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MainStreet Bancshares
(NASDAQ:MNSB)
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Rating:70Outperform
Price Target:
$27.00
▲(8.43% Upside)
Action:Reiterated
Date:10/26/26
The score is driven primarily by improved financial performance (profitability and cash flow recovery with moderate leverage) and a supportive earnings outlook (steady NIM and targeted loan growth, backed by liquidity/capital). These positives are partially offset by mixed technical momentum (negative MACD and price below short-term averages) and ongoing credit/workout and funding-cost pressures highlighted on the earnings call.
Positive Factors
Recurring earnings improvement
Repeated quarterly growth in net interest income and a 3.55% net interest margin indicate improving core banking earnings. This supports durable profitability over the next several months, provided the bank can preserve asset yields and manage funding costs.
Negative Factors
Elevated problem assets
The sizable classified and nonaccrual loan balances create ongoing workout demands and uncertainty around recoveries. Even if eventual losses remain manageable, prolonged resolution can consume management resources, constrain lending capacity, and pressure future provisions.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring earnings improvement
Repeated quarterly growth in net interest income and a 3.55% net interest margin indicate improving core banking earnings. This supports durable profitability over the next several months, provided the bank can preserve asset yields and manage funding costs.
Read all positive factors
MainStreet Bancshares Key Performance Indicators (KPIs)
Any
Loan Portfolio Breakdown
Analyzes the composition of the company's loan portfolio, highlighting areas of lending focus and potential risk exposure. This insight helps assess credit risk management and growth opportunities in different lending segments.
Analyzes the composition of the company's loan portfolio, highlighting areas of lending focus and potential risk exposure. This insight helps assess credit risk management and growth opportunities in different lending segments.
Data provided by:
The Fly
The FlyMainStreet Bancshares (MNSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$151.11M
Dividend Yield1.89%
Average Volume (3M)29.67K
Price to Earnings (P/E)10.9
Beta (1Y)0.56
Revenue Growth-5.53%
EPS GrowthN/A
CountryUS
Employees171
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.03
Shares Outstanding7,121,076
10 Day Avg. Volume35,757
30 Day Avg. Volume29,671
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 Cap1.62
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit3.38
Enterprise Value/Ebitda9.64
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
MainStreet Bancshares Business Overview & Revenue Model
Company Description
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 ser...
How the Company Makes Money
MainStreet Bancshares makes money primarily through the earnings of its subsidiary bank. The core revenue model is typical of commercial banks: (1) Net interest income: the bank earns interest and fees on loans (e.g., commercial real estate, comme...
MainStreet Bancshares Earnings Call Summary
Earnings Call Date:Jul 20, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Jan 21, 2027
Earnings Call Sentiment Positive
The call presented multiple positive operational and financial trends: EPS improvement to $0.58, net interest income growth (>4% q/q), NIM expansion to 3.53%, loan growth (4% q/q, 5% YTD), strong liquidity ($810M available, covering 42% of deposits), capital resilience with post-stress CET1 above regulatory thresholds, and share buybacks contributing to a 9% YoY book value increase. Challenges were acknowledged and managed: a meaningful pool of classified and nonaccrual loans ($54.4M classified performing, $61.3M nonaccrual), two large cases tied up in court, expected deposit pricing pressure and modest funding cost headwinds, and temporary throttling of buybacks due to CRE concentration. Overall, the positives (earnings momentum, margin stability, liquidity and capital strength, loan growth and long-term low loss history) outweigh the manageable credit and funding challenges highlighted by management.Positive Updates
Earnings per Share and Net Interest Income Growth
EPS increased to $0.58 for the quarter while net interest income grew over 4% quarter-over-quarter, marking the third straight quarter of net interest income expansion.
Negative Updates
Nonperforming and Classified Assets
Management is working toward resolution for 8 performing relationships and 13 nonperforming relationships. Current workout positions include $54.4 million in classified performing loans, $61.3 million in classified nonaccruals and $0.9 million in other real estate owned assets.
Read all updates
Q2-2026 Updates
Positive
Negative
Earnings per Share and Net Interest Income Growth
EPS increased to $0.58 for the quarter while net interest income grew over 4% quarter-over-quarter, marking the third straight quarter of net interest income expansion.
