MainStreet Bancshares, Inc. MNSB R2K
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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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
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).
| # | Name | CMP $ | P/E | Mkt Cap | Div 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% |
Quarterly Results
Figures in USD.
| Metric | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | 621.00K | 642.00K | 611.00K | 597.00K | 601.00K | 590.00K | 535.00K | 514.00K | 469.00K | 490.00K | - | - | 17.45M | 19.86M | 18.08M | 18.04M | 17.90M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 16.42M | 16.33M | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 16.45M | 15.50M | 15.36M | 14.73M | 13.72M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.13M | 5.65M | 5.41M | 4.89M | 5.36M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 682.00K | 1.06M | 896.00K | 837.00K | 1.26M |
| Net Income | 1.69M | 1.50M | 2.35M | 3.25M | 3.43M | 3.71M | 3.47M | -634.00K | 5.17M | 5.45M | 7.13M | 4.78M | 5.42M | 5.93M | 7.74M | 8.15M | 6.95M | 6.34M | 3.31M | 2.62M | - | - | 2.45M | 4.59M | 4.52M | 4.05M | 4.10M |
| Diluted EPS | 0.29 | 0.26 | 0.35 | 0.39 | 0.42 | 0.45 | 0.42 | -0.08 | 0.63 | 0.65 | 0.87 | 0.56 | 0.64 | 0.71 | 0.97 | 1.01 | 0.85 | 0.77 | 0.36 | 0.27 | - | - | 0.25 | 0.53 | 0.52 | 0.46 | 0.48 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | 2.43M | 75.31M | 80.08M | 65.83M | 73.30M |
| Cost of Revenue | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | 13.37M | 47.68M | 72.04M | 62.04M |
| Pretax Income | - | - | - | - | 33.39M | 32.82M | -13.90M | 19.09M |
| Tax Provision | - | - | - | - | 6.71M | 6.24M | -3.92M | 3.48M |
| Net Income | 9.21M | 13.95M | 15.72M | 22.17M | 26.67M | 26.59M | -9.98M | 15.61M |
| Diluted EPS | 1.38 | 1.69 | 1.85 | 2.65 | 3.26 | 3.25 | -1.60 | 1.76 |
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 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 1.10B | 1.28B | 1.64B | - | 1.93B | 2.04B | 2.23B | 2.21B |
| Current Assets | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | - | - | - | 48.93M | 53.58M | 23.06M | 26.45M |
| Inventory | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | 9.58M | 12.39M | 11.31M | 14.52M |
| Total Liabilities | - | 979.36M | 1.14B | 1.48B | - | 1.73B | 1.81B | 2.02B | 1.99B |
| Current Liabilities | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | 172.25M | 72.64M | 73.04M | 69.94M |
| Total Debt | - | - | - | - | - | 172.25M | 72.64M | 73.04M | 69.94M |
| Total Equity | 68.80M | 121.25M | 137.03M | 167.66M | - | 198.28M | 221.52M | 207.99M | 218.59M |
| Shares Outstanding | - | - | - | - | - | 7.44M | 7.53M | 7.60M | 7.50M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 12.59M | 16.69M | 17.02M | - | 33.54M | 31.63M | 14.74M | 14.81M |
| Investing Cash Flow | -273.42M | -161.41M | -313.79M | - | -228.74M | -130.75M | -122.28M | -38.38M |
| Financing Cash Flow | 281.41M | 151.49M | 339.45M | - | 232.59M | 83.03M | 200.73M | -21.38M |
| Capital Expenditure | -1.38M | -990.00K | -1.28M | - | -7.78M | -6.00M | -5.79M | -4.17M |
| Free Cash Flow | 11.22M | 15.70M | 15.73M | - | 25.76M | 25.63M | 8.95M | 10.64M |
| Net Change in Cash | - | - | - | - | 37.40M | -16.09M | 93.19M | -44.95M |
| Share Buybacks | - | - | 13.80M | 0 | 6.92M | 43.00K | 732.00K | 4.34M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 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 |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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