Main Street Financial Services Corp (MSWV)
OTHER OTC:MSWV
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Main Street Financial Services
(OTC:MSWV)
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Rating:69Neutral
Price Target:
$20.00
▲(15.61% Upside)
Action:Downgraded
Date:04/04/26
The score is driven primarily by solid financial performance in 2025 (margin/ROE and cash generation rebound) and a supportive valuation (low P/E with a dividend). This is tempered by technical weakness in the near term (below 20/50-day averages with negative MACD) and the company’s demonstrated earnings/leverage volatility.
Positive Factors
Balance-sheet leverage improvement
A material reduction in debt-to-equity enhances funding resilience and lowers credit risk, giving the bank more capacity to absorb shocks and support lending or capital returns. This durable improvement strengthens financial flexibility and reduces refinancing pressure over the coming months.
Negative Factors
Earnings and leverage volatility
Significant year-over-year swings in profitability and leverage reflect sensitivity to the credit and rate cycle typical for regional banks. That volatility raises forecasting risk, may pressure capital planning and dividend reliability, and can amplify downside in stressed scenarios.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-sheet leverage improvement
A material reduction in debt-to-equity enhances funding resilience and lowers credit risk, giving the bank more capacity to absorb shocks and support lending or capital returns. This durable improvement strengthens financial flexibility and reduces refinancing pressure over the coming months.
Read all positive factors
Main Street Financial Services (MSWV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$156.57M
Dividend Yield3.2%
Average Volume (3M)2.15K
Price to Earnings (P/E)8.8
Beta (1Y)0.31
Revenue Growth21.02%
EPS Growth261.43%
CountryUS
Employees110
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.79
Shares Outstanding7,801,011
10 Day Avg. Volume385
30 Day Avg. Volume2,149
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)1.05
Price to Sales (P/S)1.55
P/FCF Ratio7.21
Enterprise Value/Market Cap0.86
Enterprise Value/Revenue1.63
Enterprise Value/Gross Profit2.71
Enterprise Value/Ebitda7.78
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Main Street Financial Services Business Overview & Revenue Model
Company Description
Main Street Financial Services Corp. operates as the parent holding company for Main Street Bank Corp., through which it delivers a comprehensive suite of banking and financial services. Its core offerings encompass fundamental checking and saving...
How the Company Makes Money
null...
Main Street Financial Services Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 82.65M | 87.24M | 64.49M | 38.11M | 22.78M | 21.57M |
| Gross Profit | 49.70M | 52.84M | 36.83M | 25.19M | 20.07M | 18.44M |
| EBITDA | 17.29M | 24.44M | 7.78M | 10.42M | 7.50M | 7.41M |
| Net Income | 13.94M | 16.75M | 4.70M | 7.83M | 5.56M | 5.42M |
Balance Sheet | ||||||
| Total Assets | 1.45B | 1.50B | 1.41B | 809.95M | 603.79M | 607.43M |
| Cash, Cash Equivalents and Short-Term Investments | 52.38M | 61.62M | 54.42M | 20.88M | 33.12M | 69.14M |
| Total Debt | 82.24M | 22.43M | 117.44M | 47.00M | 19.59M | 22.19M |
| Total Liabilities | 1.33B | 1.37B | 1.30B | 756.98M | 555.68M | 558.48M |
| Stockholders Equity | 116.56M | 128.72M | 110.64M | 52.97M | 48.10M | 48.95M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 18.77M | 7.20M | 6.75M | 3.21M | 2.46M |
| Operating Cash Flow | 0.00 | 19.37M | 7.51M | 6.95M | 4.63M | 5.46M |
| Investing Cash Flow | 0.00 | -75.96M | -16.45M | -67.80M | -34.62M | -66.14M |
| Financing Cash Flow | 0.00 | 63.79M | 42.48M | 67.95M | -6.03M | 91.66M |
Main Street Financial Services Technical Analysis
Positive
17.30
Price Trends
19.23
Positive
18.91
Positive
17.67
Positive
Market Momentum
0.23
Negative
77.65
Negative
90.21
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 17.3 is below the 20-day moving average (MA) of 19.69, below the 50-day MA of 19.23, and below the 200-day MA of 17.67, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 77.65 is Negative, neither overbought nor oversold. The STOCH value of 90.21 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $144.39M | 8.90 | 11.60% | 2.69% | 12.40% | 50.07% | |
70 Outperform | $138.20M | 30.06 | 2.44% | 0.88% | 15.21% | 2015.08% | |
70 Outperform | $137.32M | 15.63 | 6.95% | ― | 4.88% | 53.05% | |
69 Neutral | $156.57M | 8.77 | 12.53% | 3.20% | 21.02% | 261.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $196.48M | 19.12 | 7.42% | ― | 36.10% | ― | |
54 Neutral | $115.56M | 54.86 | 1.47% | ― | 23.30% | ― |
* Financial Sector Average
MSWV
Main Street Financial Services
20.07
7.51
59.84%
SBFG
SB Financial Group
23.01
5.90
34.44%
AFBI
Affinity Bancshares
22.53
4.00
21.59%
RBKB
Rhinebeck Bancorp
17.59
6.06
52.56%
BSBK
Bogota Financial
8.99
1.13
14.38%
SRBK
SR Bancorp, Inc.
18.83
6.16
48.61%
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.