MainStreet Bancshares, Inc. Financial Ratios — MNSBP Stock

Profitability (USD)

	2008 Y	2009 Y	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
As of date	12/31/2008	12/31/2009	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	1.52	7.5	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
Return on Assets (%)	0.06	0.25	0.39	0.56	0.53	0.74	0.56	0.97	1.17	1.08	1.35	1.49	1.34	-0.47	0.7
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	6.26	4.35	8.54	7.63	6.18	5.51	5.5	4.85	4.13	4	3.97	3.42	3.43	7.04	6.74
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	1.73	2.4	13.61	18.99	18.12	27.3	26.22	32.85	39.06	36.61	46.87	44.33	40.99	-21.12	26.05
Profit Margin (%)	1.73	7.45	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
Net Income to Common Margin (%)	1.73	7.45	9.1	13.29	12.83	19.35	16.37	26.76	31.49	28.23	33.56	32.56	30.5	-18.44	18.36
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
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.68	12.33	-25.1	22.66
Sustainable Growth Rate (%)	1.52	7.5	11.59	12.34	11.25	17.27	13.48	22.88	25.63	22.38	23.97	21.64	17.04	-11.84	8.29

Credit (USD)

API ChatGPT

	2008 Y	2009 Y	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
As of date	12/31/2008	12/31/2009	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	21	21	1	1	50	54	69	55	55	15	29	172	73	73	70
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	21	21	1	1	50	54	69	55	55	15	29	172	73	73	70
Total Debt/EBITDA	56.63	67.81	1.45	1.48	47.39	49.15	52.54	32.82	29.96	6.94	12.39	66.79	26.46	15.76	14.16
Net Debt/EBITDA	25.68	67.81	-3.04	-5.64	40.49	33.49	23.79	16.11	0.78	-28.61	-13.76	47.81	6.94	10.78	8.8
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.56	3.05	3.7	5.26	4.27	4.25	4.1	4.3	4.81	4.46	5.69	6	6.67	5.41	5.9
Long-Term Debt/Equity (%)	96.09	91.96	5.47	3.76	117.53	116.85	99.6	45.18	39.99	8.85	15.52	86.87	32.79	35.12	31.99
Long-Term Debt/Capital (%)	75.61	74.02	11.86	7.61	70.78	68.92	67.41	53.63	47.12	12.85	19.5	54.67	30.83	33.06	30.71
Long-Term Debt/Total Assets (%)	11.05	8.7	0.5	0.43	10.35	9.42	8.48	4.98	4.29	0.9	1.78	8.94	3.57	3.28	3.16
Total Debt/Equity (%)	96.09	91.96	5.47	3.76	117.53	116.85	99.6	45.18	39.99	8.85	15.52	86.87	32.79	35.12	31.99
Total Debt/Capital (%)	75.61	74.02	11.86	7.61	70.78	68.92	67.41	53.63	47.12	12.85	19.5	54.67	30.83	33.06	30.71
Total Debt/Total Assets (%)	11.05	8.7	0.5	0.43	10.35	9.42	8.48	4.98	4.29	0.9	1.78	8.94	3.57	3.28	3.16
Net Debt to Equity	43.59	91.96	-11.44	-14.28	100.41	79.62	45.11	22.18	1.04	-36.44	-17.23	62.19	8.6	24.03	19.89
Net Debt/Capital (%)	58.44	74.02	-39.18	-45.53	67.42	60.17	48.37	36.21	2.27	-154.8	-36.81	46.33	10.47	25.26	21.6
EBITDA	- -	- -	1	1	1	1	1	2	2	2	2	3	3	5	5
EBITDA-CapEx	- -	-1	1	-1	1	1	-1	- -	1	1	-2	-5	-3	-1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2008 Y	2009 Y	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
As of date	12/31/2008	12/31/2009	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.56	3.05	3.7	5.26	4.27	4.25	4.1	4.3	4.81	4.46	5.69	6	6.67	5.41	5.9
Long-Term Debt/Equity (%)	96.09	91.96	5.47	3.76	117.53	116.85	99.6	45.18	39.99	8.85	15.52	86.87	32.79	35.12	31.99
Long-Term Debt/Capital (%)	75.61	74.02	11.86	7.61	70.78	68.92	67.41	53.63	47.12	12.85	19.5	54.67	30.83	33.06	30.71
Long-Term Debt/Total Assets (%)	11.05	8.7	0.5	0.43	10.35	9.42	8.48	4.98	4.29	0.9	1.78	8.94	3.57	3.28	3.16
Total Debt/Equity (%)	96.09	91.96	5.47	3.76	117.53	116.85	99.6	45.18	39.99	8.85	15.52	86.87	32.79	35.12	31.99
Total Debt/Capital (%)	75.61	74.02	11.86	7.61	70.78	68.92	67.41	53.63	47.12	12.85	19.5	54.67	30.83	33.06	30.71
Total Debt/Total Assets (%)	11.05	8.7	0.5	0.43	10.35	9.42	8.48	4.98	4.29	0.9	1.78	8.94	3.57	3.28	3.16
CFO/Total Liabilities	0.51	-0.4	1.12	1.35	0.89	1.12	0.91	1.29	1.46	1.15	2	1.94	1.74	0.73	0.74
CFO/CapEx	10.34	-0.61	12.47	1.89	9.79	10.21	2.72	9.16	16.86	13.27	6.77	4.31	5.27	2.55	3.55
Altman's Z-Score	0.01	0.01	0.04	0.05	0.05	0.05	0.05	0.05	0.07	0.07	0.09	0.1	0.11	0.09	0.1

