MainStreet Bancshares stock analysis
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MainStreet Bancshares (MNSB) Stock Price & Analysis
MNSB Stock Chart & Stats
- Day’s Range
- $21.26 - $21.80
- 52-Week Range
- $18.15 - $25.87
- Previous Close
- $21.72
- Volume
- N/A
- Average Volume (3M)
- 36.08K
- Market Cap
- $154.59M
- Enterprise Value
- $245.35M
- Total Cash (Recent Filing)
- $164.77M
- Total Debt (Recent Filing)
- $70.16M
- Price to Earnings (P/E)
- 11.1
- Beta
- 0.51
- Next Earnings
- Jan 21, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Nov 10, 2026
- Dividend Yield
- 1.86%
Bulls Say, Bears Say
Bulls Say
Net Interest Income And Margin Resilience
Sustained net interest income growth and a 3.55% margin indicate that core banking earnings are improving despite funding pressure. Continued loan repricing should support asset yields, helping preserve earnings momentum over the next several quarters.
Strong Core Deposit Franchise
A high core-deposit mix and growth in noninterest-bearing balances provide a relatively stable funding base for lending and can moderate interest expense. The relationship-banking model therefore supports recurring customer ties and protects the bank's funding structure over time.
Capital And Liquidity Strength
Strong post-stress capital and substantial available funding give MainStreet capacity to absorb credit volatility while continuing normal banking operations. This financial flexibility supports confidence in liquidity management and preserves room to pursue relationship-driven loan growth.
Bears Say
Elevated Credit And Nonperforming-loan Exposure
The new nonperforming loan and sizable classified balances create a material risk to future earnings through additional provisions, charge-offs, and slower asset growth. Ongoing appraisal and workout uncertainty could keep credit costs elevated across coming quarters.
Rising Deposit Costs Constrain Growth
Higher deposit costs can compress the spread between loan yields and funding expenses, limiting the benefit of asset repricing. If competitively priced deposits remain difficult to obtain, balance-sheet expansion and the bank's targeted loan growth may also be constrained.
Returns Remain Below Long-term Targets
Current returns remain below management's stated profitability objectives, showing that the recent recovery has not yet restored the bank's desired earnings efficiency. Closing this gap may depend on sustained margin gains, disciplined expenses, and lower credit costs.
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MainStreet Bancshares Stock Smart Score
Company Description
MainStreet Bancshares
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Jeff W. Dick
- Employees
- 164
- Website
- www.mstreetbank.com
- Address
- 10089 Fairfax Boulevard, Fairfax, VA, 22030, US
MainStreet Bancshares (MNSB) Earnings & Revenues
MNSB Company Deck
MNSB Earnings Call
Earnings Call SentimentNeutral
The call presented a strong underlying operating performance, including a 3.55% net interest margin, fourth consecutive quarter of net interest income growth, 5% year-to-date loan growth, substantial liquidity and strong stress-tested capital. However, these positives were offset by a $1.9 million credit provision, a newly nonperforming $28.8 million loan, elevated classified and nonaccrual assets, ongoing workout activity and continued funding-cost pressure. Management remained confident in its credit-management process, but the combination of solid core performance and material credit challenges made the overall tone balanced.
View all MNSB earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 2 | 4 | 16 |
| Technical Analysis | 2 | 4 | 4 |
| Moving Averages | 0 | 0 | 12 |
