Main Street Financial Services Corp.

Main Street Financial Services Corp.

MSWV
Main Street Financial Services Corp.US flagOther OTC
19.50
USD
-0.04
- -
152.70MMarket Cap
Main Street Financial Services Corp.
MSWV
(Other OTC)

Recent

price

19.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.86
5.32
5.23
5.03
5.4
5.88
6.57
5.99
6.96
6.38
Revenue per Share
1.19
1.56
1.5
1.29
1.59
1.63
2.04
0.76
2.14
1.79
Basic EPS, GAAP
1.98
2.04
1.59
0.99
1.45
0.97
1.75
1.12
2.4
- -
Free Cash Flow per Basic Share
0.31
0.33
0.37
0.39
0.41
0.51
0.53
0.52
0.56
- -
Dividend per Share
7.75
8.98
10.11
11.02
12.21
13.33
14.54
10.6
9.92
9.03
Book Value per Share
10.15
11.38
12.5
13.39
14.34
14.1
13.37
15.38
14.66
14.97
Tangible Book Value per Share
3
3
3
3
3
3
4
6
8
8
Basic Weighted Avg Shares
17
18
18
17
18
20
25
37
54
50
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
1
2
3
- -
Depreciation Expense
4
5
5
4
5
6
8
5
17
14
Net Income, GAAP
42.87
24.06
23.72
23.72
23.94
21.79
20.38
16.11
21.43
19.38
Effective Tax Rate (%)
24.43
29.24
28.64
25.74
29.4
27.72
31.09
12.77
30.78
28.05
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
21
27
33
20
22
20
47
117
15
82
LT Debt
35
39
43
46
49
48
53
111
129
117
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
18.6
15.7
12.24
13.68
12.77
15.48
7.78
23.47
21.47
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
87
98
101

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
54
43
52
Accounts Receivable, Net
- -
- -
- -
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
- -
28.15%
16.35%
Free Cash Flow
- -
58.32%
172.42%
Net Income, GAAP
- -
56.47%
256.13%
Sales/Revenue/Turnover
- -
27.16%
47.75%
Total Cash Common Dividend
- -
28.33%
37%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
7
12
12
37
2025
12
13
15
- -
54
2026
15
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.4
-0.68
0.44
0.41
0.76
2025
0.47
0.47
0.63
- -
2.14
2026
0.62
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.52
2025
- -
- -
- -
- -
0.56
2026
- -
- -
- -
- -
- -
Business
Main Street Financial Services Corp. (MSWV) operates as the holding company for Main Street Bank Corp., providing a comprehensive range of personal and business banking products and services to individuals, businesses, and organizations primarily in Ohio and West Virginia. The company offers deposit products including checking accounts, savings accounts, money market accounts, term certificates, and interest-bearing time deposits; lending solutions encompassing residential mortgages, commercial real estate loans, installment loans, residential and nonresidential real estate loans, residential construction loans, multi-family real estate loans, land loans, commercial business loans, consumer loans, home equity lines of credit, auto loans, and recreational vehicle loans; business lending products such as agriculture loans, term loans, short-term loans, lines of credit, government-guaranteed programs, and standby letters of credit; and additional services comprising business solutions like health savings accounts and business retirement planning, wealth management and trust services, investment advisory services, debit cards, credit cards, gift cards, online banking, mobile banking, and e-statements. Founded in 1899 and headquartered at 151 North Market Street in Wooster, Ohio, Main Street Financial Services Corp. maintains 19 full-service banking locations across its operational footprint and trades on the OTCQX market. In May 2024, the company completed a merger with Wayne Savings Bancshares Inc., integrating Wayne Savings Community Bank under the Main Street Bank brand, with systems and services consolidation occurring later that year alongside a rebranding to Main Street Bank; it has since reported record profits in the third quarter of 2025, raised its quarterly dividend by 40% to $0.14 per share, and continued declaring regular dividends amid stable non-GAAP earnings performance.

Company News

APIChat
  • Main Street Financial Services Corp. Annual Meeting Voting Results

  • Main Street Bank, Dr. Edmond Seifried Ph. D, and Jamie Sumner Hosts GDP-50-NOW™ and Release Latest State-Level Economic Update

  • Main Street Financial Services Corp. Declares Quarterly Dividend

  • Main Street Financial Services, Corp. Announces Opening of Full-Service Branch in Canfield, Ohio

  • Main Street Financial Services Corp. Posts Record Quarter, Capping a Record-Setting Year

  • Main Street Financial Services Corp. Declares Quarterly Dividend

  • Main Street Financial Services Corp. Announces Earnings for Second Quarter of 2025

  • Main Street Financial Services Corp. Declares Quarterly Dividend

  • Main Street Financial Services Corp. Announces Officer Termination, Appointment

  • Main Street Financial Services Corp. Announces Earnings for First Quarter of 2025

  • Main Street Financial Services Corp. Declares Quarterly Dividend

  • MAIN STREET FINANCIAL SERVICES CORP. to Present at the Banking Virtual Investor Conference March 6th

  • Main Street Financial Services Corp. Announces Earnings for Third Quarter of 2024

  • Main Street Financial Services Corp. Declares Quarterly Dividend

  • Main Street Financial Services Corp. Announces Dividend Reinvestment Plan for Shareholders

  • Main Street Financial Services Corp. Announces Earnings for Second Quarter of 2024

  • Main Street Financial Services Corp. Declares Quarterly Dividend