Main Street Financial Services (MSWV) AI Stock Analysis

• Market Cap: $117.17M
• Dividend Yield: 3.73%
• Average Volume (3M): 4.26K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 0.24
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.64
• Shares Outstanding: 7,801,011
• 10 Day Avg. Volume: 3,965
• 30 Day Avg. Volume: 4,262
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.41
• Enterprise Value/Revenue: 2.22
• Enterprise Value/Gross Profit: 3.79
• Enterprise Value/Ebitda: 20.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: ―

Main Street Financial Services shows a stable financial standing with strong revenue growth and operational efficiency improvements. However, challenges in maintaining profitability and a recent decline in ROE are concerns. The technical analysis indicates a neutral trend, while the valuation is fair with a decent dividend yield. These factors collectively result in a moderate overall stock score, suggesting a balanced risk-reward profile.

Main Street Financial Services Business Overview & Revenue Model

Company Description

Main Street Financial Services (MSWV) is a comprehensive financial services firm that specializes in providing investment management, financial planning, and advisory services to individual and institutional clients. Operating primarily in the financial sector, MSWV offers a range of core products including retirement planning, wealth management, tax optimization strategies, and estate planning. The company is dedicated to helping clients navigate their financial futures with tailored solutions that align with their unique goals and risk tolerances.

How the Company Makes Money

Main Street Financial Services generates revenue through multiple key streams. Primarily, the company earns income from management fees charged on the assets under management (AUM) for its investment services. These fees are typically a percentage of the total assets managed and vary based on the level of service provided. Additionally, MSWV offers financial planning services for which it charges either a flat fee or hourly rate, contributing to its service fee revenue. The company may also earn commissions from selling financial products, such as insurance policies and mutual funds. Partnerships with financial institutions and brokers can further enhance revenue through referral fees or joint ventures. Overall, the combination of asset management fees, service fees, and commissions forms the backbone of MSWV's revenue model.

Main Street Financial Services Financial Statement Overview

Summary

Main Street Financial Services exhibits solid revenue growth and improved operational efficiency. However, declining net profit margins and return on equity indicate potential profitability challenges. The company maintains moderate leverage but has seen a decrease in its equity ratio. The absence of current cash flow data limits the assessment of cash management. Overall, the financial performance is stable but requires attention to profitability and growth sustainability.

Income Statement

Main Street Financial Services has demonstrated a solid revenue growth rate of 21% in the most recent year, indicating a positive trajectory in its income generation. The gross profit margin remains strong at 100% due to the nature of the banking industry where cost of goods sold is typically zero. However, the net profit margin declined to 14.7% from 21.5% the previous year, suggesting increased expenses or lower efficiency. The EBIT margin improved to 35.6% from 26.5%, showcasing operational efficiency gains. The absence of EBITDA data for the current year limits a comprehensive analysis of operational cash generation.

Balance Sheet

The company's debt-to-equity ratio is 0.9, which indicates a moderate level of leverage, suggesting a balanced approach to financing through debt. The return on equity (ROE) stood at 4.3%, a decline from the previous year's 10.5%, reflecting reduced profitability relative to shareholder investment. The equity ratio decreased to 7.8% from 8.9%, implying a slight increase in financial risk due to higher liabilities relative to assets.

Cash Flow

Cash flow analysis is challenging due to the absence of detailed cash flow data for the current year. Previously, the operating cash flow to net income ratio was healthy, indicating robust cash generation from operations. However, the lack of free cash flow data for 2024 makes it difficult to assess the company's cash management and reinvestment capacity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	74.33M	64.49M	26.48M	22.78M	21.57M	21.61M
Gross Profit	43.44M	36.83M	24.66M	20.07M	18.44M	21.61M
EBITDA	8.24M	7.78M	7.65M	7.50M	7.41M	5.79M
Net Income	6.79M	4.70M	5.68M	5.56M	5.42M	4.42M
Balance Sheet
Total Assets	1.41B	1.41B	604.89M	603.91M	607.44M	511.21M
Cash, Cash Equivalents and Short-Term Investments	42.73M	54.42M	20.88M	33.12M	69.14M	38.16M
Total Debt	99.85M	131.34M	55.74M	29.43M	32.16M	29.61M
Total Liabilities	1.30B	1.30B	550.97M	555.80M	558.49M	465.52M
Stockholders Equity	114.90M	110.64M	53.89M	48.10M	48.95M	45.68M
Cash Flow
Free Cash Flow	0.00	7.20M	6.75M	3.21M	2.46M	3.37M
Operating Cash Flow	0.00	7.51M	6.95M	4.63M	5.46M	3.60M
Investing Cash Flow	0.00	-16.45M	-67.80M	-34.62M	-66.14M	-45.39M
Financing Cash Flow	0.00	42.48M	67.95M	-6.03M	91.66M	33.18M

Main Street Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.02
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MSWV, the sentiment is Positive. The current price of 15.02 is above the 20-day moving average (MA) of 14.74, above the 50-day MA of 13.98, and above the 200-day MA of 13.73, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 74.37 is Negative, neither overbought nor oversold. The STOCH value of 86.77 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MSWV.

Main Street Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	79 Outperform	$132.95M	11.58	9.23%	2.78%	9.87%	2.62%
Sector *	68 Neutral	$17.90B	11.92	10.29%	3.72%	9.73%	1.69%
AFBI	68 Neutral	$121.51M	17.92	5.67%	―	6.51%	28.94%
MSWV	65 Neutral	$117.17M	8.54	12.53%	3.73%	―	―
MNSB	63 Neutral	$174.54M	14.43	-4.04%	1.77%	4.08%	-172.13%
RBKB	58 Neutral	$150.37M	―	-4.65%	―	-17.56%	-233.71%
SRBK	57 Neutral	$124.12M	34.41	1.91%	0.66%	26.46%	―