Want to see MNSB full AI Analyst Report?
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$17.86 - $25.29
Previous CloseN/A
Volume1.67K
Average Volume (3M)31.87K
Market Cap
$171.74M
Enterprise Value$230.41
Total Cash (Recent Filing)$245.92M
Total Debt (Recent Filing)$70.03M
Price to Earnings (P/E)12.2
Beta0.55
Next Earnings
Jul 27, 2026EPS Estimate
0.53Next Dividend Ex-DateN/A
Dividend Yield1.9%
Share Statistics
EPS (TTM)1.99
Shares Outstanding7,117,438
10 Day Avg. Volume21,887
30 Day Avg. Volume31,869
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.71
Price to Sales (P/S)1.15
P/FCF Ratio14.65
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.26
Revenue Forecast (FY)$85.70M
Bulls Say, Bears Say
Bulls Say
Strong Liquidity And Capital BuffersA $663M secured liquidity buffer covering >42% of deposits and an 11% post-stress CET1 materially raise resilience to shocks. This durable strength supports ongoing lending, underwriting flexibility, and permits capital actions (buybacks/dividends) without jeopardizing regulatory capital under stress.
Improving Core Margins And NIINet interest income up 5% and a core NIM ~3.5% reflect lasting improvement from deposit mix shifts and lower funding costs (64 bps reduction). Sustained NII and directional NIM stability are structural earnings drivers for a community bank and help rebuild recurring profitability over multiple quarters.
Disciplined, Accretive Capital AllocationConsistent, accretive buybacks while maintaining capital cushions signal disciplined capital allocation. This approach increases EPS and tangible-book-per-share over time, aligning management incentives with shareholders and demonstrating confidence in ongoing profitability and balance-sheet strength.
Bears Say
Negative Recent Revenue GrowthA durable headwind is the company’s negative TTM revenue trend. Slowing or contracting revenue limits operating leverage, constrains reinvestment capacity, and makes sustaining improving margins harder; recovering profits may be fragile without a return to consistent top-line growth.
Elevated Classified Loans And Concentrated NonaccrualsConcentrated problem credits and elevated classified/nonaccrual ratios create persistent credit risk. Workouts tied to a few relationships can prolong volatility in provisions and hamper loan growth; under stress these concentrations could meaningfully pressure earnings and capital despite current low net charge-offs.
Structural Funding Competitiveness PressuresOperating in a competitive DC deposit market with structurally higher funding costs reduces margin upside and can persistently lower ROA/ROE versus peers. Slower funding-cost relief forces reliance on deposit mix shifts or higher loan yields, which may be difficult without eroding volume or market share.
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 $17.86 and its highest was $25.29 in the past 12 months.
What is MainStreet Bancshares Inc’s market cap?
MainStreet Bancshares Inc’s market cap is $171.74M.
When is MainStreet Bancshares Inc’s upcoming earnings report date?
MainStreet Bancshares Inc’s upcoming earnings report date is Jul 27, 2026 which is in 11 days.
How were MainStreet Bancshares Inc’s earnings last quarter?
MainStreet Bancshares Inc released its earnings results on Apr 20, 2026. The company reported $0.48 earnings per share for the quarter, beating the consensus estimate of $0.45 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 0.53.
How many shares outstanding does MainStreet Bancshares Inc have?
MainStreet Bancshares Inc has 7,117,438 shares outstanding.
What happened to MainStreet Bancshares Inc’s price movement after its last earnings report?
MainStreet Bancshares Inc reported an EPS of $0.48 in its last earnings report, beating expectations of $0.45. Following the earnings report the stock price went same 0%.
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
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
MNSB Sentiment 100%
Sector Average 64%
Sector Average 64%
Insider Transactions
Sold Shares
Worth $104.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
0.86%
12-Months-Change
Fundamentals
Return on Equity
7.98%
Trailing 12-Months
Asset Growth
0.02%
Trailing 12-Months
Company Description
MainStreet Bancshares Inc
MainStreet Bancshares, Inc. operates as the parent entity for MainStreet Bank, which delivers a comprehensive suite of financial products and services. Its diverse offerings cater to individuals, small to mid-sized businesses, and professional service organizations. The bank provides various deposit accounts, including checking (both standard and interest-bearing, for consumers and businesses), savings, money market, NOW, sweep accounts, and certificates of deposit. Beyond core banking, it offers cash management, wire transfer, check imaging, remote deposit capture, and courier services, alongside internet bill payment and robust online and mobile banking solutions. Lending activities encompass commercial loans for government contracts, plant and equipment, general working capital, contract administration, and acquisitions. Furthermore, MainStreet Bank extends financing for commercial, construction, and residential real estate, as well as consumer loans such as term loans and overdraft protection. Debit and credit cards are also available. Incorporated in 2003 and based in Fairfax, Virginia, the company maintained six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., and supported access to 55,000 automated teller machines as of March 18, 2022.
Technical Analysis
CF Bankshares
―
Citizens Community Bancorp
―
First Capital
―
Landmark Bancorp
―
BV Financial, Inc.
―
Ownership Overview
9.82% Insiders
9.88% Mutual Funds
17.82% Other Institutional Investors
50.86% Public Companies and
Individual Investors