MainStreet Bancshares, Inc. logo

MainStreet Bancshares, Inc.

MNSB

NASDAQFinancial ServicesBanks - Regional

Previous close

$24.81

−$0.45 · -1.78%

Aug 21, 4:00 PM ET

MNSB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

78

Undervalued

Momentum

47

Neutral

Sentiment

72

Bullish

Risk resilience

77

Moderate Risk

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Company profile

Company website

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 service organizations. The bank provides various deposit accounts, including checking (both standard and interest-bearing, for consumers and businesses), savings, money market, NOW, sweep accounts, and certificates of deposit. Beyond core banking, it offers cash management, wire transfer, check imaging, remote deposit capture, and courier services, alongside internet bill payment and robust online and mobile banking solutions. Lending activities encompass commercial loans for government contracts, plant and equipment, general working capital, contract administration, and acquisitions. Furthermore, MainStreet Bank extends financing for commercial, construction, and residential real estate, as well as consumer loans such as term loans and overdraft protection. Debit and credit cards are also available. Incorporated in 2003 and based in Fairfax, Virginia, the company maintained six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., and supported access to 55,000 automated teller machines as of March 18, 2022.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Jeff W. Dick
Listed since
Sep 6, 2005
Employees
171

Market position

Day range

Current $24.81

52-week range

Current $24.81

Open
$25.29
Previous close
$25.26
Volume
27.72K
0.62× average
Average volume
44.53K
Average daily volume
Market cap
176.58M USD
Beta
0.53
Market reference 1
50-day average
$24.206
+2.50% above average
200-day average
$22.2853
+11.33% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
199.29M USD
P/E (TTM)
12.22×
P/B (TTM)
0.85×
P/S (TTM)
1.35×
EV / EBITDA
8.29×
Earnings yield
10.02%
Free cash flow yield
6.83%
Dividend yield
1.61%

Profitability & efficiency

Gross margin
55.21%
Operating margin
16.68%
Net margin
13.25%
Return on equity
7.14%
Return on assets
0.71%
Return on invested capital
4.98%

Financial health

Debt / equity
0.33×
Current ratio
0.02×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends96%58%19%-20%Gross margin, FY2021: 86.51%Gross margin, FY2022: 82.22%Gross margin, FY2023: 61.40%Gross margin, FY2024: 42.84%Gross margin, FY2025: 54.39%Operating margin, FY2021: 39.76%Operating margin, FY2022: 37.65%Operating margin, FY2023: 25.69%Operating margin, FY2024: -10.09%Operating margin, FY2025: 14.05%Net margin, FY2021: 31.53%Net margin, FY2022: 30.08%Net margin, FY2023: 20.81%Net margin, FY2024: -7.24%Net margin, FY2025: 11.49%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 86.51%. Gross margin FY2022 82.22%. Gross margin FY2023 61.40%. Gross margin FY2024 42.84%. Gross margin FY2025 54.39%. Operating margin FY2021 39.76%. Operating margin FY2022 37.65%. Operating margin FY2023 25.69%. Operating margin FY2024 -10.09%. Operating margin FY2025 14.05%. Net margin FY2021 31.53%. Net margin FY2022 30.08%. Net margin FY2023 20.81%. Net margin FY2024 -7.24%. Net margin FY2025 11.49%.

Income trends

Revenue

135.89M USD-1.44%

Operating income

19.09M USD+33M USD

Net income

15.61M USD+25.59M USD
Income trends across reported periods153.04M USD92.34M USD31.63M USD−29.08M USDRevenue, FY2021: 70.31M USDRevenue, FY2022: 88.68M USDRevenue, FY2023: 127.76M USDRevenue, FY2024: 137.87M USDRevenue, FY2025: 135.89M USDOperating income, FY2021: 27.96M USDOperating income, FY2022: 33.39M USDOperating income, FY2023: 32.82M USDOperating income, FY2024: −13.9M USDOperating income, FY2025: 19.09M USDNet income, FY2021: 22.17M USDNet income, FY2022: 26.67M USDNet income, FY2023: 26.59M USDNet income, FY2024: −9.98M USDNet income, FY2025: 15.61M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 70.31M USD. Revenue FY2022 88.68M USD. Revenue FY2023 127.76M USD. Revenue FY2024 137.87M USD. Revenue FY2025 135.89M USD. Operating income FY2021 27.96M USD. Operating income FY2022 33.39M USD. Operating income FY2023 32.82M USD. Operating income FY2024 −13.9M USD. Operating income FY2025 19.09M USD. Net income FY2021 22.17M USD. Net income FY2022 26.67M USD. Net income FY2023 26.59M USD. Net income FY2024 −9.98M USD. Net income FY2025 15.61M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue135.89M USD137.87M USD127.76M USD88.68M USD70.31M USD
Cost of goods sold61.97M USD78.8M USD49.32M USD15.77M USD9.49M USD
Gross profit73.92M USD59.06M USD78.44M USD72.91M USD60.82M USD
Selling, general, and administrative36.83M USD34.95M USD32.66M USD27.61M USD22.61M USD
Operating expenses54.82M USD72.97M USD45.62M USD39.52M USD32.87M USD
Interest income131.59M USD134.62M USD124.42M USD84.02M USD64.2M USD
Interest expense62.04M USD72.04M USD47.68M USD13.37M USD10.66M USD
Depreciation and amortization4.94M USD4.63M USD2.75M USD2.58M USD2.37M USD
Operating income19.09M USD−13.9M USD32.82M USD33.39M USD27.96M USD
Net income15.61M USD−9.98M USD26.59M USD26.67M USD22.17M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
50%
5 beats, 5 misses, 0 met estimates
Average EPS surprise
-29.21%
10 comparable reports
Latest EPS result
0.58
Estimate 0.53 · Beat by 9.43%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.640.370.09-0.18Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual -0.12, estimate 0.23, surprise -152.17%, Miss. Q2 2025, reported Apr 21, 2025: actual 0.25, estimate 0.21, surprise +19.05%, Beat. Q3 2025, reported Jul 22, 2025: actual 0.53, estimate 0.44, surprise +20.45%, Beat. Q4 2025, reported Oct 27, 2025: actual 0.52, estimate 0.51, surprise +1.96%, Beat. Q1 2026, reported Jan 26, 2026: actual 0.46, estimate 0.49, surprise -6.12%, Miss. Q2 2026, reported Apr 20, 2026: actual 0.48, estimate 0.45, surprise +6.67%, Beat. Q3 2026, reported Jul 20, 2026: actual 0.58, estimate 0.53, surprise +9.43%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.58, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates22.67M20.44M18.21M15.98MQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 16.85M USD, estimate 17.6M USD, surprise -4.27%, Miss. Q2 2025, reported Apr 21, 2025: actual 17.45M USD, estimate 18M USD, surprise -3.06%, Miss. Q3 2025, reported Jul 22, 2025: actual 19.69M USD, estimate 18.9M USD, surprise +4.15%, Beat. Q4 2025, reported Oct 27, 2025: actual 18.08M USD, estimate 19.4M USD, surprise -6.81%, Miss. Q1 2026, reported Jan 26, 2026: actual 18.04M USD, estimate 19.6M USD, surprise -7.95%, Miss. Q2 2026, reported Apr 20, 2026: actual 17.9M USD, estimate 20.3M USD, surprise -11.82%, Miss. Q3 2026, reported Jul 20, 2026: actual 19.13M USD, estimate 21.1M USD, surprise -9.36%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 21.8M USD, surprise —, Comparison unavailable.

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