MainStreet Bancshares, Inc.

MainStreet Bancshares, Inc.

MNSB
MainStreet Bancshares, Inc.US flagNASDAQ Capital Market
23.28
USD
-0.11
- -
165.66MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.94
4.61
3.81
4.48
4.96
5.17
5.37
6.57
7.89
10
10.65
8.65
9.58
7.22
Basic EPS, GAAP
0.36
0.61
0.49
0.87
0.81
1.38
1.69
1.85
2.65
3.26
3.25
-1.6
1.76
1.48
Free Cash Flow per Basic Share
0.92
0.68
0.79
1.19
0.89
1.69
1.9
1.93
3.28
3.42
3.41
1.18
1.39
2.46
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
0.08
0.29
0.54
0.69
0.68
0.68
0.52
Book Value per Share
3.64
6.34
4.6
5.47
6.93
7.12
7.45
9.02
12.39
15.35
18.04
15.86
17.06
- -
Tangible Book Value per Share
8.96
13.89
9.48
10.37
14.4
18.23
16.61
17.27
21.04
21.5
23.87
23.76
25
- -
Basic Weighted Avg Shares
3
3
4
4
5
7
8
8
8
8
8
8
8
7
Sales/Revenue/Turnover
11
13
17
20
24
34
44
53
60
75
80
66
73
54
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
2
2
2
2
3
3
5
5
4
Net Income, GAAP
1
2
2
4
4
9
14
16
22
27
27
-10
16
13
Effective Tax Rate (%)
33.12
30.02
29.18
29.14
37.55
18.53
19.38
19.65
20.69
20.11
19.01
- -
18.22
19.1
Profit Margin (%)
9.1
13.29
12.83
19.35
16.37
26.76
31.49
29.42
37.17
35.42
33.2
-15.16
21.3
23.45
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1
1
50
54
69
55
55
15
29
172
73
73
70
- -
Total Equity
25
40
42
46
69
121
137
168
189
198
222
208
219
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
11.59
12.34
11.25
17.27
13.48
22.88
25.63
22.38
23.97
23.44
19.44
-9.47
10.71
17.63

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
70
70
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
27
27
- -
Shares Outstanding
7
7
- -
Market Capitalization
156
169
185

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
27
34
- -
Accounts Receivable, Net
15
13
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
19.84%
5.67%
5.1%
Free Cash Flow
25.15%
2.96%
18.84%
Net Income, GAAP
-5.28%
-66.59%
-256.44%
Sales/Revenue/Turnover
16.91%
7.56%
11.35%
Total Cash Common Dividend
- -
- -
0.13%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16
16
16
17
66
2025
17
20
18
18
73
2026
18
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.27
-0.04
-2.2
-1.6
2025
0.25
0.53
0.52
0.46
1.76
2026
0.48
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.17
0.17
0.17
0.17
0.68
2025
0.17
0.17
0.17
0.17
0.68
2026
0.17
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Jeff W. Dick
Full Time Employees
171
Sector
Financial Services
Industry
Banks - Regional
Address
10089 Fairfax Boulevard Fairfax VA United States of America 22030
IPO Date
Sep 6, 2005
Business
MainStreet Bancshares, Inc. (Nasdaq: MNSB) serves as the financial holding company for MainStreet Bank, a business-focused community bank headquartered in Fairfax, Virginia, and founded in 2004; the company operates six full-service branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington, D.C., primarily targeting individuals, small to medium-sized businesses, professional service organizations, and government contractors in the greater Washington, D.C. metropolitan area. MainStreet Bank provides a comprehensive range of deposit products including 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; cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services; debit and credit cards; merchant services with EMV-compatible terminals, POS systems, internet gateways, and smartphone processing; and sophisticated online and mobile banking solutions with access to over 55,000 free ATMs. The bank's lending portfolio features commercial loans such as government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, residential real estate, and residential construction loans; commercial and industrial loans; consumer term loans and overdraft protection; and SBA 7(a) and 504 lending solutions; the company also offers Banking-as-a-Service (BaaS) through its Avenu platform for fintech partners, embedding banking services into digital applications. In recent developments, MainStreet Bancshares authorized a new $10.0 million common stock repurchase program on October 16, 2025, replacing the prior program from 2022; the company impaired the full value of its capitalized intangible software associated with the Avenu BaaS platform at the end of 2024 following a performance review, though the technology remains in use to support fintech partnerships and low-cost deposit growth; and it restructured wholesale deposits in late 2024 by exercising call options on higher-yielding term deposits to reduce funding costs into 2025.

Company News

APIChatGPT
  • MainStreet Bank (MNSB) Beats Q2 Earnings Estimates

  • Is MainStreet Bank (MNSB) a Great Value Stock Right Now?

  • MainStreet Bancshares, Inc. Delivers Solid Second Quarter 2026 Performance

  • Should Value Investors Buy MainStreet Bank (MNSB) Stock?

  • MainStreet Bank (MNSB) Upgraded to Buy: Here's Why

  • Are Investors Undervaluing MainStreet Bank (MNSB) Right Now?

  • Oliver James to Lead MainStreet Bank’s Commercial and Government Contract Lending Team

  • Oliver James to Lead MainStreet Bank's Commercial and Government Contract Lending Team

  • Should Value Investors Buy MainStreet Bank (MNSB) Stock?

  • MainStreet Bank (MNSB) Upgraded to Buy: Here's What You Should Know

  • MainStreet Bancshares, Inc. (MNSB) Q1 2026 Earnings Call Transcript

  • MainStreet Bank (MNSB) Q1 Earnings Top Estimates

  • MainStreet Bancshares, Inc. Announces First Quarter 2026 Results

  • MainStreet Bank Elevates David Murrell to Executive VP & Chief Banking Officer

  • MainStreet Bank (MNSB) Expected to Announce Quarterly Earnings on Monday

  • Financial Comparison: MainStreet Bank (NASDAQ:MNSB) & Arrow Financial (NASDAQ:AROW)

  • MainStreet Bank Appoints Morgan Higgins to Board of Directors

  • Analyzing MainStreet Bank (NASDAQ:MNSB) & First Internet Bancorp (NASDAQ:INBK)

  • MainStreet Bank Saddles Up: Bringing Bespoke Community Banking to Middleburg's Historic Streets

  • MainStreet Bancshares, Inc. (MNSB) Q4 2025 Earnings Call Prepared Remarks Transcript