The earnings call presented a mix of positive strides in net interest margin improvements and strategic financial management, contrasted by the setback of discontinuing the Avenue initiative and nominal loan growth. Expense management initiatives are in place, but the organization is facing challenges with increased delinquency rates and costs associated with strategic shifts.

Company Guidance -

Q3 2025

During the earnings webcast held on April 21, 2025, MainStreet Bancshares Inc. provided several key metrics and strategic updates for the first quarter. The company reported earnings per common share of $0.25, a return on average assets of 0.46%, and a return on average equity of 4.78%, alongside a net interest margin increase of 34 basis points to 3.3% from the previous quarter. Non-performing loans held steady at $21.7 million, with an anticipated reduction to $10.5 million due to a court-approved payoff scheduled for June. Loan demand remained robust, although investor CRE lending was reduced in response to political and economic uncertainties. The company's loan portfolio exhibited nominal net growth of $1 million, with non-owner-occupied commercial real estate loans increasing by $25 million and construction loans decreasing by $47 million. The bank's Avenue banking-as-a-service initiative was discontinued due to misaligned costs and timelines, with efforts now focused on the core bank to drive shareholder value. Additionally, a 12.5% reduction in operating expenses is expected in the second quarter as part of ongoing cost-efficiency measures. The bank also succeeded in growing non-interest-bearing and low-cost transactional deposits by $74 million during the quarter, further enhancing its financial position.

Net Interest Margin Improvement

The net interest margin increased by 34 basis points from the previous quarter to 3.3%.

Reduction in Non-Performing Loans

Non-performing loans are holding steady at $21.7 million, and are expected to reduce to $10.5 million with a court-approved payoff coming in June.

Strategic Repricing of Retail and Wholesale CDs

Retail CDs repriced to almost 100 basis points less than previous rates, and wholesale CDs were repriced to 71 basis points lower.

Increase in Non-Interest Bearing Deposits

Increased non-interest-bearing and low-cost transactional deposits by $74 million in the first quarter.

Expense Reduction Strategy

Plan to decrease operating expenses by 12.5% in the second quarter and continue reductions throughout the year.

MainStreet Bancshares (MNSB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

MNSB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.51 / -	-0.04	―	―	―
Jul 22, 2025	2025 (Q2)	0.44 / 0.53	0.27	96.30% (+0.26)
Apr 21, 2025	2025 (Q1)	0.21 / 0.25	0.36	-30.56% (-0.11)	―	―
Jan 27, 2025	2024 (Q4)	0.23 / -0.12	0.61	-119.67% (-0.73)	―
Oct 28, 2024	2024 (Q3)	0.07 / -0.04	0.77	-105.19% (-0.81)	―
Jul 29, 2024	2024 (Q2)	0.29 / 0.27	0.85	-68.24% (-0.58)	―
Apr 22, 2024	2024 (Q1)	0.51 / 0.36	1.01	-64.36% (-0.65)		―
Jan 22, 2024	2023 (Q4)	0.68 / 0.61	0.95	-35.79% (-0.34)		―
Oct 23, 2023	2023 (Q3)	0.77 / 0.77	0.97	-20.62% (-0.20)		―
Jul 24, 2023	2023 (Q2)	0.84 / 0.85	0.712	19.38% (+0.14)	―	―

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
Jul 22, 2025	$19.89	$21.30	+7.09%
Apr 21, 2025	$16.29	$16.47	+1.10%
Jan 27, 2025	$17.21	$16.82	-2.27%
Oct 28, 2024	$17.60	$17.37	-1.31%

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 (MNSB) report earnings?

Mainstreet Bancshares (MNSB) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).

What is Mainstreet Bancshares (MNSB) earnings time?

Mainstreet Bancshares (MNSB) earnings time is at Oct 28, 2025, 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 2025 (Q3) is 0.51.

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