Saturday 17 October 2026 Export MNSB’s income statement to Excel — free account

MainStreet Bank

MainStreet Bank’s revenue for fiscal 2025 (year ended December 2025) was $135.6 million, down 1.63% from fiscal 2024. In the quarter to June 2026, revenue fell 6.70%, EPS grew 9.43%, free cash flow grew 286.6% and total debt fell 1.60%, each against the same quarter a year earlier. Dividend growth for five consecutive years; insiders bought in the last twelve months.

24.15 0.12 −0.49%

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Market cap: $172.8M
P/E: 11.8×
Fwd P/E: 10.9×
Dividend yield: 1.66%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.02

Total sells 0.91

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	2	—	—	—	—	—	—	—	—	—	—	—
Sell	—	3	—	—	—	—	—	1	—	—	—	—

Insider Ownership 24.62%

Capital & Financial Ratios $m

Market Cap 172.83

Revenue 130.97

Net Income 17.34

Free Cash Flow 23.33

Net Debt (46.18)

Current Ratio 1.06

Debt/Equity 0.33

P/E ratio 11.84

Fwd P/E 10.90

P/S ratio 1.32

P/B ratio 0.93

Past 5Y EPS Growth (0.99%)

This Y EPS Growth 28.41%

Next Y EPS Growth 7.08%

Next Y revenue growth (36.81%)

Next 5Y EPS Growth 61.63%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 49.09%

10-year low 10-year high

P/S against its own 10 years 23.74%

10-year low 10-year high

P/B against its own 10 years 44.18%

10-year low 10-year high

Dividends

Payout Ratio 0.20

Annual Dividend Rate 0.40

Annual Dividend Yield 1.66%

	total	individual payouts
2027	Powerpack
2026	0.40	0.10 0.10 0.10
2025	0.40	0.10 0.10 0.10 0.10
2024	0.40	0.10 0.10 0.10 0.10
2023	0.40	0.10 0.10 0.10 0.10
2022	0.25	0.05 0.05 0.05 0.10
2021	Powerpack
2020	Powerpack
2018	Powerpack

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	13.52	22.86	23.05	25.50	23.74	26.85	30.98	29.94	24.84	22.98
People
People	Employees	—	—	110	126	126	138	168	186	204	171
	Revenue/emp, $m	0.00	0.00	0.43	0.51	0.55	0.51	0.53	0.69	0.68	0.79
Income, $m
Income, $m	Revenue	23	29	47	64	70	70	89	128	138	136
	Gross margin, %	100.00	100.00	73.09	69.57	76.85	84.83	84.92	62.68	47.75	54.25
	EBT	23	29	11	17	20	28	33	33	(14)	19
	EBT margin, %	100.00	100.00	24.01	27.18	28.13	39.76	37.65	25.69	(10.09)	14.08
	Net income	0	0	9	14	16	22	27	27	(10)	16
	Depreciation	—	—	2	2	2	3	3	3	5	5
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
	Earnings	0.87	0.81	1.38	1.69	1.85	2.65	3.26	3.25	(1.60)	1.76
	Cash flow	1.32	1.41	1.89	2.02	2.09	3.85	4.46	4.20	1.94	1.94
	Capex	0.00	0.00	(0.20)	(0.11)	(0.15)	(0.56)	(1.03)	(0.78)	(0.74)	(0.54)
	Free cash flow	1.32	1.41	1.69	1.91	1.94	3.29	3.42	3.42	1.20	1.40
	Book value	10.29	14.44	18.23	16.61	20.62	24.98	26.34	29.45	27.35	28.56
	Shares, m	4	5	7	8	8	8	8	8	8	8
Valuation, ×
Valuation, ×	P/E	16.15	20.12	12.54	13.61	8.95	9.31	8.33	7.66	0.00	11.57
	P/S	2.71	3.13	2.96	2.98	1.98	2.64	2.31	1.46	1.00	1.15
	P/B	0.00	0.00	1.15	1.39	0.98	1.15	1.20	0.96	0.76	0.81
	EV/Sales	2.71	3.13	1.15	2.10	0.58	1.51	1.38	0.94	(0.03)	0.41
	EV/FCF	0.00	0.00	3.78	8.48	2.55	4.27	4.75	4.68	(0.42)	5.24
Cash, $m
Cash, $m	Operating cash flow	6	7	13	17	17	29	34	32	15	15
	Capex	(11)	(5)	(1)	(1)	(1)	(4)	(8)	(6)	(6)	(4)
	Free cash flow	6	7	11	16	16	25	26	26	9	11
Balance, $m
Balance, $m	Working capital	—	—	26	(5)	(29)	46	132	155	129	127
	Total debt	54	60	15	15	15	29	72	73	73	70
	Net debt	54	60	(49)	(56)	(97)	(80)	(83)	(66)	(142)	(100)
	Shareholders’ equity	46	69	121	137	168	189	198	222	208	219
Returns, %
Returns, %	ROA	0.00	0.00	1.67	1.17	1.03	1.22	1.37	1.23	(0.57)	0.61
	ROIC	14.44	14.16	9.80	13.38	17.38	15.99	18.05	13.21	5.47	10.05
	ROE	10.97	6.75	9.68	10.80	10.87	13.26	14.75	13.38	(6.47)	7.23

