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MainStreet Bancshares, Inc. MNSB R2K

Financial Services · Banks - Regional · United States
https://mstreetbank.com

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.

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$22.89
+23.39% 1Y

Market & Price

Market Cap
$162.91M
Current Price
$22.89
High / Low (52W)
$24.65 / $17.66
Beta
0.55

Valuation

Stock P/E
11.50
Industry PE
12.01
Forward P/E
9.46
PEG Ratio
-
Book Value
$26.59
Price to Book
0.86
P/S
2.20
EV/EBITDA
-
Dividend Yield
1.75%

Profitability & Returns

ROCE
-
ROE
8.13%
ROA
0.78%
Profit Margin
23.32%
Op Margin
33.10%
EPS (Latest Qtr)
$0.48
EPS (TTM)
$1.99

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$80.14M
Total Assets
$2.21B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
16.34%
Chg in Prom Hold
-
FII / Inst Holding
60.38%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$86.09M
Total Revenue (TTM)
$74.01M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$19.96M
Shares Outstanding
7.12M
Gross Margin
0.00%
Payout Ratio
20.10%

Growth (CAGR)

Revenue 5Y
-0.90%
Profit 5Y
-16.35%
Revenue (YoY)
3.70%
Earnings (YoY)
90.30%

PROS

  • Excellent profit margin of 23.3%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -0.9% CAGR over 5 years.
  • Earnings shrank at -16.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MNSB MainStreet Bancshares, Inc. R2K 22.89 11.50 $162.91M 1.75% - 8.13% -0.90% -16.35%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ----------621.00K642.00K611.00K597.00K601.00K590.00K535.00K514.00K469.00K490.00K--17.45M19.86M18.08M18.04M17.90M
Cost of Revenue ---------------------------
Gross Profit ------------------16.42M16.33M-------
Operating Expenses ---------------------------
Operating Income ---------------------------
EBITDA ---------------------------
Interest Expense ----------------------16.45M15.50M15.36M14.73M13.72M
Pretax Income ----------------------3.13M5.65M5.41M4.89M5.36M
Tax Provision ----------------------682.00K1.06M896.00K837.00K1.26M
Net Income 1.69M1.50M2.35M3.25M3.43M3.71M3.47M-634.00K5.17M5.45M7.13M4.78M5.42M5.93M7.74M8.15M6.95M6.34M3.31M2.62M--2.45M4.59M4.52M4.05M4.10M
Diluted EPS 0.290.260.350.390.420.450.42-0.080.630.650.870.560.640.710.971.010.850.770.360.27--0.250.530.520.460.48

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---2.43M75.31M80.08M65.83M73.30M
Cost of Revenue --------
Gross Profit --------
Operating Expenses --------
Operating Income --------
EBITDA --------
Interest Expense ----13.37M47.68M72.04M62.04M
Pretax Income ----33.39M32.82M-13.90M19.09M
Tax Provision ----6.71M6.24M-3.92M3.48M
Net Income 9.21M13.95M15.72M22.17M26.67M26.59M-9.98M15.61M
Diluted EPS 1.381.691.852.653.263.25-1.601.76

Compounded Sales Growth

5 Years:-0.90%
1 Year:3.70%

Compounded Profit Growth

5 Years:-16.35%
1 Year:90.30%

Stock Price Performance

1 Year:+23.39%
6 Months:+18.82%
3 Months:+3.54%
1 Month:-3.62%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.10B1.28B1.64B-1.93B2.04B2.23B2.21B
Current Assets ---------
Cash & Equivalents -----48.93M53.58M23.06M26.45M
Inventory ---------
Receivables -----9.58M12.39M11.31M14.52M
Total Liabilities -979.36M1.14B1.48B-1.73B1.81B2.02B1.99B
Current Liabilities ---------
Long Term Debt -----172.25M72.64M73.04M69.94M
Total Debt -----172.25M72.64M73.04M69.94M
Total Equity 68.80M121.25M137.03M167.66M-198.28M221.52M207.99M218.59M
Shares Outstanding -----7.44M7.53M7.60M7.50M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 12.59M16.69M17.02M-33.54M31.63M14.74M14.81M
Investing Cash Flow -273.42M-161.41M-313.79M--228.74M-130.75M-122.28M-38.38M
Financing Cash Flow 281.41M151.49M339.45M-232.59M83.03M200.73M-21.38M
Capital Expenditure -1.38M-990.00K-1.28M--7.78M-6.00M-5.79M-4.17M
Free Cash Flow 11.22M15.70M15.73M-25.76M25.63M8.95M10.64M
Net Change in Cash ----37.40M-16.09M93.19M-44.95M
Share Buybacks --13.80M06.92M43.00K732.00K4.34M

Ratios (Annual)

Figures in %.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --------
Operating Margin % --------
Net Margin % ---913.9%35.4%33.2%-15.2%21.3%
ROE % 7.6%10.2%9.4%-13.5%12.0%-4.8%7.1%
ROCE % --------

Shareholding Pattern

Insiders
16.34%
Institutions
60.38%
Public Float
72.17%

Top Institutional Holders

#Holder% HeldSharesValue
1 Alliancebernstein L.P. 6.72% 554.72K $12.70M
2 BANC FUNDS CO LLC 6.44% 530.94K $12.15M
3 Fourthstone LLC 4.66% 384.80K $8.81M
4 Wellington Management Group, LLP 4.28% 352.71K $8.07M
5 Blackrock Inc. 4.21% 347.61K $7.96M
6 Vanguard Capital Management LLC 3.65% 301.49K $6.90M
7 First Manhattan Co. LLC 2.28% 188.11K $4.31M
8 Dimensional Fund Advisors LP 2.02% 166.63K $3.81M
9 Geode Capital Management, LLC 1.78% 147.17K $3.37M
10 Acadian Asset Management. LLC 1.62% 133.98K $3.07M

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