Working Capital (USD)

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	2008 Y	2009 Y	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
As of date	12/31/2008	12/31/2009	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	14.4	8.73	13.3	13	11.18	9.67	7.76	7.65	8.38	7.11	6.89	8.72	7.29	5.55	5.68
Days Sales Outstanding	25.34	41.8	27.45	28.08	32.65	37.75	47.03	47.72	43.54	51.32	52.95	41.88	50.07	65.71	64.31
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2008 Y	2009 Y	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
As of date	12/31/2008	12/31/2009	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	11	- -	4	7	7	17	37	28	53	76	62	49	54	23	26
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	27	27	27	27	27	27
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	21	21	1	1	50	54	69	55	55	15	29	172	73	73	70
Enterprise Value	9	21	-29	-44	9	1	-20	-29	-91	-181	-105	88	-14	21	70
Total Capital	27	28	12	20	70	79	102	102	116	115	150	315	236	221	228
Total Debt/Capital (%)	75.61	74.02	11.86	7.61	70.78	68.92	67.41	53.63	47.12	12.85	19.5	54.67	30.83	33.06	30.71
Total Debt / EV	2.2	1	-0.05	-0.03	5.73	92.91	-3.38	-1.88	-0.6	-0.08	-0.28	1.96	-5.34	3.4	0.99
EV/Sales	1.61	2.95	- -	- -	0.51	0.03	- -	- -	- -	- -	- -	1.17	- -	0.33	0.96
EV/EBITDA	25.68	67.81	- -	- -	8.27	0.53	- -	- -	- -	- -	- -	34.1	- -	4.64	14.24
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	11.08	- -	- -	- -	2.22	0.1	- -	- -	- -	- -	- -	2.62	- -	1.46	4.75
EV/Free Cash Flow to Firm	10.11	38.13	- -	- -	2.02	0.09	- -	- -	- -	- -	- -	2.13	- -	1.05	3.71
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	9	21	-3	-6	42	37	31	27	1	-34	-5	151	46	77	71
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	6	7	11	13	17	20	24	34	44	53	60	75	80	66	73
TTM EBITDA	- -	- -	1	1	1	1	1	2	2	2	2	3	3	5	5
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	-1	3	4	4	6	7	13	17	17	29	34	32	15	15
TTM Free Cash Flow to Firm	1	1	3	6	4	6	9	14	18	18	33	41	38	21	19

Multiples (USD)

API ChatGPT

	2008 Y	2009 Y	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
As of date	12/31/2008	12/31/2009	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	9	21	-29	-44	9	1	-20	-29	-91	-181	-105	88	-14	21	70
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.75	25.62	24.38	19.35	21.05	22.81
EV/Sales	1.61	2.95	- -	- -	0.51	0.03	- -	- -	- -	- -	- -	1.17	- -	0.33	0.96
EV/EBITDA	25.68	67.81	- -	- -	8.27	0.53	- -	- -	- -	- -	- -	34.1	- -	4.64	14.24
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	1.61	2.95	- -	- -	2.5	1.84	1.31	0.78	0.03	- -	- -	2	0.58	1.17	0.97
EV/Sales High	1.61	2.95	- -	- -	2.5	1.84	1.31	0.78	0.03	- -	- -	2	0.58	1.17	0.97
EV/Sales Low	1.61	2.95	- -	- -	2.5	1.84	1.31	0.78	0.03	- -	- -	2	0.58	1.17	0.97
EV/EBITDA Average	25.68	67.81	-3.04	-5.64	40.49	33.49	23.79	16.11	0.78	-15.84	-2.23	58.39	16.88	16.67	14.32
EV/EBITDA High	25.68	67.81	-3.04	-5.64	40.49	33.49	23.79	16.11	0.78	-15.84	-2.23	58.39	16.88	16.67	14.32
EV/EBITDA Low	25.68	67.81	-3.04	-5.64	40.49	33.49	23.79	16.11	0.78	-15.84	-2.23	58.39	16.88	16.67	14.32
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.47	26.99	25.5	23.05	24.18	24.75
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.69	29.81	29	26.15	25.03	28.25
Enterprise Value Average	9	21	-3	-6	42	37	31	27	1	-34	-5	151	46	77	71
Enterprise Value High	9	21	-3	-6	42	37	31	27	1	-34	-5	151	46	77	71
Enterprise Value Low	9	21	-3	-6	42	37	31	27	1	-34	-5	151	46	77	71

Shares Outstanding	3	3	- -	4	4	4	6	8	8	7	8	7	8	8	7
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

MainStreet Bancshares, Inc.

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