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
LARK Landmark Bancorp Inc.	$192.5M	9.5×	5.6×	+2.62% (above 0%: growing)	+21.58% (above 0%: growing)	+828.81% (above 0%: growing)	78.76%	0.00%	Compare
BVFL BV Financial, Inc.	$184.2M	14.1×	—	−2.37% (below 0%: shrinking)	+48.28% (above 0%: growing)	+1.43% (above 0%: growing)	78.95%	0.00%	Compare
SBFG SB Financial Group, Inc.	$183.5M	11.0×	8.8×	+5.49% (above 0%: growing)	+20.00% (above 0%: growing)	+255.74% (above 0%: growing)	72.32%	0.00%	Compare
FNWD Finward Bancorp	$181.0M	18.3×	12.2×	+0.43% (above 0%: growing)	−2.00% (below 0%: shrinking)	+0.22% (above 0%: growing)	69.03%	0.00%	Compare
ECBK ECB Bancorp, Inc.	$173.4M	13.9×	—	+15.35% (above 0%: growing)	+127.78% (above 0%: growing)	+538.43% (above 0%: growing)	46.07%	0.00%	Compare
MNSB MainStreet Bank	$172.8M	11.8×	10.9×	−6.70% (below 0%: shrinking)	+9.43% (above 0%: growing)	+286.64% (above 0%: growing)	57.99%	0.00%
BAFN BayFirst Financial Corp.	$170.8M	— (loss-making)	—	−70.88% (below 0%: shrinking)	n/m	−99.45% (below 0%: shrinking)	27.34%	0.00%	Compare
HNVR Hanover Bancorp, Inc.	$170.6M	19.0×	11.2×	−2.10% (below 0%: shrinking)	+66.67% (above 0%: growing)	+972.77% (above 0%: growing)	56.13%	0.00%	Compare
EBMT Eagle Bancorp Montana, Inc.	$164.7M	10.2×	11.3×	−1.03% (below 0%: shrinking)	+11.90% (above 0%: growing)	−301.01% (below 0%: shrinking)	76.37%	0.00%	Compare
Median of peers	$177.2M	13.9×	11.2×	−0.30%	+21.58%	+128.59%	70.68%	0.00%

All 323 Banks Regional stocks →

MainStreet Bank (MNSB) key facts

Concern: MainStreet Bank’s revenue for fiscal 2025 (year ended December 2025) was $135.6 million, down 1.63% from fiscal 2024.
MainStreet Bank (MNSB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, MNSB traded at $24.15, a market capitalization of $172.8 million.
MainStreet Bank pays an annual dividend of $0.40 per share, a yield of 1.66%, with a payout ratio of 19.6%.
Return on equity was 7.23% and debt-to-equity 0.33.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.