Read all positive updates
Company Guidance
Guidance from the call: management is targeting 5–7% loan growth for 2026 (Q2 loan growth >4%; portfolio YTD +5%), expects net interest margin to hold roughly steady around 3.53% with only single‑digit basis‑point movement through year‑end despite modest funding cost pressure, and plans to keep operating expenses at current levels through 2026; other key metrics called out include Q2 EPS $0.58, ROAA 0.85%, ROTCE 8.88%, tangible book $26.30 (shares trading at 94% of TBV), total assets ~ $2.2B, available liquidity >$810M covering 42% of deposits, loan mix 42% fixed / 58% floating (many repricing within two quarters), owner‑occupied CRE growth +$97M YoY, 88% of construction loans with bank‑held interest reserves, classified performing loans $54.4M, classified nonaccruals $61.3M, OREO $0.9M, lifetime net charge‑offs $12.6M, repurchased 207,000 shares last quarter at an average $24.09 with ~ $5M left in the current buyback, a pre/post‑stress CET1 ratio that remains well above the 7% well‑capitalized threshold, and an expectation of only modest, non‑material charge‑offs while working to resolve current nonperformers.MainStreet Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
76
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 130.82M | 135.89M | 137.87M | 127.76M | 88.68M | 70.31M |
| Gross Profit | 72.22M | 73.92M | 59.06M | 78.44M | 72.91M | 60.82M |
| EBITDA | 25.37M | 24.03M | -9.27M | 35.57M | 35.97M | 30.32M |
| Net Income | 17.34M | 15.61M | -9.98M | 26.59M | 26.67M | 22.17M |
Balance Sheet | ||||||
| Total Assets | 2.24B | 2.21B | 2.23B | 2.04B | 1.93B | 1.65B |
| Cash, Cash Equivalents and Short-Term Investments | 30.13M | 26.85M | 48.92M | 113.51M | 111.56M | 161.74M |
| Total Debt | 70.10M | 69.94M | 73.04M | 87.64M | 172.25M | 29.29M |
| Total Liabilities | 2.03B | 1.99B | 2.02B | 1.81B | 1.73B | 1.46B |
| Stockholders Equity | 214.44M | 218.59M | 207.99M | 221.52M | 198.28M | 188.79M |
Cash Flow | ||||||
| Free Cash Flow | 23.22M | 10.64M | 8.95M | 25.63M | 25.76M | 24.82M |
| Operating Cash Flow | 23.71M | 14.81M | 14.74M | 31.63M | 33.54M | 29.12M |
| Investing Cash Flow | -161.25M | -38.38M | -122.28M | -130.75M | -228.74M | -29.25M |
| Financing Cash Flow | 113.53M | -21.38M | 200.73M | 83.03M | 232.59M | -14.20M |
MainStreet Bancshares Technical Analysis
Negative
24.90
Price Trends
24.78
Negative
24.39
Negative
23.29
Negative
Market Momentum
-0.42
Positive
24.03
Positive
49.37
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNSB, the sentiment is Negative. The current price of 24.9 is above the 20-day moving average (MA) of 24.36, above the 50-day MA of 24.78, and above the 200-day MA of 23.29, indicating a bearish trend. The MACD of -0.42 indicates Positive momentum. The RSI at 24.03 is Positive, neither overbought nor oversold. The STOCH value of 49.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MNSB.
MainStreet Bancshares Risk Analysis
MainStreet Bancshares disclosed 45 risk factors in its most recent earnings report. MainStreet Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MainStreet Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $215.48M | 11.26 | 13.85% | 1.94% | 10.53% | 29.70% | |
70 Outperform | $151.11M | 10.94 | 8.00% | 1.89% | -5.53% | ― | |
69 Neutral | $193.33M | 9.46 | 12.49% | 2.62% | 3.33% | 22.98% | |
68 Neutral | $222.94M | 11.76 | 10.09% | 1.05% | -0.39% | 4.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $185.00M | 14.18 | 6.96% | 0.70% | 1.48% | 43.50% | |
62 Neutral | $218.96M | 15.13 | 6.77% | 1.39% | 1.78% | -18.19% |
* Financial Sector Average
MNSB
MainStreet Bancshares
21.22
2.24
11.82%
CFBK
CF Bankshares
34.34
10.83
46.07%
CZWI
Citizens Community Bancorp
22.69
7.04
45.01%
FCAP
First Capital
64.43
23.28
56.58%
LARK
Landmark Bancorp
31.69
7.95
33.50%
BVFL
BV Financial, Inc.
21.84
5.59
34.40%
MainStreet Bancshares Corporate Events
Business Operations and StrategyFinancial Disclosures
MainStreet Bancshares Highlights Solid Q3 2026 Earnings
Positive
Oct 26, 2026
MainStreet Bancshares, Inc., the holding company for MainStreet Bank, serves business and professional clients in the Washington, D.C. metropolitan area through seven branches and a broad digital platform. The bank emphasizes relationship banking ...
Business Operations and StrategyFinancial Disclosures
MainStreet Bancshares Schedules Q3 Earnings Webcast
Neutral
Oct 20, 2026
On October 20, 2026, MainStreet Bancshares, Inc. announced plans to hold a virtual webcast and quarterly earnings conference call on Monday, October 26, 2026, at 2:00 p.m. Eastern Time to review its third quarter results. During the call, the comp...
Dividends
MainStreet Bancshares Declares Quarterly Series A Preferred Dividend
Positive
Aug 21, 2026
On August 21, 2026, MainStreet Bancshares, Inc.’s board declared a quarterly cash dividend on its 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, tied to 1,150,000 outstanding depositary shares issued in September 2020 wi...
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.