MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
MNSB Stock Chart & Stats
$20.31
-$0.15(-0.87%)
At close: 4:00 PM EST
$20.31
-$0.15(-0.87%)
Day’s Range― - ―
52-Week Range$15.11 - $24.00
Previous CloseN/A
Volume1.67K
Average Volume (3M)31.87K
Market Cap
$171.48M
Enterprise Value$216.28M
Total Cash (Recent Filing)$81.63M
Total Debt (Recent Filing)$69.94M
Price to Earnings (P/E)10.0
Beta0.55
Next Earnings
Apr 21, 2026EPS Estimate
0.45Next Dividend Ex-DateN/A
Dividend Yield1.9%
Share Statistics
EPS (TTM)0.46
Shares Outstanding7,366,049
10 Day Avg. Volume21,887
30 Day Avg. Volume31,869
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.71
Price to Sales (P/S)1.15
P/FCF Ratio14.65
Enterprise Value/Market Cap1.26
Enterprise Value/Revenue1.60
Enterprise Value/Gross Profit2.94
Enterprise Value/Ebitda9.50
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.12
Revenue Forecast (FY)$85.70M
Bulls Say, Bears Say
Bulls Say
Capital AdequacyA post-stress CET1 ratio of 11.8% provides a durable capital buffer that lets the bank absorb losses without breaching regulatory well-capitalized thresholds. This supports continued lending, measured buybacks and dividend flexibility and reduces the likelihood of forced capital raises over the medium term.
Net Interest Income & MarginSustained NII growth and a stable NIM indicate the franchise is effectively capturing the loan-deposit spread and managing repricing. With disciplined loan growth and funding-cost relief expected, this structural margin strength supports predictable earnings and reinvestment capacity across interest-rate cycles.
Deposit Cost & LiquidityA 71 bp reduction in deposit costs and expanded liquidity coverage materially lowers funding expense and enhances funding resilience. A lower-cost deposit base and ample liquidity reduce refinancing risk and enable margin stability and selective loan growth without reliance on expensive wholesale funding.
Bears Say
Cash Flow VolatilityA sudden step-down to zero operating and free cash flow undermines reliable internal funding for lending, capital returns and investment. Even if earnings recovered, volatile cash generation raises the risk that the bank will need external funding or must curtail buybacks/dividends during stress periods.
Nonaccruals & Interest ReversalsMoves to nonaccrual and related interest reversals signal emerging credit weakness in specific borrower relationships. Even if current charge-offs are low, concentrated problem credits can necessitate higher provisions, compress margins and demand management bandwidth to resolve, limiting risk appetite for growth.
Higher Modeled Stress LossesAn increased modeled worst-case loss raises the upside to potential capital strain in a severe downturn, which can force more conservative underwriting, slower balance-sheet growth or higher provisioning. This reduces optionality for M&A, larger shareholder returns, or aggressive loan growth if stress assumptions persist.
MainStreet Bancshares News
MNSB FAQ
What was MainStreet Bancshares Inc’s price range in the past 12 months?
MainStreet Bancshares Inc lowest stock price was $15.11 and its highest was $24.00 in the past 12 months.
What is MainStreet Bancshares Inc’s market cap?
MainStreet Bancshares Inc’s market cap is $171.48M.
When is MainStreet Bancshares Inc’s upcoming earnings report date?
MainStreet Bancshares Inc’s upcoming earnings report date is Apr 21, 2026 which is in 6 days.
How were MainStreet Bancshares Inc’s earnings last quarter?
MainStreet Bancshares Inc released its earnings results on Jan 26, 2026. The company reported $0.46 earnings per share for the quarter, missing the consensus estimate of $0.49 by -$0.03.
Is MainStreet Bancshares Inc overvalued?
According to Wall Street analysts MainStreet Bancshares Inc’s price is currently Overvalued.
Does MainStreet Bancshares Inc pay dividends?
MainStreet Bancshares Inc pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.9%. See more information on MainStreet Bancshares Inc dividends here
What is MainStreet Bancshares Inc’s EPS estimate?
MainStreet Bancshares Inc’s EPS estimate is 0.45.
How many shares outstanding does MainStreet Bancshares Inc have?
MainStreet Bancshares Inc has 7,366,049 shares outstanding.
What happened to MainStreet Bancshares Inc’s price movement after its last earnings report?
MainStreet Bancshares Inc reported an EPS of $0.46 in its last earnings report, missing expectations of $0.49. Following the earnings report the stock price went down -1.66%.
Which hedge fund is a major shareholder of MainStreet Bancshares Inc?
Currently, no hedge funds are holding shares in MNSB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
MainStreet Bancshares Stock Smart Score
Neutral
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Technicals
SMA
Positive
20 days / 200 days
Momentum
0.86%
12-Months-Change
Fundamentals
Return on Equity
7.26%
Trailing 12-Months
Asset Growth
-0.69%
Trailing 12-Months
Company Description
MainStreet Bancshares Inc
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, remote deposit capture, and courier services. It also provides commercial loans, including government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company provides deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. As of March 18, 2022, it operated six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as 55,000 automated teller machines. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia.
MNSB Company Deck
MNSB Earnings Call
Q4 2026
0:00 / 0:00
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.View all MNSB earnings summariesTechnical Analysis
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Ownership Overview
9.38% Insiders
9.02% Mutual Funds
21.08% Other Institutional Investors
50.98% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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