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Main Street Financial Services (MSWV) AI Stock Analysis
Main Street Financial Services
(Other OTC:MSWV)
The company's fundamentals are a significant strength, driven by rapid revenue growth, strong cash flow, and a conservative balance sheet. However, the overall score is heavily constrained by extreme technical overbought conditions, which present a major near-term risk. The attractive valuation provides a moderate buffer, but the technical headwinds are the most influential factor capping the score.
Main Street Financial Services (MSWV) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $219.64M
- Dividend Yield
- 2.14%
- Average Volume (3M)
- 6,423
- Price to Earnings (P/E)
- 9.8
- Beta (1Y)
- 0.27
- Revenue Growth
- 12.44%
- EPS Growth
- 48.11%
- Country
- US
- Employees
- 110
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 savings a...
How the Company Makes Money
MSWV makes money primarily through the banking activities of its subsidiary, Main Street Bank. The core revenue stream is net interest income: the bank earns interest and fees on loans (e.g., commercial, consumer, and real estate loans) and on its in...
Main Street Financial Services Financial Statement Overview
Summary
Strong financial health with a 50%+ revenue CAGR, healthy net margin of 19.2%, and a conservative debt-to-equity of 0.17. Operating cash flow of $19.4M exceeds net income, demonstrating excellent cash conversion. ROE of 13.0% indicates efficient capital use.
Income Statement
85Very PositiveBalance Sheet
88Very PositiveCash Flow
85Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 92.11M | 87.24M | 64.49M | 38.11M | 22.78M | 21.57M |
| Gross Profit | 57.22M | 52.84M | 36.83M | 25.19M | 20.07M | 18.44M |
| EBITDA | 25.82M | 24.44M | 7.78M | 10.42M | 7.50M | 7.41M |
| Net Income | 20.36M | 16.75M | 4.70M | 7.83M | 5.56M | 5.42M |
Balance Sheet | ||||||
| Total Assets | 1.55B | 1.50B | 1.41B | 809.95M | 603.79M | 607.43M |
| Cash, Cash Equivalents and Short-Term Investments | 58.90M | 61.62M | 54.42M | 20.88M | 33.12M | 69.14M |
| Total Debt | 20.04M | 22.43M | 117.44M | 47.00M | 19.59M | 22.19M |
| Total Liabilities | 1.42B | 1.37B | 1.30B | 756.98M | 555.68M | 558.48M |
| Stockholders Equity | 137.92M | 128.72M | 110.64M | 52.97M | 48.10M | 48.95M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 18.77M | 7.20M | 6.75M | 3.21M | 2.46M |
| Operating Cash Flow | 0 | 19.37M | 7.51M | 6.95M | 4.63M | 5.46M |
| Investing Cash Flow | 0 | -75.96M | -16.45M | -67.80M | -34.62M | -66.14M |
| Financing Cash Flow | 0 | 63.79M | 42.48M | 67.95M | -6.03M | 91.66M |
Main Street Financial Services Technical Analysis
Price Trends
Market Momentum
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 28.10 is above the 20-day moving average (MA) of 24.63, above the 50-day MA of 23.86, and above the 200-day MA of 20.58, indicating a bullish trend. The MACD of 0.96 indicates Negative momentum. The RSI at 88.79 is Negative, neither overbought nor oversold. The STOCH value of 80.12 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
Overall Rating
SBFG80Outperform
RBKB71Outperform- MSWV69Neutral
BSBK57Neutral
SRBK54Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SBFG | 80Outperform | $192.94M | 11.53 | 11.57% | 2.04% | 9.01% | 26.10% |
| RBKB | 71Outperform | $202.17M | 14.69 | 6.49% | ― | 9.53% | 103.97% |
| MSWV | 69Neutral | $219.64M | 9.79 | 16.62% | 2.14% | 12.44% | 48.11% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BSBK | 57Neutral | $116.51M | 42.66 | 1.34% | ― | 21.45% | ― |
| SRBK | 54Neutral | $134.47M | 36.84 | 2.02% | 1.17% | 9.63% | 37.01% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| MSWV | Main Street Financial Services Corp | 27.99 | 11.96 | 74.66% | |
| SBFG | SB Financial Group Inc | 30.89 | 11.77 | 61.57% | |
| RBKB | Rhinebeck Bancorp | 12.93 | 5.94 | 85.01% | |
| BSBK | Bogota Financial Corp. | 9.13 | 0.50 | 5.79% | |
| SRBK | SR Bancorp, Inc. | 18.79 | 4.16 | 28.45% |
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.
Date of analysis: Oct 29, 2026