key facts
- MainStreet Bank (MNSB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- MainStreet Bank’s revenue for fiscal 2025 (year ended December 2025) was $135.6 million, down 1.63% from fiscal 2024.
- As of September 25, 2026, MNSB traded at $24.83, a market capitalization of $177.0 million.
- MainStreet Bank pays an annual dividend of $0.40 per share, a yield of 2.21%, with a payout ratio of 9.28%.
- Return on equity was 7.23% and debt-to-equity 0.33.
MainStreet Bank (MNSB) Latest News
24 Jul
MainStreet Bank Q2 earnings call highlights financial results, operational updates and forward outlook for MNSB. Quarterly earnings highlights typically deliver moderately noticeable influence on near-term stock sentiment and performance expectations.
23 Jul
MainStreet Bancshares Inc (MNSB) reported strong EPS growth in its Q2 2026 earnings call. Strong EPS growth signals robust financial performance likely to lift stock valuation and investor sentiment.
MainStreet Bancshares (NASDAQ:MNSB) reported its Second Quarter 2025 results, showing significant growth with revenue of US$20.4 million, a 31% increase from 2Q 2024, and net income of US$4.59 million, up 121%. The profit margin improved to 23% from 13% in the previous year, and earnings per share (EPS) rose to US$0.60 from US$0.27. Shares of MNSB have increased by 9.7% over the past week, although there is one warning sign regarding risks associated with the company. The substantial increase in revenue and net income indicates a significant positive shift in financial performance.
20 Jul
MainStreet Bancshares reported solid second quarter 2026 performance. Positive quarterly results signal stable financial performance with moderate effects on stock trajectory.
25 Jun
MainStreet Bank (MNSB) receives a Buy rating upgrade. Buy rating upgrade may lift near-term investor sentiment and share price for MNSB.
23 Apr
MainStreet Bank (MNSB) upgraded to Buy rating by analysts, highlighting strong fundamentals, growth potential, and attractive valuation for investors. Analyst upgrade to Buy directly boosts investor sentiment and can drive significant short-term stock price gains while signaling improved future performance outlook.
21 Apr
MainStreet Bank (MNSB) released Q1 earnings call highlights detailing quarterly financial performance, key metrics, strategic updates, and forward outlook. Q1 earnings highlights signal financial health, growth strategies, and guidance that significantly shape MNSB's market performance and investor confidence.
MainStreet Bancshares Inc (MNSB) reported strong Q1 2026 financial performance in earnings call highlights, featuring robust revenue growth, net income gains, and positive outlook. Strong quarterly earnings signal enhanced financial health and boost investor sentiment, significantly impacting MNSB's market trajectory.
MainStreet Bancshares, Inc. released Q1 2026 earnings call summary highlighting financial results, loan growth, deposit levels, net interest margins, and forward guidance. Q1 earnings call summaries reveal key financial metrics and strategic outlook that significantly sway investor sentiment and stock performance for regional banks.
20 Apr
MainStreet Bancshares, Inc. announced first quarter 2026 results, highlighting key financial metrics for the period. Quarterly earnings reports directly impact financial performance metrics, stock valuation, and investor confidence.
MainStreet Bank (MNSB) reported Q1 earnings that topped analyst estimates. Q1 earnings surpassing estimates positively affects financial performance and market sentiment but lacks transformative elements.
28 Jan
MainStreet Bancshares Inc (MNSB) reported its Q4 2025 earnings, highlighting strategic growth initiatives and improved financial performance. The bank emphasized its focus on expanding its market presence and enhancing customer service. Key metrics showed positive trends, including increased loan origination and a rise in deposits. Management outlined plans for future investments and operational efficiencies aimed at sustaining growth. Overall, the earnings call reflected a confident outlook for the bank's trajectory in the coming quarters. Strategic growth initiatives and improved financial performance are likely to significantly impact future market positioning.
27 Jan
MainStreet Bancshares Inc (MNSB) reported its Q4 2025 earnings, highlighting strategic growth initiatives and improved financial performance. The bank emphasized its focus on expanding its market presence and enhancing customer services. Key metrics showed positive trends, including increased revenue and a solid balance sheet. Management outlined future plans aimed at sustaining growth and adapting to market changes, indicating confidence in the bank's trajectory. Strategic growth initiatives and improved financial performance are likely to significantly impact future market positioning and investor sentiment.
26 Jan
MainStreet Bank reported its Q4 earnings, highlighting a significant increase in net income driven by strong loan growth and improved asset quality. The bank's management discussed strategic initiatives aimed at expanding its market presence and enhancing customer service. Additionally, they addressed challenges in the current economic environment, including rising interest rates and regulatory pressures. Overall, the bank remains optimistic about its growth prospects and plans to invest in technology to streamline operations. Strategic initiatives and strong financial performance indicate a significant impact on future growth and market positioning.
MainStreet Bancshares (MNSB) reported its Q4 2024 earnings, highlighting a strong performance with increased revenues and net income compared to the previous quarter. The bank attributed its growth to improved loan demand and effective cost management strategies. Management provided an optimistic outlook for the upcoming year, emphasizing plans for expansion and investment in technology to enhance customer experience. Key metrics showed a solid balance sheet and healthy asset quality, reinforcing the bank's stability in a competitive market. The earnings report indicates significant growth and strategic plans that could alter the company's trajectory and investor sentiment.
MainStreet Bank (MNSB) reported Q4 earnings and revenues that fell short of analysts' expectations, leading to concerns about its financial performance. The bank's net income and revenue figures were below estimates, prompting a reevaluation of its growth prospects. Analysts are now cautious about the bank's ability to meet future targets, which may affect investor sentiment and market performance. Earnings and revenue misses can moderately influence investor confidence and future financial performance.
