MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
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MainStreet Bancshares
(NASDAQ:MNSB)
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Rating:63Neutral
Price Target:
$23.50
â–²(15.71% Upside)
Action:ReiteratedDate:04/01/26
The score is driven primarily by mixed fundamentals: profitability and balance-sheet metrics improved, but the reported 2025 operating/free cash flow drop to $0 is a major offset. Valuation is a positive (low P/E, modest yield), while technicals show mild upward bias. Earnings-call guidance and capital actions (liquidity strength and buybacks) add support, tempered by monitored credit items.
Positive Factors
NIM and net interest income growth
Sustained NII growth and a stable NIM reflect the bank’s core commercial lending franchise and funding optimization. As management expects continued funding-cost relief in 2026, persistent NII strength supports durable earnings generation and margin resilience across interest-rate cycles.
Negative Factors
Deteriorating cash generation
A collapse to zero operating and free cash flow in 2025 marks a structural weakening in cash conversion versus prior years. Persistent cash-flow volatility can constrain reinvestment, limit self-funded capital returns, and increase reliance on balance-sheet actions to meet liquidity and strategic needs.
Read all positive and negative factors
Positive Factors
Negative Factors
NIM and net interest income growth
Sustained NII growth and a stable NIM reflect the bank’s core commercial lending franchise and funding optimization. As management expects continued funding-cost relief in 2026, persistent NII strength supports durable earnings generation and margin resilience across interest-rate cycles.
Read all positive factors
MainStreet Bancshares (MNSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$171.19M
Dividend Yield1.9%
Average Volume (3M)31.87K
Price to Earnings (P/E)10.0
Beta (1Y)0.55
Revenue Growth1.92%
EPS Growth-174.59%
CountryUS
Employees182
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.46
Shares Outstanding7,366,049
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 Cap1.26
Enterprise Value/Revenue1.59
Enterprise Value/Gross Profit2.94
Enterprise Value/Ebitda9.48
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
MainStreet Bancshares Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
MainStreet Bancshares makes money primarily through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from the spread between (1) interest earned on interest-earning assets—mainly commer...
MainStreet Bancshares Key Performance Indicators (KPIs)
MainStreet Bancshares Earnings Call Summary
Earnings Call Date:Jan 26, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 21, 2026
Earnings Call Sentiment Positive
The call emphasized a strong recovery from prior-year technology transition challenges, with healthy profitability (EPS $1.76), NIM resilience (3.46%), 11% growth in net interest income, significant reduction in deposit costs (71 bps YoY), expanded liquidity (>30% of deposits covered), disciplined loan growth and robust capital (post-stress CET1 11.8%). Notable credit items include two relationships moved to nonaccrual with $600k of interest reversals, an increase in modeled worst-case stress loss to $62.9M, and classified assets at 2.69%; however, actual net charge-offs remained virtually 0 and management highlighted strong workout experience. Overall, positive operational and capital trends outweigh the contained credit and valuation headwinds.Positive Updates
Earnings Per Share and Profitability
Earnings per common share of $1.76 for fiscal 2025; return on average assets (ROAA) of 0.73% and return on average tangible common equity of 7.24%.
Negative Updates
Nonaccruals and Interest Reversals
Two relationships were moved to nonaccrual this quarter, resulting in nonrecurring interest reversals of $600,000 and contributing to an increase in nonaccruals.
Read all updates
Q4-2025 Updates
Positive
Negative
Earnings Per Share and Profitability
Earnings per common share of $1.76 for fiscal 2025; return on average assets (ROAA) of 0.73% and return on average tangible common equity of 7.24%.
Read all positive updates
Company Guidance
Management's guidance focused on steady, profitable growth and margin improvement in 2026: they expect loan growth of 3%–4% in the first six months, an expense run rate in Q1–Q2 consistent with Q4 2025, and funding-cost relief through the year that should support net interest margin resilience and improvement (reported NIM 3.46%, core NIM steady over nine months); they reiterated strong capital and liquidity (liquidity facilities now cover over 30% of deposits), active capital return (share repurchase capacity refreshed to $10.0 million, 209,000 shares repurchased in Q4 at 28% accretion to book, 80% of tangible book value trading at year-end, 10b5‑1 to be filed post‑blackout) and disciplined balance‑sheet management (loan‑to‑deposit optimization, deposit cost down 71 bps YoY); they also highlighted credit metrics and buffers — 2025 EPS $1.76, ROAA 0.73%, ROTCE 7.24%, $600k of nonrecurring interest reversals tied to two nonaccruals, stress‑test worst‑case loss $62.9 million with post‑stress CET1 of 11.8% (well above the 7% threshold), classified assets 2.69%, nonaccruals 1.69%, OREO 0.09%, annual net charge‑offs ~0 — and portfolio positioning (30% non‑owner CRE, 24% owner‑occupied CRE, 16% construction, 12% multifamily, 12% residential, 6% C&I; 67% of loans reset beyond six months), plus targeted growth initiatives such as a seventh branch and attractive government‑contracting relationships (27 asset‑based lines, $12.3M balances, $67.3M commitments, 18% utilization, $1.4M term debt outstanding, avg remaining term 24 months, average deposit relationships ~$93.6M).MainStreet Bancshares Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
