MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
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Earnings Data
Report Date
Jul 27, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.53Last Year’s EPS
0.53Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Earnings Per Share and Net Interest Income Growth
Reported EPS increased to $0.48 in Q1 2026, driven in part by a 5% increase in net interest income (after credit provision) and disciplined share repurchases.
Net Interest Margin Expansion
Reported net interest margin improved to 3.47%, with a core net interest margin of 3.54% and a five-quarter average NIM of 3.50%, indicating directional margin consistency.
Strong Capital and Liquidity Positioning
Secured available liquidity increased by $76.0 million to $663.0 million; liquidity facilities now cover over 42% of the deposit base. Post-stress common equity Tier 1 ratio remained a strong 11% (well above 7%).
Deposit Optimization and Cost Reduction
Over the last five quarters the bank grew deposits while lowering overall funding cost by 64 basis points. Interest-bearing deposits rose to 42% of the portfolio even as the yield on those deposits fell 79 basis points during the last 12 months.
Accretive Share Repurchase Activity
The company repurchased more than 482,000 shares over the last two quarters, producing approximately $0.30 of per-share accretion to existing shareholders.
Low Credit Losses and Effective Workout Track Record
Quarterly net charge-offs were low at $259,000, and management highlighted a history of resolving problem loans with most current nonaccruals tied to two relationships and strong recovery results historically.
Targeted Loan Growth and Portfolio Composition
Management expects loan growth of 3%–5% for 2026. Portfolio composition is diversified: 30% nonowner-occupied CRE, 25% owner-occupied CRE, 16% construction, 13% multifamily, 11% residential, and 5% commercial & industrial. Owner-occupied CRE grew by roughly $80 million over the past year.
Government Contracting Franchise and Funding Advantage
Government contracting book consists of 30 asset-based lines with $8.8 million outstanding and $71.7 million in commitments (12% utilization). Average deposit relationships tied to this portfolio are ~$104 million, roughly 10x outstanding credit, providing a strong funding advantage.
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
MNSB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 20, 2026 | $24.24 | $24.24 | 0.00% |
Jan 26, 2026 | $20.42 | $20.08 | -1.66% |
Oct 27, 2025 | $19.21 | $19.14 | -0.36% |
Jul 22, 2025 | $19.69 | $21.09 | +7.10% |
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 Inc (MNSB) report earnings?
MainStreet Bancshares Inc (MNSB) is schdueled to report earning on Jul 27, 2026, Before Open (Confirmed).
What is MainStreet Bancshares Inc (MNSB) earnings time?
MainStreet Bancshares Inc (MNSB) earnings time is at Jul 27, 2026, 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 2026 (Q2) is 0.53.