MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
Earnings Data
Report Date
Apr 21, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.45Last Year’s EPS
0.25Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized a strong recovery from prior-year technology transition challenges, with healthy profitability (EPS $1.76), NIM resilience (3.46%), 11% growth in net interest income, significant reduction in deposit costs (71 bps YoY), expanded liquidity (>30% of deposits covered), disciplined loan growth and robust capital (post-stress CET1 11.8%). Notable credit items include two relationships moved to nonaccrual with $600k of interest reversals, an increase in modeled worst-case stress loss to $62.9M, and classified assets at 2.69%; however, actual net charge-offs remained virtually 0 and management highlighted strong workout experience. Overall, positive operational and capital trends outweigh the contained credit and valuation headwinds.Company Guidance
Earnings Per Share and Profitability
Earnings per common share of $1.76 for fiscal 2025; return on average assets (ROAA) of 0.73% and return on average tangible common equity of 7.24%.
Net Interest Income and Margin Strength
Net interest income grew 11% year-over-year; net interest margin (NIM) of 3.46% with core NIM steady over the past nine months and management expecting further improvement as funding costs decline in 2026.
Deposit Cost Reduction and Funding Optimization
Successfully reduced cost of deposits by 71 basis points year-over-year through active mix optimization and a business-customer focused strategy; liquidity facilities expanded to cover over 30% of the deposit portfolio.
Loan and Deposit Growth Momentum
Meaningful loan and deposit growth in Q4; quarter-over-quarter loan growth of 2% and guidance for loan growth of 3–4% over the first six months of 2026.
Share Repurchase Activity
Repurchased 209,000 shares during the last quarter under a refreshed plan (capacity increased to $10 million); repurchases were 28% accretive to book value.
Branch Expansion and Low-Cost Deposit Win
Opening seventh branch in Downtown Middleburg, VA in February; market lead Devon Porter has accumulated over $100 million of low-cost deposits in that market.
Balanced, Diversified Loan Portfolio
Portfolio composition at year-end: 30% non-owner occupied CRE, 24% owner-occupied CRE, 16% construction, 12% multifamily, 12% residential, 6% commercial & industrial; nearly all construction loans have interest reserves held at the bank.
Government Contracting Portfolio Strength
Government contracting book includes asset-based lines (balances ~$12.3M, commitments $67.3M, ~18% utilization), only $1.4M in outstanding term debt (average remaining term ~24 months), and average deposit relationships of ~$93.6M (deposits ~7x outstanding credit).
Strong Capital and Stress Test Results
Conservative stress testing shows post-stress Common Equity Tier 1 ratio of 11.8%, well above the 7% well-capitalized threshold, indicating capital resilience even under a heightened worst-case modeled loss scenario.
Low Actual Credit Losses
Annual net charge-offs at virtually 0% and a history of successful workout outcomes even when loans move to nonaccrual.
MNSB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
MNSB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $20.42 | $20.08 | -1.66% |
Oct 27, 2025 | $19.21 | $19.14 | -0.36% |
Jul 22, 2025 | $19.69 | $21.09 | +7.10% |
Apr 21, 2025 | $16.13 | $16.30 | +1.09% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does MainStreet Bancshares Inc (MNSB) report earnings?
MainStreet Bancshares Inc (MNSB) is schdueled to report earning on Apr 21, 2026, Before Open (Confirmed).
What is MainStreet Bancshares Inc (MNSB) earnings time?
MainStreet Bancshares Inc (MNSB) earnings time is at Apr 21, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is MNSB EPS forecast?
MNSB EPS forecast for the fiscal quarter 2026 (Q1) is 0.45.