MNSB
MainStreet Bancshares, Inc.
Price Chart
Latest Quote
$24.65
+0.14 (+0.57%)
Current Price
| Previous Close | $24.51 |
| Open | $24.68 |
| Day High | $25.00 |
| Day Low | $24.55 |
| Volume | 115,038 |
Stock Information
| Quarterly Dividend / Yield | $0.40 / 1.63% |
| Shares Outstanding | 7.12M |
| Quarterly Dividend Yield | 1.63% |
| Quarterly Dividend | $0.40 |
| Total Debt | $80.14M |
| Cash Equivalents | $178.22M |
| Revenue | $74.01M |
| Net Income | $15.10M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $175.44M |
| P/E Ratio | 12.39 |
| EPS (TTM) | $1.99 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $97.19M |
| Sales | $74.01M |
| Income | $15.10M |
| Book/sh | $26.59 |
| Cash/sh | $25.04 |
| Employees | 168 |
Financial Ratios
| EPS Growth TTM | 67.10% |
Returns & Margins
| ROA | 0.78% |
| ROE | 8.13% |
| Operating Margin | 33.10% |
| Profit Margin | 23.32% |
Ownership
| Insider Ownership | 16.28% |
| Institutional Ownership | 60.38% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.19 |
| P/S | 2.37 |
| P/B | 0.93 |
Analyst Data
| Recommendation | none |
| Target Price | $27.50 |
Technical Indicators
| SMA20 | $23.77 |
| SMA50 | $23.49 |
| SMA200 | $21.30 |
| RSI | 71.24 |
| ATR | 0.6843 |
| Shares Float | 4.79M |
| Short Float | 2.88% |
| Short Ratio | 4.77 |
| Volatility | 0.53 |
| Rel Volume | 2.43 |
Performance History
| Week | +2.32% |
| Month | +6.99% |
| Quarter | +12.82% |
| 6 Months | +16.07% |
| YTD | +25.19% |
| Year | +35.75% |
| 3 Years | +12.89% |
| 5 Years | +18.48% |
| 10 Years | +136.84% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $24.65 | 115,038 |
| 2026-06-23 | $24.51 | 100,800 |
| 2026-06-22 | $24.11 | 33,100 |
| 2026-06-18 | $23.86 | 82,800 |
| 2026-06-17 | $23.59 | 30,600 |
| 2026-06-16 | $24.09 | 35,700 |
| 2026-06-15 | $24.17 | 40,100 |
| 2026-06-12 | $24.93 | 37,100 |
| 2026-06-11 | $24.40 | 55,800 |
| 2026-06-10 | $24.24 | 42,400 |
| 2026-06-09 | $24.09 | 32,000 |
| 2026-06-08 | $23.90 | 22,500 |
| 2026-06-05 | $23.87 | 38,500 |
| 2026-06-04 | $23.31 | 49,700 |
| 2026-06-03 | $22.67 | 38,600 |
| 2026-06-02 | $23.23 | 25,800 |
| 2026-06-01 | $22.96 | 37,900 |
| 2026-05-29 | $22.89 | 43,300 |
| 2026-05-28 | $23.04 | 42,300 |
| 2026-05-27 | $22.98 | 41,500 |
| 2026-05-26 | $23.03 | 40,900 |
About MainStreet Bancshares, Inc.
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. It offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. The company also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, it offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. The company operates in Herndon, Fairfax, McLean, Clarendon, Leesburg, Middleburg, Virginia, and Washington D.C., as well as automated teller machines. MainStreet Bancshares, Inc. was formerly known as MainStreet Bank (Fairfax, VA) and changed its name to MainStreet Bancshares, Inc. in July 2016. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.
đ° Latest News
Are Investors Undervaluing MainStreet Bank (MNSB) Right Now?
Zacks âĸ 2026-05-29T13:40:02Z
Should Value Investors Buy MainStreet Bank (MNSB) Stock?
Zacks âĸ 2026-05-12T13:40:02Z
MainStreet Bank (MNSB) Upgraded to Buy: Here's What You Should Know
Zacks âĸ 2026-04-23T16:00:03Z
MainStreet Bank Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-22T00:04:22Z
MainStreet Bancshares Inc (MNSB) Q1 2026 Earnings Call Highlights: Strong Financial Performance ...
GuruFocus.com âĸ 2026-04-21T23:00:24ZMainStreet Bancshares, Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-21T12:30:00Z
MainStreet Bank (MNSB) Q1 Earnings Top Estimates
Zacks âĸ 2026-04-20T13:10:01Z
MainStreet Bancshares Inc (MNSB) Q4 2025 Earnings Call Highlights: Strategic Growth and ...