MainStreet Bancshares Inc. reported a profitable 2025, highlighting its commitment to serving the Washington, DC Metropolitan Community. The bank's financial performance reflects strong operational strategies and a focus on local customer needs, positioning it well for future growth in the region. The profitable performance indicates a moderately noticeable influence on financial stability and market sentiment.
8 Jan
Institutional investors hold a substantial 47% stake in MainStreet Bancshares, Inc. (NASDAQ:MNSB), indicating strong confidence in the bank's future prospects. This significant ownership may influence the company's strategic decisions and market performance moving forward. The substantial institutional ownership may moderately influence investor sentiment and the company's strategic direction.
28 Nov
Insider buying activity at MainStreet Bancshares has been noted, with multiple executives purchasing shares of the company's stock. This trend is often seen as a positive indicator of confidence in the company's future performance and prospects. The purchases suggest that insiders believe the stock is undervalued or that the company is on a positive trajectory. Insider buying can signal confidence in the company's future, potentially influencing market sentiment and stock performance.
26 Nov
MainStreet Bancshares, Inc. announced the planned retirement of its Chief Financial Officer, who will step down in the first quarter of 2024. The bank is currently in the process of identifying a successor to ensure a smooth transition. The CFO has been instrumental in the bank's financial strategies and operations during their tenure. The CFO's retirement may affect financial performance and operational continuity, but the impact is expected to be manageable with a planned succession.
1 Nov
MainStreet Bancshares (NASDAQ:MNSB) has declared a dividend of $0.10 per share, reflecting the bank's commitment to returning value to its shareholders. The dividend is expected to be paid on a specified date to shareholders of record, signaling a positive outlook for the bank's financial health and stability. The dividend announcement indicates a stable financial position but does not significantly alter the company's overall trajectory.
27 Oct
MainStreet Bank (MNSB) reported Q3 earnings that exceeded analysts' expectations, showcasing strong financial performance driven by increased loan demand and effective cost management. The bank's net income rose significantly compared to the previous quarter, reflecting robust growth in its lending portfolio. Management expressed optimism about future growth prospects, citing a favorable economic environment and strategic initiatives aimed at expanding market share. Overall, the results indicate a positive trajectory for MNSB, bolstering investor confidence. Strong earnings performance and positive management outlook suggest significant future impact on the bank's trajectory.
MainStreet Bancshares Inc. reported another profitable quarter, showcasing strong financial performance and growth in key areas. The bank's earnings reflect effective management strategies and a positive market environment, contributing to its overall stability and investor confidence. Strong financial performance and growth indicate significant impact on future market positioning and investor sentiment.
MainStreet Bancshares (MNSB) reported worsening losses, raising concerns among investors. Despite these financial challenges, the bank's shares are trading significantly below their estimated fair value, suggesting potential for recovery. Analysts are closely monitoring the situation as the bank navigates its financial difficulties. Worsening losses may affect financial performance and investor sentiment, but the shares' undervaluation indicates potential for recovery.
30 Sep
MainStreet Bancshares, Inc. has appointed Wendy Adeler Hall to its Board of Directors, enhancing the board's expertise and diversity. Hall brings extensive experience in banking and finance, which is expected to contribute positively to the bank's strategic direction and governance. The appointment of a new board member with relevant experience may moderately influence the bank's strategic decisions and governance.
15 Sep
MainStreet Bank (MNSB) is highlighted as an attractive option for trend investors due to its strong financial performance, innovative product offerings, and strategic growth initiatives. The bank's focus on digital banking solutions and customer-centric services positions it well in a competitive market. Analysts suggest that MNSB's commitment to sustainability and community engagement further enhances its appeal, making it a compelling choice for investors looking to capitalize on emerging trends in the banking sector. Significant strategic initiatives and a focus on innovation are likely to alter the company's trajectory and investor sentiment.
29 Aug
MainStreet Bank (MNSB) is experiencing positive momentum due to strong financial performance, strategic initiatives, and favorable market conditions. The bank's recent growth in deposits and loans, along with effective cost management, positions it well for continued success. Analysts highlight the potential for further expansion and profitability, suggesting that MNSB is likely to maintain its upward trajectory in the coming quarters. Strong financial performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.
23 Aug
MainStreet Bancshares (NASDAQ:MNSB) has delivered an impressive 86% return to its investors over the past five years, reflecting strong financial performance and effective management strategies. The bank's growth trajectory has positioned it favorably in the competitive landscape, attracting positive investor sentiment and confidence in its future prospects. The significant return over five years indicates strong financial health and potential for continued growth, likely influencing investor sentiment and market performance.
13 Aug
MainStreet Bank (MNSB) has shown recent price strength due to strategic initiatives aimed at enhancing customer experience and operational efficiency. The bank is focusing on digital transformation and expanding its product offerings to attract a broader customer base. Additionally, strong financial performance and effective risk management practices are contributing to investor confidence. Analysts suggest that maintaining this momentum will depend on continued innovation and responsiveness to market demands. Strategic initiatives and digital transformation efforts are likely to significantly impact MainStreet Bank's future performance and market positioning.
22 Jul
MainStreet Bank (MNSB) reported Q2 earnings of $0.53 per share, exceeding the Zacks Consensus Estimate of $0.44 and up from $0.27 a year ago, marking a 20.45% earnings surprise. Revenues reached $19.86 million, surpassing estimates by 10.68% and increasing from $16.16 million year-over-year. The stock has gained 10.4% this year, outperforming the S&P 500's 7.2% increase. The current consensus EPS estimate for the next quarter is $0.53, with revenues projected at $18.3 million. MainStreet Bank holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market. The Banks - Northeast industry ranks in the top 30% of Zacks industries, suggesting a favorable outlook. Earnings and revenue beats indicate moderate positive influence on financial performance and market sentiment.