MainStreet Bancshares (MNSB) Ratios

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MainStreet Bancshares Ratios

MNSB's free cash flow for Q4 2025 was $0.54. For the 2025 fiscal year, MNSB's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.14	0.02	0.03	0.07	0.08
Quick Ratio	0.14	0.02	0.03	0.07	0.08
Cash Ratio	0.09	0.01	0.02	0.03	0.03
Solvency Ratio	<0.01	<0.01	>-0.01	0.02	0.02
Operating Cash Flow Ratio	<0.01	<0.01	<0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	2.11	0.00
Net Current Asset Value	$ -1.75B	$ -1.95B	$ -1.96B	$ -1.69B	$ -1.61B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.03	0.03	0.04	0.09
Debt-to-Equity Ratio	0.33	0.32	0.35	0.40	0.87
Debt-to-Capital Ratio	0.25	0.24	0.26	0.28	0.46
Long-Term Debt-to-Capital Ratio	0.25	0.24	0.26	0.25	0.46
Financial Leverage Ratio	10.34	10.12	10.71	9.19	9.71
Debt Service Coverage Ratio	0.33	0.25	-0.07	0.47	2.19
Interest Coverage Ratio	0.36	0.31	-0.19	0.69	2.50
Debt to Market Cap	0.40	0.45	0.53	0.47	0.83
Interest Debt Per Share	17.28	17.25	19.07	17.99	24.65
Net Debt to EBITDA	-4.13	2.28	-2.75	0.96	3.43
Profitability Margins
Gross Profit Margin	55.62%	54.39%	42.84%	61.40%	82.22%
EBIT Margin	16.00%	14.05%	-10.09%	25.69%	37.65%
EBITDA Margin	17.85%	14.05%	-6.72%	27.84%	40.56%
Operating Profit Margin	16.00%	14.05%	-10.09%	25.69%	37.65%
Pretax Profit Margin	16.00%	14.05%	-10.09%	25.69%	37.65%
Net Profit Margin	12.96%	11.49%	-7.24%	20.81%	30.08%
Continuous Operations Profit Margin	12.96%	11.49%	-7.24%	20.81%	30.08%
Net Income Per EBT	80.98%	81.78%	71.78%	80.99%	79.89%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.78%	0.71%	-0.45%	1.31%	1.39%
Return on Equity (ROE)	7.98%	7.14%	-4.80%	12.00%	13.45%
Return on Capital Employed (ROCE)	6.91%	6.09%	-4.34%	9.82%	8.09%
Return on Invested Capital (ROIC)	5.59%	4.98%	-3.12%	7.61%	6.46%
Return on Tangible Assets	0.78%	0.71%	-0.45%	1.32%	1.39%
Earnings Yield	9.66%	10.02%	-7.25%	14.24%	12.89%
Efficiency Ratios
Receivables Turnover	9.90	9.36	12.19	10.31	9.26
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.92	10.04	10.38	9.16	6.03
Asset Turnover	0.06	0.06	0.06	0.06	0.05
Working Capital Turnover Ratio	-0.08	-0.07	-0.08	-0.09	-0.07
Cash Conversion Cycle	36.87	39.00	29.95	35.40	39.44
Days of Sales Outstanding	36.87	39.00	29.95	35.40	39.44
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	36.87	39.00	29.95	35.40	39.44
Cash Flow Ratios
Operating Cash Flow Per Share	1.98	1.94	1.94	4.20	4.46
Free Cash Flow Per Share	1.42	1.39	1.18	3.41	3.42
CapEx Per Share	0.56	0.55	0.76	0.80	1.03
Free Cash Flow to Operating Cash Flow	0.72	0.72	0.61	0.81	0.77
Dividend Paid and CapEx Coverage Ratio	1.58	1.58	1.34	2.83	2.84
Capital Expenditure Coverage Ratio	3.55	3.55	2.55	5.27	4.31
Operating Cash Flow Coverage Ratio	0.21	0.21	0.20	0.36	0.19
Operating Cash Flow to Sales Ratio	0.11	0.11	0.11	0.25	0.38
Free Cash Flow Yield	6.05%	6.83%	6.50%	13.73%	12.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.35	9.98	-13.79	7.02	7.76
Price-to-Sales (P/S) Ratio	1.32	1.15	1.00	1.46	2.33
Price-to-Book (P/B) Ratio	0.83	0.71	0.66	0.84	1.04
Price-to-Free Cash Flow (P/FCF) Ratio	16.53	14.65	15.38	7.28	8.03
Price-to-Operating Cash Flow Ratio	12.06	10.52	9.34	5.90	6.17
Price-to-Earnings Growth (PEG) Ratio	0.02	-0.05	0.09	-22.89	0.34
Price-to-Fair Value	0.83	0.71	0.66	0.84	1.04
Enterprise Value Multiple	3.27	10.44	-17.60	6.21	9.18
Enterprise Value	77.75M	199.29M	163.15M	220.71M	330.29M
EV to EBITDA	3.27	10.44	-17.60	6.21	9.18
EV to Sales	0.58	1.47	1.18	1.73	3.72
EV to Free Cash Flow	7.31	18.74	18.23	8.61	12.82
EV to Operating Cash Flow	5.25	13.46	11.07	6.98	9.85
Tangible Book Value Per Share	28.72	28.56	27.35	27.50	25.12
Shareholders’ Equity Per Share	28.72	28.56	27.35	29.45	26.34
Tax and Other Ratios
Effective Tax Rate	0.19	0.18	0.28	0.19	0.20
Revenue Per Share	17.80	17.76	18.13	16.98	11.78
Net Income Per Share	2.31	2.04	-1.31	3.53	3.54
Tax Burden	0.81	0.82	0.72	0.81	0.80
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.27	0.25	0.24	0.29
Stock-Based Compensation to Revenue	0.02	0.02	0.02	0.02	0.03
Income Quality	0.95	0.95	-1.48	1.19	1.26

Currency in USD