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MNSB Stock Chart & Stats
$23.45
-$0.07(-0.30%)
At close: 4:00 PM EDT
$23.45
-$0.07(-0.30%)
Day’s Range― - ―
52-Week Range$17.86 - $25.29
Previous Close$23.38
Volume30.10K
Average Volume (3M)31.87K
Market Cap
$171.53M
Enterprise Value$244.44
Total Cash (Recent Filing)$30.13M
Total Debt (Recent Filing)$70.10M
Price to Earnings (P/E)11.9
Beta0.55
Next Earnings
Oct 20, 2026EPS Estimate
0.58Next Dividend Ex-DateN/A
Dividend Yield1.66%
Share Statistics
EPS (TTM)2.03
Shares Outstanding7,117,438
10 Day Avg. Volume21,887
30 Day Avg. Volume31,869
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.71
Price to Sales (P/S)1.15
P/FCF Ratio14.65
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.26
Revenue Forecast (FY)$85.70M
Bulls Say, Bears Say
Bulls Say
Profitability & Cash GenerationThe company returned to positive reported earnings (TTM net income $17.3M) with materially stronger free cash flow ($24.3M) and FCF roughly tracking net income. This durable cash generation improves ability to fund lending, capital returns, and loss absorption without recurring reliance on wholesale financing.
Liquidity & Capital StrengthSignificant secured lines ($663M, +$76M) covering >42% of deposits and an 11% post-stress CET1 ratio provide a persistent capital and liquidity buffer. This structural resilience supports lending activity, regulatory flexibility, and prudent capital deployment through cycles over the next 2–6 months.
Deposit Optimization & Margin RecoverySustained deposit optimization (funding cost down ~64 bps) and a higher share of interest-bearing deposits improved funding stability. Combined with a core NIM near 3.5% this indicates structurally stronger net interest income potential and less sensitivity to short-term funding shocks.
Bears Say
Top-line StagnationRevenue has softened year-over-year and TTM top-line trends are slightly negative, constraining operating leverage. Limited top-line growth reduces room to expand operating margins and may slow the pace at which balance-sheet scale and profitability improvements materialize over coming quarters.
Asset-Quality ConcentrationElevated classified loans and nonaccruals, concentrated in a small number of relationships, heighten downside risk if workouts deteriorate. Concentration in CRE and a worst-case modeled loss ($69.5M) underline structural credit sensitivity that could pressure earnings and capital under stress scenarios.
Earnings Volatility & Limited Balance-Sheet GrowthHistorical earnings swings (notably 2024) and broadly flat assets signal limited scale and recurring volatility. Without sustained loan and deposit growth, ROE and earnings durability may remain sensitive to credit cycles and one-time items, constraining predictable multi-quarter improvement.
MainStreet Bancshares News
MNSB FAQ
What was MainStreet Bancshares Inc’s price range in the past 12 months?
MainStreet Bancshares Inc lowest stock price was $17.86 and its highest was $25.29 in the past 12 months.
What is MainStreet Bancshares Inc’s market cap?
MainStreet Bancshares Inc’s market cap is $171.53M.
When is MainStreet Bancshares Inc’s upcoming earnings report date?
MainStreet Bancshares Inc’s upcoming earnings report date is Oct 20, 2026 which is in 71 days.
How were MainStreet Bancshares Inc’s earnings last quarter?
MainStreet Bancshares Inc released its earnings results on Jul 20, 2026. The company reported $0.58 earnings per share for the quarter, beating the consensus estimate of $0.53 by $0.05.
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 pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.66%. See more information on MainStreet Bancshares Inc dividends here
What is MainStreet Bancshares Inc’s EPS estimate?
MainStreet Bancshares Inc’s EPS estimate is 0.58.
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 $0.58 in its last earnings report, beating expectations of $0.53. Following the earnings report the stock price went up 1.621%.
Which hedge fund is a major shareholder of MainStreet Bancshares Inc?
Currently, no hedge funds are holding shares in MNSB
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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Blogger Sentiment
Neutral
MNSB Sentiment 67%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $104.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
0.86%
12-Months-Change
Fundamentals
Return on Equity
1.66%
Trailing 12-Months
Asset Growth
6.07%
Trailing 12-Months
Company Description
MainStreet Bancshares Inc
MainStreet Bancshares, Inc. operates as the parent entity for MainStreet Bank, which delivers a comprehensive suite of financial products and services. Its diverse offerings cater to individuals, small to mid-sized businesses, and professional service organizations. The bank provides various deposit accounts, including checking (both standard and interest-bearing, for consumers and businesses), savings, money market, NOW, sweep accounts, and certificates of deposit. Beyond core banking, it offers cash management, wire transfer, check imaging, remote deposit capture, and courier services, alongside internet bill payment and robust online and mobile banking solutions. Lending activities encompass commercial loans for government contracts, plant and equipment, general working capital, contract administration, and acquisitions. Furthermore, MainStreet Bank extends financing for commercial, construction, and residential real estate, as well as consumer loans such as term loans and overdraft protection. Debit and credit cards are also available. Incorporated in 2003 and based in Fairfax, Virginia, the company maintained six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., and supported access to 55,000 automated teller machines as of March 18, 2022.
MNSB Company Deck
MNSB Earnings Call
Q2 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 MNSB earnings summariesTechnical Analysis
CF Bankshares
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Citizens Community Bancorp
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First Capital
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Landmark Bancorp
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BV Financial, Inc.
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Ownership Overview
9.82% Insiders
9.88% Mutual Funds
0.99% Other Institutional Investors
67.91% Public Companies and
Individual Investors