MainStreet Bancshares Inc (DE:5L0)
FRANKFURT:5L0
5L0 Stock Chart & Stats
€15.10
-€0.30(-2.05%)
At close: 4:00 PM EST
€15.10
-€0.30(-2.05%)
Day’s Range― - ―
52-Week Range€13.60 - €21.20
Previous CloseN/A
Volume0.00
Average Volume (3M)7.00
Market Cap
€142.42M
Enterprise Value€64.84M
Total Cash (Recent Filing)€245.92M
Total Debt (Recent Filing)€70.03M
Price to Earnings (P/E)9.8
Beta0.55
Next Earnings
Jul 27, 2026EPS Estimate
0.45Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.99
Shares Outstanding7,117,438
10 Day Avg. Volume21
30 Day Avg. Volume7
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.71
Price to Sales (P/S)1.15
P/FCF Ratio14.65
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.94
Revenue Forecast (FY)€73.81M
Bulls Say, Bears Say
Bulls Say
Strong Liquidity And CapitalMaterial increase in secured liquidity (now covering >42% of deposits) and an 11% post-stress CET1 ratio provide a durable capital and funding buffer. This supports lending capacity, stress resilience and the ability to pursue growth or capital returns without immediate external financing.
Net Interest Margin RecoverySustained NIM improvement and higher net interest income signal structural margin repair from deposit repricing and asset mix shifts. A consistent multi-quarter core NIM provides a dependable base for earnings generation as funding costs normalize over the medium term.
Disciplined Capital AllocationA deliberate $10M repurchase authorization plus executed buybacks shows management prioritizes accretive capital deployment when capital and liquidity permit. This offers long-term per-share value support and signals confidence in earnings sustainability and balance-sheet strength.
Bears Say
Revenue ContractionPersistent negative TTM revenue growth limits operating leverage and constrains margin expansion potential. Slower top-line momentum makes earnings more reliant on margin improvements and cost control, increasing execution risk if interest or deposit dynamics reverse.
Concentrated Credit StressCredit metrics skewed by a few large relationships raise loss volatility risk. Concentration in nonaccruals can produce episodic charge-offs and requires sustained workout success, tempering confidence in credit stability despite low current net charge-offs.
Higher Funding Cost Vs. PeersStructurally higher deposit/funding costs relative to peers compress long-term NIM and limit margin upside. In a competitive D.C. market, slower funding-cost relief reduces net interest income durability and constrains pricing flexibility for loans and deposits.
MainStreet Bancshares News
5L0 FAQ
What was MainStreet Bancshares Inc’s price range in the past 12 months?
MainStreet Bancshares Inc lowest stock price was €13.60 and its highest was €21.20 in the past 12 months.
What is MainStreet Bancshares Inc’s market cap?
MainStreet Bancshares Inc’s market cap is €142.42M.
When is MainStreet Bancshares Inc’s upcoming earnings report date?
MainStreet Bancshares Inc’s upcoming earnings report date is Jul 27, 2026 which is in 53 days.
How were MainStreet Bancshares Inc’s earnings last quarter?
MainStreet Bancshares Inc released its earnings results on Apr 20, 2026. The company reported €0.409 earnings per share for the quarter, beating the consensus estimate of €0.384 by €0.026.
Is MainStreet Bancshares Inc overvalued?
According to Wall Street analysts MainStreet Bancshares Inc’s price is currently Overvalued.
Does MainStreet Bancshares Inc pay dividends?
MainStreet Bancshares Inc does not currently pay dividends.
What is MainStreet Bancshares Inc’s EPS estimate?
MainStreet Bancshares Inc’s EPS estimate is 0.45.
How many shares outstanding does MainStreet Bancshares Inc have?
MainStreet Bancshares Inc has 7,117,438 shares outstanding.
What happened to MainStreet Bancshares Inc’s price movement after its last earnings report?
MainStreet Bancshares Inc reported an EPS of €0.409 in its last earnings report, beating expectations of €0.384. Following the earnings report the stock price went up 3.283%.
Which hedge fund is a major shareholder of MainStreet Bancshares Inc?
Currently, no hedge funds are holding shares in DE:5L0
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
MainStreet Bancshares Stock Smart Score
Neutral
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5
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7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
14.02%
12-Months-Change
Fundamentals
Return on Equity
7.98%
Trailing 12-Months
Asset Growth
0.02%
Trailing 12-Months
Company Description
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. The company 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, remote deposit capture, and courier services. It also provides commercial loans, including 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, the company provides deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. As of March 18, 2022, it operated six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as 55,000 automated teller machines. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia.
5L0 Company Deck
5L0 Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple operational and financial positives: EPS accretion, NII growth (+5%), margin expansion, strengthened liquidity (+$76M to $663M) and low net charge-offs ($259k). Management also highlighted targeted loan growth (3%–5%), successful deposit optimization (64 bps reduction in funding cost) and an accretive buyback program. Lowlights were largely manageable or one-time in nature—an OREO loss ($685k), higher modeled stress losses ($69.5M worst-case), modest classified/nonaccrual ratios (~3%), continued competitive funding pressures, and some NIM volatility from nonrecurring interest items. On balance the positives around margin stability, liquidity, capital strength (post-stress CET1 11%) and accretive capital deployment outweigh the challenges.View all DE:5L0 earnings summariesTechnical Analysis
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Options Prices
Currently, No data available
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