66
Positive
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 135.89M | 137.87M | 127.76M | 88.68M | 70.31M |
| Gross Profit | 73.92M | 59.06M | 78.44M | 72.91M | 60.82M |
| EBITDA | 19.09M | -9.27M | 35.57M | 35.97M | 30.32M |
| Net Income | 15.61M | -9.98M | 26.59M | 26.67M | 22.17M |
Balance Sheet | |||||
| Total Assets | 2.21B | 2.23B | 2.04B | 1.93B | 1.65B |
| Cash, Cash Equivalents and Short-Term Investments | 81.63M | 48.92M | 113.51M | 111.56M | 161.74M |
| Total Debt | 69.94M | 73.04M | 87.64M | 172.25M | 29.29M |
| Total Liabilities | 1.99B | 2.02B | 1.81B | 1.73B | 1.46B |
| Stockholders Equity | 218.59M | 207.99M | 221.52M | 198.28M | 188.79M |
Cash Flow | |||||
| Free Cash Flow | 10.64M | 8.95M | 25.63M | 25.76M | 24.82M |
| Operating Cash Flow | 14.81M | 14.74M | 31.63M | 33.54M | 29.12M |
| Investing Cash Flow | -38.38M | -122.28M | -130.75M | -228.74M | -29.25M |
| Financing Cash Flow | -21.38M | 200.73M | 83.03M | 232.59M | -14.20M |
MainStreet Bancshares Technical Analysis
Positive
20.31
Price Trends
22.21
Positive
21.14
Positive
20.60
Positive
Market Momentum
0.35
Negative
64.25
Neutral
78.92
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNSB, the sentiment is Positive. The current price of 20.31 is below the 20-day moving average (MA) of 22.11, below the 50-day MA of 22.21, and below the 200-day MA of 20.60, indicating a bullish trend. The MACD of 0.35 indicates Negative momentum. The RSI at 64.25 is Neutral, neither overbought nor oversold. The STOCH value of 78.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNSB.
MainStreet Bancshares Risk Analysis
MainStreet Bancshares disclosed 45 risk factors in its most recent earnings report. MainStreet Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MainStreet Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $162.30M | 8.47 | 12.36% | 3.01% | 12.31% | 39.46% | |
71 Outperform | $175.01M | 11.33 | 5.32% | ― | 4.86% | -8.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $181.16M | 10.13 | 9.16% | 1.96% | 11.36% | 25.07% | |
63 Neutral | $171.19M | 9.98 | 7.26% | 1.90% | 1.92% | -174.59% | |
62 Neutral | $199.12M | 12.00 | 7.81% | 2.00% | -2.16% | -9.35% | |
58 Neutral | $192.00M | 9.23 | 9.65% | 1.16% | 2.33% | 22.43% |
* Financial Sector Average
MNSB
MainStreet Bancshares
23.24
8.20
54.51%
CFBK
CF Bankshares
29.49
9.40
46.80%
CZWI
Citizens Community Bancorp
20.68
7.53
57.30%
FCAP
First Capital
54.15
15.41
39.77%
LARK
Landmark Bancorp
26.72
2.62
10.89%
BVFL
BV Financial, Inc.
20.00
5.98
42.65%
MainStreet Bancshares Corporate Events
Business Operations and StrategyExecutive/Board Changes
MainStreet Bancshares Adds Veteran Executive to Board
Positive
Mar 25, 2026
On March 25, 2026, MainStreet Bancshares, Inc., the financial holding company for MainStreet Bank, announced the appointment of Morgan Higgins, a veteran financial executive with more than 20 years’ experience in banking and government contr...
Stock BuybackFinancial Disclosures
MainStreet Bancshares Reports 2026 Share Repurchase Activity
Positive
Mar 3, 2026
On March 3, 2026, MainStreet Bancshares, Inc., the holding company for MainStreet Bank, reported that since the start of 2026 it has repurchased 174,280 shares of its common stock at an average price of $22.45 per share under its existing stock bu...
Dividends
MainStreet Bancshares Declares Quarterly Dividend on Preferred Stock
Positive
Feb 20, 2026
On February 20, 2026, MainStreet Bancshares, Inc.’s board declared a quarterly cash dividend on its 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, which is represented by 1,150,000 depositary shares issued in September 2...
Dividends
MainStreet Bancshares Declares Quarterly Cash Dividend for Shareholders
Positive
Jan 27, 2026
On January 27, 2026, MainStreet Bancshares, Inc. declared a $0.10 per share cash dividend for its common shareholders, with payment scheduled for February 16, 2026, to shareholders of record as of February 9, 2026. The board emphasized that any fu...
Business Operations and StrategyStock BuybackFinancial Disclosures
MainStreet Bancshares Reports 2025 Results and Growth Outlook
Positive
Jan 26, 2026
On January 26, 2026, MainStreet Bancshares, Inc. reported net income of $15.6 million for the year ended December 31, 2025, equivalent to earnings of $1.76 per common share, and executed a repurchase of 209,000 shares in the fourth quarter while m...
Financial Disclosures
MainStreet Bancshares schedules virtual Q4 2025 earnings call
Neutral
Jan 12, 2026
On January 12, 2026, MainStreet Bancshares, Inc. announced plans to hold a virtual webcast and quarterly earnings conference call on January 26, 2026, to review its fourth-quarter and full-year financial results and to provide an update on recent ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.