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Friday 6 November 2026
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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
22.12
0.47
+2.17%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 4 | 7 | 8 | 7 | 6 | — | — | — | — |
P/E ratio |
11.57 | 0.00 | 7.66 | 8.33 | 9.31 | 8.95 | 13.61 | 12.54 | 20.12 | 16.15 |
P/S ratio |
1.15 | 1.00 | 1.46 | 2.31 | 2.64 | 1.98 | 2.98 | 2.96 | 3.13 | 2.71 |
P/FCF ratio |
14.58 | 15.05 | 7.25 | 7.96 | 7.46 | 8.71 | 12.04 | 9.72 | 0.00 | 0.00 |
P/Operating CF |
23.69 | 25.25 | 35.08 | 19.21 | 45.80 | 26.30 | 40.00 | 11.08 | 0.00 | 0.00 |
P/B ratio |
0.81 | 0.76 | 0.96 | 1.20 | 1.15 | 0.98 | 1.39 | 1.15 | 0.00 | 0.00 |
Price to Tangible BV |
0.81 | 0.76 | 0.96 | 1.20 | 1.15 | 0.98 | 1.39 | 1.15 | 0.00 | 0.00 |
EV/Sales |
0.41 | (0.03) | 0.94 | 1.38 | 1.51 | 0.58 | 2.10 | 1.15 | 3.13 | 2.71 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
3.78 | (0.26) | 3.81 | 3.65 | 3.65 | 2.36 | 8.01 | 3.44 | 0.00 | 0.00 |
EV/FCF |
5.24 | (0.42) | 4.68 | 4.75 | 4.27 | 2.55 | 8.48 | 3.78 | 0.00 | 0.00 |
Quick Ratio |
0.09 | 0.11 | 0.08 | 0.10 | 0.08 | 0.08 | 0.06 | 0.07 | — | — |
Current Ratio |
1.07 | 1.07 | 1.09 | 1.08 | 1.03 | 0.98 | 1.00 | 1.03 | — | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.16% | 3.28% | 3.57% | 3.75% | 1.78% | 0.90% | 1.16% | 1.34% | 0.00% | 0.00% |
Debt/Equity |
0.32 | 0.35 | 0.33 | 0.36 | 0.16 | 0.09 | 0.11 | 0.12 | 0.87 | 1.17 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.09 | 0.00 | 0.00 |
Operating CF/Net income |
1.10 | (1.21) | 1.29 | 1.37 | 1.46 | 1.13 | 1.20 | 1.37 | 1.73 | 1.53 |
Capex/Depreciation |
(0.77) | (1.11) | (1.87) | (2.68) | (1.63) | (0.57) | (0.49) | (0.79) | — | — |
| 7.23% | (6.47%) | 13.38% | 14.75% | 13.26% | 10.87% | 10.80% | 9.68% | 6.75% | 10.97% | |
| 0.61% | (0.57%) | 1.23% | 1.37% | 1.22% | 1.03% | 1.17% | 1.67% | 0.00% | 0.00% | |
ROIC |
10.05% | 5.47% | 13.21% | 18.05% | 15.99% | 17.38% | 13.38% | 9.80% | 14.16% | 14.44% |
Return on Tangible Assets |
9.58% | (8.55%) | 14.44% | 16.76% | 32.72% | (101.74%) | 148.78% | 22.84% | 27.73% | 32.29% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
40.17% | 43.53% | 36.99% | 47.27% | 45.07% | 48.71% | 42.39% | 49.08% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.91% | 2.06% | 1.95% | 2.84% | 2.69% | 2.20% | 1.64% | 1.88% | 0.00% | 0.00% |
Graham Net Nets |
0.21 | 0.12 | 0.23 | 0.08 | 0.00 | (0.48) | (0.18) | 6.88 | 0.00 | 0.00 |
Graham Number |
31.46 | 0.00 | 43.39 | 40.88 | 35.63 | 27.10 | 25.12 | 21.30 | 0.00 | 0.00 |
Earnings Yield |
8.64% | (8.90%) | 13.05% | 12.00% | 10.74% | 11.18% | 7.35% | 7.97% | 4.97% | 6.19% |
Free Cash Flow Yield |
6.86% | 6.64% | 13.79% | 12.56% | 13.40% | 11.48% | 8.31% | 10.29% | 0.00% | 0.00% |
Revenue per Share |
17.72 | 18.13 | 16.98 | 11.78 | 9.30 | 8.55 | 7.72 | 7.08 | 6.12 | 5.17 |
Operating CF per Share |
1.94 | 1.94 | 4.20 | 4.46 | 3.85 | 2.09 | 2.02 | 1.89 | 1.41 | 1.32 |
Capex per Share |
(0.54) | (0.74) | (0.78) | (1.03) | (0.56) | (0.15) | (0.11) | (0.20) | 0.00 | 0.00 |
Free Cash Flow per Share |
1.40 | 1.20 | 3.42 | 3.42 | 3.29 | 1.94 | 1.91 | 1.69 | 1.41 | 1.32 |
Cash per Share |
22.18 | 28.21 | 18.46 | 20.58 | 14.39 | 13.79 | 8.61 | 9.62 | 0.00 | 0.00 |
Shareholders Equity per Share |
28.56 | 27.35 | 29.45 | 26.34 | 24.98 | 20.62 | 16.61 | 18.23 | 14.44 | 10.29 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
28.56 | 27.35 | 29.45 | 26.34 | 24.98 | 20.62 | 16.61 | 18.23 | 14.44 | 10.29 |
Free Cash Flow |
10.69 | 9.15 | 25.76 | 25.76 | 24.90 | 15.79 | 15.78 | 11.25 | 6.73 | 5.92 |
Working Capital |
126.93 | 128.65 | 155.27 | 131.57 | 46.31 | (29.11) | (4.78) | 26.11 | — | — |
Capital Expenditures |
(4.12) | (5.59) | (5.88) | (7.78) | (4.22) | (1.23) | (0.91) | (1.34) | (5.48) | (10.58) |
Net Current Asset Value |
32.03 | 16.34 | 42.48 | 16.99 | (0.34) | (66.37) | (33.48) | 6.88 | (739.00) | (529.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.04 | 0.05 | 0.09 | 0.06 | 0.02 | 0.01 | 0.03 | 0.00 | 0.00 |
Price to Operating Income |
8.16 | 23.67 | 5.50 | 6.02 | 6.39 | 6.44 | 11.36 | 2.96 | 3.13 | 2.71 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.39 | 0.38 | 0.23 | 0.20 | 0.17 | 0.15 | 0.13 | 0.12 | 0.00 | 0.00 |
Cash ROIC |
2.33% | 1.85% | 5.95% | 6.06% | 7.62% | 5.36% | 7.08% | 5.62% | 5.22% | 5.92% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.04 | 0.03 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | — | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
Average Days of Payables |
11,172.93 | 9,665.95 | 12,907.91 | 41,304.85 | 48,332.22 | 32,616.33 | 20,185.91 | 26,515.87 | — | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
Average Payables |
1,903.49 | 1,796.96 | 1,599.51 | 1,462.43 | 1,425.10 | 1,254.93 | 995.88 | 580.74 | — | — |
Average Assets |
2,220.38 | 2,131.77 | 1,980.59 | 1,786.58 | 1,645.28 | 1,460.26 | 1,188.99 | 550.31 | 0.00 | 0.00 |
Average Common Equity |
186.03 | 187.49 | 182.64 | 166.27 | 150.96 | 138.72 | 129.14 | 95.13 | 57.50 | 35.33 |
Columns are period end dates