GuruFocus.com âĸ 2026-01-29T01:02:19Z
MainStreet Bank Q4 Earnings Call Highlights
MarketBeat âĸ 2026-01-26T18:51:12Z
MainStreet Bancshares (MNSB) Q4 2024 Earnings Call
Motley Fool âĸ 2026-01-26T17:00:57Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $73,299,000 | $65,826,000 | $80,082,000 | $75,310,000 |
| Operating Revenue | $73,299,000 | $65,826,000 | $80,082,000 | $75,310,000 |
| Expenses | ||||
| Interest Expense | $62,043,000 | $72,041,000 | $47,679,000 | $13,369,000 |
| Selling And Marketing Expense | $2,051,000 | $2,199,000 | $2,343,000 | $2,304,000 |
| General And Administrative Expense | $34,718,000 | $32,746,000 | $30,320,000 | $25,310,000 |
| Other Non Interest Expense | $12,535,000 | $13,051,000 | $8,482,000 | $7,653,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $15,613,000 | $-9,980,000 | $26,585,000 | $26,674,000 |
| Net Interest Income | $69,545,000 | $62,574,000 | $76,742,000 | $70,649,000 |
| Interest Income | $131,588,000 | $134,615,000 | $124,421,000 | $84,018,000 |
| Normalized Income | $15,389,741 | $4,175,321 | $26,585,000 | $26,674,000 |
| Net Income From Continuing And Discontinued Operation | $15,613,000 | $-9,980,000 | $26,585,000 | $26,674,000 |
| Net Income Common Stockholders | $13,457,000 | $-12,136,000 | $24,429,000 | $24,518,000 |
| Net Income | $15,613,000 | $-9,980,000 | $26,585,000 | $26,674,000 |
| Net Income Including Noncontrolling Interests | $15,613,000 | $-9,980,000 | $26,585,000 | $26,674,000 |
| Net Income Continuous Operations | $15,613,000 | $-9,980,000 | $26,585,000 | $26,674,000 |
| Pretax Income | $19,091,000 | $-13,904,000 | $32,824,000 | $33,388,000 |
| Special Income Charges | $273,000 | $-19,721,000 | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $1.76 | $-1.60 | $3.25 | $3.26 |
| Basic EPS | $1.76 | $-1.60 | $3.25 | $3.26 |
| Other | ||||
| Tax Effect Of Unusual Items | $49,741 | $-5,565,679 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $273,000 | $-19,721,000 | $0 | $0 |
| Total Unusual Items Excluding Goodwill | $273,000 | $-19,721,000 | $0 | $0 |
| Reconciled Depreciation | $4,940,000 | $4,634,000 | $2,745,000 | $2,579,000 |
| Diluted Average Shares | $7,652,504 | $7,606,391 | $7,522,913 | $7,529,382 |
| Basic Average Shares | $7,652,504 | $7,606,391 | $7,522,913 | $7,529,382 |
| Diluted NI Availto Com Stockholders | $13,457,000 | $-12,136,000 | $24,429,000 | $24,518,000 |
| Preferred Stock Dividends | $2,156,000 | $2,156,000 | $2,156,000 | $2,156,000 |
| Tax Provision | $3,478,000 | $-3,924,000 | $6,239,000 | $6,714,000 |
| Impairment Of Capital Assets | $0 | $19,721,000 | $0 | $0 |
| Gain On Sale Of Security | $103,000 | $-48,000 | $0 | $4,000 |
| Selling General And Administration | $36,769,000 | $34,945,000 | $32,663,000 | $27,614,000 |
| Other Gand A | $996,000 | $929,000 | $922,000 | $872,000 |
| Insurance And Claims | $2,135,000 | $1,342,000 | $1,131,000 | $637,000 |
| Salaries And Wages | $31,587,000 | $30,475,000 | $28,267,000 | $23,801,000 |
| Occupancy And Equipment | $5,247,000 | $5,250,000 | $4,471,000 | $4,257,000 |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $218,591,000 | $207,991,000 | $206,860,000 | $189,133,000 |
| Total Assets | $2,212,669,000 | $2,228,098,000 | $2,035,432,000 | $1,925,751,000 |
| Receivables | $14,518,000 | $11,311,000 | $12,390,000 | $9,581,000 |
| Accounts Receivable | $14,518,000 | $11,311,000 | $12,390,000 | $9,581,000 |
| Cash And Cash Equivalents | $26,455,000 | $23,062,000 | $53,581,000 | $48,931,000 |
| Cash Financial | $25,179,000 | $21,351,000 | - | - |
| Cash Cash Equivalents And Federal Funds Sold | $169,761,000 | $214,581,000 | $138,869,000 | $154,925,000 |
| Goodwill And Other Intangible Assets | - | $0 | $14,657,000 | $9,149,000 |
