MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
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 - $25.17
Previous CloseN/A
Volume1.67K
Average Volume (3M)31.87K
Market Cap
$169.41M
Enterprise Value$73.99M
Total Cash (Recent Filing)$26.85M
Total Debt (Recent Filing)$69.94M
Price to Earnings (P/E)10.1
Beta0.61
Next Earnings
Jul 27, 2026EPS Estimate
0.53Next Dividend Ex-DateN/A
Dividend Yield1.9%
Share Statistics
EPS (TTM)1.76
Shares Outstanding7,324,049
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 Cap0.44
Enterprise Value/Revenue0.55
Enterprise Value/Gross Profit1.01
Enterprise Value/Ebitda3.25
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
Strong Liquidity BufferA $663M secured line covering >42% of deposits materially reduces funding risk and gives management durable optionality to support 3–5% loan growth, withstand depositor stress, and fund strategic actions without relying on costly wholesale markets. This structural buffer strengthens franchise resilience across macro cycles.
NII And NIM ExpansionA sustained increase in net interest income and a core NIM near 3.5% reflect effective deposit re-pricing and funding-cost reduction. Durable margin improvement underpins cash earnings, supports gradual loan growth guidance, and provides room to absorb credit volatility while maintaining disciplined expense and capital deployment.
Capital Strength And Accretive BuybacksAn 11% post-stress CET1 ratio plus repeated, accretive repurchases and a fresh $10M authorization show the bank can return capital while retaining meaningful regulatory cushion. This combination signals both conservative capital management and a credible pathway to enhance long-term shareholder value without compromising safety.
Bears Say
Volatile Cash GenerationA sudden step-down to zero operating and free cash flow undermines earnings quality and constrains durable financial flexibility. Persistently weak cash generation would limit the bank's ability to fund loan growth, cover credit losses, or sustain buybacks/dividends, and raises the risk that reported earnings are less convertible into liquidity in stress scenarios.
Elevated Classified/nonaccruals And Stress ExposureClassified loans and nonaccruals around 3% and a $69.5M worst-case stress estimate represent a tangible credit-underwriting risk for a regional bank concentrated in CRE and construction. Even with capital above buffers, prolonged resolution or larger-than-expected losses could erode earnings, capital and cash, pressuring strategic initiatives.
Competitive Funding Pressure Vs. PeersStructural competition in the D.C. deposit market and persistently higher funding costs reduce long-term margin upside and make NIM improvements harder to sustain. If funding-cost relief decelerates, net interest margins and return on equity could be chronically compressed relative to peers, limiting durable profitability gains.
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 $25.17 in the past 12 months.
What is MainStreet Bancshares Inc’s market cap?
MainStreet Bancshares Inc’s market cap is $169.41M.
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 81 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 7,324,049 shares outstanding.
What happened to MainStreet Bancshares Inc’s price movement after its last earnings report?
MainStreet Bancshares Inc reported an EPS of $0.48 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
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 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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple operational and financial positives: EPS accretion, NII growth (+5%), margin expansion, strengthened liquidity (+$76M to $663M) and low net charge-offs ($259k). Management also highlighted targeted loan growth (3%–5%), successful deposit optimization (64 bps reduction in funding cost) and an accretive buyback program. Lowlights were largely manageable or one-time in nature—an OREO loss ($685k), higher modeled stress losses ($69.5M worst-case), modest classified/nonaccrual ratios (~3%), continued competitive funding pressures, and some NIM volatility from nonrecurring interest items. On balance the positives around margin stability, liquidity, capital strength (post-stress CET1 11%) and accretive capital deployment outweigh the challenges.View all MNSB earnings summariesTechnical Analysis
CF Bankshares
―
Citizens Community Bancorp
―
First Capital
―
Landmark Bancorp
―
BV Financial, Inc.
―
Ownership Overview
9.47% Insiders
9.35% Mutual Funds
0.57% Other Institutional Investors
70.64% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---