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MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
Earnings Data
Report Date
Aug 05, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.44Last Year’s EPS
0.27Same Quarter Last Year
Based on 0 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 13.30%
|Next Earnings Date:Aug 05, 2025
Earnings Call Sentiment|Neutral
The earnings call highlighted a strong start to 2025 with improvements in net interest margin and a reduction in non-performing loans. However, the discontinuation of the Avenue initiative and the nominal loan growth due to paused CRE lending represent significant challenges. Overall, the bank is focusing on core operations and cost reductions to drive shareholder value.Company Guidance
During the earnings call, MainStreet Bancshares Inc. provided several key metrics and strategic updates. The net interest margin increased by 34 basis points from the previous quarter to 3.3%, reflecting positive balance sheet management. Non-performing loans remained steady at $21.7 million, with expectations of reducing this to $10.5 million following a court-approved payoff in June. The company reported earnings per share of $0.25, a return on average assets of 0.46%, and a return on average equity of 4.78%. The bank decided to discontinue its Avenue banking-as-a-service initiative to focus on the Core Bank, which aims to drive shareholder value. MainStreet Bancshares is also focusing on reducing its loan-to-deposit ratio, which stands at 96%, by managing its liquidity and funding sources effectively. Cost-cutting measures are expected to yield a 12.5% decrease in operating expenses during the second quarter, with further reductions anticipated throughout the year.Net Interest Margin Improvement
The bank's net interest margin increased by 34 basis points from the previous quarter to 3.3%, reflecting effective balance sheet management.
Reduction in Non-Performing Loans
Non-performing loans are expected to decrease from $21.7 million to $10.5 million due to a court-approved payoff.
Strong Start to 2025
Earnings per common share were $0.25, with a return on average assets of 0.46% and a return on average equity of 4.78%.
Deposit Portfolio Growth
Non-interest-bearing and low-cost transactional deposits increased by $74 million during the quarter.
Cost Reduction Strategy
The bank anticipates a 12.5% decrease in operating expenses during the second quarter as part of its expense reduction plan.
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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
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MNSB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 21, 2025 | $16.46 | $16.64 | +1.09% |
| Jan 27, 2025 | $17.39 | $17.00 | -2.24% |
| Oct 28, 2024 | $17.78 | $17.55 | -1.29% |
| Jul 29, 2024 | $17.86 | $17.41 | -2.52% |
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.
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FAQ
When does MainStreet Bancshares Inc (MNSB) report earnings?
MainStreet Bancshares Inc (MNSB) is schdueled to report earning on Aug 05, 2025, TBA Not Confirmed.
What is MainStreet Bancshares Inc (MNSB) earnings time?
MainStreet Bancshares Inc (MNSB) earnings time is at Aug 05, 2025, TBA Not 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 2025 (Q2) is 0.44.
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