| Other Receivables | - | $11,311,000 | $12,390,000 | $9,581,000 |
| Other Intangible Assets | - | - | $14,657,000 | $9,149,000 |
| Debt | ||||
| Net Debt | $43,481,000 | $49,977,000 | $19,061,000 | $123,314,000 |
| Total Debt | $69,936,000 | $73,039,000 | $72,642,000 | $172,245,000 |
| Long Term Debt And Capital Lease Obligation | $69,936,000 | $73,039,000 | $72,642,000 | $172,245,000 |
| Long Term Debt | $69,936,000 | $73,039,000 | $72,642,000 | $172,245,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,994,078,000 | $2,020,107,000 | $1,813,915,000 | $1,727,469,000 |
| Equity | ||||
| Common Stock Equity | $191,328,000 | $180,728,000 | $194,254,000 | $171,019,000 |
| Preferred Stock Equity | $27,263,000 | $27,263,000 | $27,263,000 | $27,263,000 |
| Total Equity Gross Minority Interest | $218,591,000 | $207,991,000 | $221,517,000 | $198,282,000 |
| Stockholders Equity | $218,591,000 | $207,991,000 | $221,517,000 | $198,282,000 |
| Gains Losses Not Affecting Retained Earnings | $-5,768,000 | $-7,711,000 | $-7,478,000 | $-8,546,000 |
| Retained Earnings | $101,557,000 | $91,150,000 | $106,549,000 | $86,830,000 |
| Other | ||||
| Preferred Shares Number | $1,150,000 | $1,150,000 | $1,150,000 | $1,150,000 |
| Ordinary Shares Number | $7,496,571 | $7,603,765 | $7,527,415 | $7,442,743 |
| Share Issued | $7,496,571 | $7,603,765 | $7,527,415 | $7,442,743 |
| Tangible Book Value | $191,328,000 | $180,728,000 | $179,597,000 | $161,870,000 |
| Invested Capital | $261,264,000 | $253,767,000 | $266,896,000 | $343,264,000 |
| Total Capitalization | $288,527,000 | $281,030,000 | $294,159,000 | $370,527,000 |
| Additional Paid In Capital | $66,531,000 | $67,823,000 | $65,985,000 | $63,999,000 |
| Capital Stock | $56,271,000 | $56,729,000 | $56,461,000 | $55,999,000 |
| Common Stock | $29,008,000 | $29,466,000 | $29,198,000 | $28,736,000 |
| Preferred Stock | $27,263,000 | $27,263,000 | $27,263,000 | $27,263,000 |
| Long Term Provisions | $335,000 | $287,000 | $1,009,000 | - |
| Investments And Advances | $71,752,000 | $71,825,000 | $77,203,000 | $80,273,000 |
| Held To Maturity Securities | $13,399,000 | $16,078,000 | $17,275,000 | $17,642,000 |
| Available For Sale Securities | $57,954,000 | $54,747,000 | - | - |
| Net PPE | $13,530,000 | $13,287,000 | $13,944,000 | $14,709,000 |
| Accumulated Depreciation | $-11,532,000 | $-10,528,000 | $-9,439,000 | $-8,399,000 |
| Gross PPE | $25,062,000 | $23,815,000 | $23,383,000 | $23,108,000 |
| Leases | $1,091,000 | $1,091,000 | $1,091,000 | $1,091,000 |
| Machinery Furniture Equipment | $6,962,000 | $6,818,000 | $6,431,000 | $6,156,000 |
| Buildings And Improvements | $13,853,000 | $13,050,000 | $13,005,000 | $13,005,000 |
| Land And Improvements | $3,156,000 | $2,856,000 | $2,856,000 | $2,856,000 |
| Other Short Term Investments | $399,000 | $55,747,000 | $59,928,000 | $62,631,000 |
| Treasury Shares Number | - | - | $0 | - |
| Construction In Progress | - | - | - | $0 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $10,637,000 | $8,951,000 | $25,628,000 | $25,763,000 |
| Operating Activities | ||||
| Operating Cash Flow | $14,811,000 | $14,740,000 | $31,633,000 | $33,544,000 |
| Cash Flow From Continuing Operating Activities | $14,811,000 | $14,740,000 | $31,633,000 | $33,544,000 |
| Operating Gains Losses | $-326,000 | $-51,000 | $-129,000 | $164,000 |
| Investing Activities | ||||
| Capital Expenditure | $-4,174,000 | $-5,789,000 | $-6,005,000 | $-7,781,000 |
| Investing Cash Flow | $-38,384,000 | $-122,278,000 | $-130,748,000 | $-228,736,000 |
| Cash Flow From Continuing Investing Activities | $-38,384,000 | $-122,278,000 | $-130,748,000 | $-228,736,000 |
