MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
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MainStreet Bancshares
(NASDAQ:MNSB)
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Rating:59Neutral
Price Target:
$23.00
â–²(13.24% Upside)
Action:ReiteratedDate:03/25/26
The score is held back primarily by financial statement quality—especially the sharp deterioration to $0 operating/free cash flow in 2025 despite improved profitability. Offsetting factors include reasonable valuation (P/E ~10 and a modest yield), mildly supportive technical positioning near/above key moving averages, and positive capital-return corporate actions (buybacks and dividends).
Positive Factors
Profitability rebound in 2025
A return to positive net income and an ~11.5% net margin in 2025 indicates core banking operations recovered after 2024 losses. Durable earnings recovery improves capacity to fund lending, absorb loan losses, and sustain discretionary capital actions over the next several quarters.
Negative Factors
Operating and free cash flow collapsed in 2025
A sudden drop to zero operating/free cash flow materially weakens the firm's ability to self-fund lending growth, dividends, or buybacks. Persistent cash-flow volatility increases refinancing and liquidity risk and limits strategic flexibility during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability rebound in 2025
A return to positive net income and an ~11.5% net margin in 2025 indicates core banking operations recovered after 2024 losses. Durable earnings recovery improves capacity to fund lending, absorb loan losses, and sustain discretionary capital actions over the next several quarters.
Read all positive factors
MainStreet Bancshares (MNSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$162.13M
Dividend Yield1.9%
Average Volume (3M)31.87K
Price to Earnings (P/E)9.5
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 Cap1.28
Enterprise Value/Revenue1.53
Enterprise Value/Gross Profit2.81
Enterprise Value/Ebitda9.09
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:Apr 21, 2025
(Q1-2025)
| % Change Since: |
Next Earnings Date:Apr 21, 2026
Earnings Call Sentiment Neutral
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.Positive Updates
Net Interest Margin Improvement
The net interest margin increased by 34 basis points from the previous quarter to 3.3%.
Negative Updates
Discontinuation of Avenue Initiative
The Avenue banking-as-a-service initiative was discontinued due to misalignment with strategic priorities, projected costs, and timelines.
Read all updates
Q1-2025 Updates
Positive
Negative
Net Interest Margin Improvement
The net interest margin increased by 34 basis points from the previous quarter to 3.3%.
Read all positive updates
Company Guidance
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.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
21.71
Positive
20.67
Positive
20.36
Positive
Market Momentum
-0.08
Positive
53.04
Neutral
75.22
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 21.88, below the 50-day MA of 21.71, and below the 200-day MA of 20.36, indicating a bullish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 53.04 is Neutral, neither overbought nor oversold. The STOCH value of 75.22 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 43 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 | $149.30M | 8.39 | 12.36% | 3.01% | 12.31% | 39.46% | |
72 Outperform | $169.75M | 11.33 | 5.32% | ― | 4.86% | -8.20% | |
70 Outperform | $160.65M | 10.13 | 9.16% | 1.96% | 11.36% | 25.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $187.66M | 12.00 | 7.81% | 2.00% | -2.16% | -9.35% | |
59 Neutral | $162.13M | 9.50 | 7.26% | 1.90% | 1.92% | -174.59% | |
58 Neutral | $184.06M | 9.23 | 9.65% | 1.16% | 2.33% | 22.43% |
* Financial Sector Average
MNSB
MainStreet Bancshares
22.01
5.30
31.74%
CFBK
CF Bankshares
28.27
6.38
29.13%
CZWI
Citizens Community Bancorp
19.49
4.78
32.51%
FCAP
First Capital
47.99
10.84
29.17%
LARK
Landmark Bancorp
24.58
-0.82
-3.22%
BVFL
BV Financial, Inc.
19.07
3.52
22.60%
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.