| Net Other Investing Changes | $-3,664,000 | $-8,440,000 | $-808,000 | $-8,213,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-4,336,000 | $-732,000 | $-43,000 | $-6,918,000 |
| Financing Cash Flow | $-21,379,000 | $200,733,000 | $83,028,000 | $232,593,000 |
| Cash Flow From Continuing Financing Activities | $-21,379,000 | $200,733,000 | $83,028,000 | $232,593,000 |
| Cash Dividends Paid | $-5,206,000 | $-5,202,000 | $-5,167,000 | $-4,038,000 |
| Preferred Stock Dividend Paid | $-2,156,000 | $-2,156,000 | $-2,156,000 | $-2,156,000 |
| Common Stock Dividend Paid | $-3,050,000 | $-3,046,000 | $-3,011,000 | $-1,882,000 |
| Net Common Stock Issuance | $-4,336,000 | $-732,000 | $-43,000 | $-6,918,000 |
| Issuance Of Capital Stock | - | - | - | - |
| Net Preferred Stock Issuance | - | - | - | - |
| Preferred Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-3,227,000 | $-15,000,000 | $-100,000,000 | - |
| Issuance Of Debt | $0 | $0 | $15,000,000 | $142,623,000 |
| Interest Paid Supplemental Data | $62,172,000 | $70,893,000 | $45,534,000 | $12,639,000 |
| Income Tax Paid Supplemental Data | $168,000 | $1,275,000 | $7,280,000 | $6,381,000 |
| End Cash Position | $162,756,000 | $207,708,000 | $114,513,000 | $130,600,000 |
| Beginning Cash Position | $207,708,000 | $114,513,000 | $130,600,000 | $93,199,000 |
| Changes In Cash | $-44,952,000 | $93,195,000 | $-16,087,000 | $37,401,000 |
| Common Stock Payments | $-4,336,000 | $-732,000 | $-43,000 | $-6,918,000 |
| Net Issuance Payments Of Debt | $-3,227,000 | $-15,000,000 | $-85,000,000 | $142,623,000 |
| Net Long Term Debt Issuance | $-3,227,000 | $-15,000,000 | $-85,000,000 | $142,623,000 |
| Long Term Debt Payments | $-3,227,000 | $-15,000,000 | $-100,000,000 | - |
| Long Term Debt Issuance | $0 | $0 | $15,000,000 | $142,623,000 |
| Net Investment Purchase And Sale | $2,257,000 | $4,660,000 | $3,961,000 | $28,014,000 |
| Sale Of Investment | $8,176,000 | $5,505,000 | $3,961,000 | $254,229,000 |
| Purchase Of Investment | $-5,919,000 | $-845,000 | $0 | $-226,215,000 |
| Net Intangibles Purchase And Sale | $0 | $-4,880,000 | $-5,508,000 | $-6,656,000 |
| Purchase Of Intangibles | $0 | $-4,880,000 | $-5,508,000 | $-6,656,000 |
| Net PPE Purchase And Sale | $-4,121,000 | $-714,000 | $-368,000 | $-1,125,000 |
| Sale Of PPE | $53,000 | $195,000 | $129,000 | $0 |
| Purchase Of PPE | $-4,174,000 | $-909,000 | $-497,000 | $-1,125,000 |
| Change In Working Capital | $-6,442,000 | $-3,865,000 | $-1,089,000 | $710,000 |
| Change In Other Current Liabilities | $-14,364,000 | $-150,000 | $-3,198,000 | $24,978,000 |
| Change In Other Current Assets | $11,129,000 | $-4,794,000 | $4,912,000 | $-22,407,000 |
| Change In Receivables | $-3,207,000 | $1,079,000 | $-2,803,000 | $-1,861,000 |
| Other Non Cash Items | $-848,000 | $-792,000 | $-421,000 | $-676,000 |
| Stock Based Compensation | $2,586,000 | $2,838,000 | $2,491,000 | $2,519,000 |
| Asset Impairment Charge | $0 | $19,721,000 | $0 | $70,000 |
| Deferred Tax | $-642,000 | $-4,528,000 | $-191,000 | $-894,000 |
| Deferred Income Tax | $-642,000 | $-4,528,000 | $-191,000 | $-894,000 |
| Depreciation Amortization Depletion | $4,940,000 | $4,634,000 | $2,745,000 | $2,579,000 |
| Depreciation And Amortization | $4,940,000 | $4,634,000 | $2,745,000 | $2,579,000 |
| Amortization Cash Flow | $0 | $447,000 | $0 | $0 |
| Amortization Of Intangibles | $0 | $447,000 | $0 | $0 |
| Depreciation | $4,940,000 | $4,187,000 | $2,745,000 | $2,579,000 |
| Gain Loss On Investment Securities | $0 | $48,000 | $0 | $-4,000 |
| Gain Loss On Sale Of PPE | $-53,000 | $-99,000 | $-129,000 | $0 |
| Net Income From Continuing Operations | $15,613,000 | $-9,980,000 | $26,585,000 | $26,674,000 |
Fetched: 2026-06-18