MainStreet Bancshares, Inc. (MNSB) 10-Year Financial Performance & Capital Metrics

MNSB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutMainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers 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; and cash management, wire transfer, check imaging, remote deposit capture, and courier services. It also provides commercial loans, including government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company provides deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. As of March 18, 2022, it operated six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as 55,000 automated teller machines. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia.Show more

Net Interest Income $63M -18.5%
Total Revenue $138M +7.9%
Net Income -$10M -137.5%
Return on Equity -4.65% -136.7%
Net Interest Margin 2.81% -25.5%
Efficiency Ratio 52.93% +48.2%
ROA -0.47% -134.9%
Equity / Assets 9.33% -14.2%
Book Value per Share 27.35 -7.1%
Tangible BV/Share 27.35 -0.6%
Debt/Equity 0.35 -11.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 52.9% efficiency ratio
✓Trading at only 0.7x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y24.62%

5Y16.71%

3Y25.17%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-140.64%

EPS CAGR

10Y-

5Y-

3Y-

TTM-174.75%

ROCE

10Y Avg6.83%

5Y Avg7.41%

3Y Avg4.95%

Latest-4.25%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	15.65M	18.51M	21.48M	31.17M	39.44M	45.98M	53.54M	70.65M	76.74M	62.57M
NII Growth %	0.29%	0.18%	0.16%	0.45%	0.27%	0.17%	0.16%	0.32%	0.09%	-0.18%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	17.99M	21.58M	26.95M	43.84M	58.81M	62.07M	64.2M	84.02M	124.42M	134.62M
Interest Expense	2.34M	3.07M	5.47M	12.67M	19.38M	16.09M	10.66M	13.37M	47.68M	72.04M
Loan Loss Provision	1.5M	645K	1.89M	3.13M	1.62M	3.61M	-1.18M	2.4M	1.64M	6.76M
Non-Interest Income+	1.26M	1.52M	2.23M	3.24M	4.86M	7.45M	6.11M	4.66M	3.34M	3.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	19.25M	23.1M	29.18M	47.07M	63.67M	69.52M	70.31M	88.68M	127.76M	137.87M
Revenue Growth %	0.26%	0.2%	0.26%	0.61%	0.35%	0.09%	0.01%	0.26%	0.44%	0.08%
Non-Interest Expense	12.35M	13.91M	15.61M	19.98M	25.38M	30.26M	32.87M	39.52M	45.62M	72.97M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	3.06M	5.47M	6.22M	11.3M	17.3M	19.56M	27.96M	33.39M	32.82M	-13.9M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.22%	0.79%	0.14%	0.82%	0.53%	0.13%	0.43%	0.19%	-0.02%	-1.42%
Pretax Income+	3.06M	5.47M	6.22M	11.3M	17.3M	19.56M	27.96M	33.39M	32.82M	-13.9M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	894.02K	1.59M	2.33M	2.09M	3.35M	3.84M	5.79M	6.71M	6.24M	-3.92M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.17M	3.88M	3.88M	9.21M	13.95M	15.72M	22.17M	26.67M	26.59M	-9.98M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.24%	0.79%	0%	1.37%	0.51%	0.13%	0.41%	0.2%	-0%	-1.38%
Net Income (Continuing)	2.17M	3.88M	3.88M	9.21M	13.95M	15.72M	22.17M	26.67M	26.59M	-9.98M
EPS (Diluted)+	0.49	0.87	0.81	1.38	1.69	1.85	2.65	3.26	3.25	-1.60
EPS Growth %	-0.2%	0.78%	-0.07%	0.7%	0.22%	0.09%	0.43%	0.23%	-0%	-1.49%
EPS (Basic)	0.49	0.87	0.81	1.38	1.69	1.85	2.65	3.26	3.25	-1.60
Diluted Shares Outstanding	4.44M	4.47M	4.78M	6.65M	8.25M	8.13M	7.56M	7.53M	7.52M	7.61M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.21M	17.27M	37.49M	27.89M	53.38M	75.94M	61.83M	48.93M	53.58M	47.55M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	451.81M	527.99M	733.17M	999.28M	1.15B	1.46B	1.46B	1.66B	1.78B	1.88B
Investments Growth %	0.4%	0.17%	0.39%	0.36%	0.15%	0.27%	0%	0.14%	0.07%	0.06%
Long-Term Investments	418.15M	491.64M	681.86M	943.3M	1.05B	1.31B	1.36B	1.6B	1.72B	1.88B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	2.49M	9.15M	14.66M	0
PP&E (Net)	12.53M	12.31M	13.96M	14.22M	14.15M	14.29M	14.86M	14.71M	13.94M	13.29M
Other Assets	4.83M	15.88M	19.47M	54.08M	57.28M	86.02M	98.5M	183.16M	158.52M	273.57M
Total Current Assets	42.75M	55.89M	92.66M	89.01M	151.59M	232.95M	169.44M	121.14M	125.9M	60.23M
Total Non-Current Assets	435.5M	519.82M	715.29M	1.01B	1.13B	1.41B	1.48B	1.8B	1.91B	2.17B
Total Assets+	478.25M	575.71M	807.95M	1.1B	1.28B	1.64B	1.65B	1.93B	2.04B	2.23B
Asset Growth %	0.39%	0.2%	0.4%	0.36%	0.16%	0.29%	0%	0.17%	0.06%	0.09%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	49.53M	54.21M	68.53M	54.78M	54.8M	14.83M	29.29M	172.25M	87.64M	73.04M
Net Debt	42.32M	36.94M	31.04M	26.89M	1.43M	-61.1M	-32.53M	123.31M	34.06M	25.49M
Long-Term Debt	49.51M	54.21M	68.53M	54.78M	54.8M	14.83M	29.29M	172.25M	72.64M	73.04M
Short-Term Debt	18.67K	0	0	0	0	0	0	0	15M	0
Other Liabilities	1.04M	1.54M	2.97M	4.45M	13.9M	22.42M	17.36M	42.34M	40.15M	39.27M
Total Current Liabilities	385.57M	473.57M	667.65M	920.14M	1.07B	1.44B	1.41B	1.51B	1.7B	1.91B
Total Non-Current Liabilities	50.55M	55.75M	71.5M	59.23M	68.7M	37.25M	46.65M	214.58M	112.79M	112.31M
Total Liabilities	436.13M	529.32M	739.15M	979.36M	1.14B	1.48B	1.46B	1.73B	1.81B	2.02B
Total Equity+	42.12M	46.4M	68.8M	121.25M	137.03M	167.66M	188.79M	198.28M	221.52M	207.99M
Equity Growth %	0.06%	0.1%	0.48%	0.76%	0.13%	0.22%	0.13%	0.05%	0.12%	-0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.09%	0.07%	0.1%	0.11%	0.1%	0.12%	0.14%	0.13%	-0.05%
Book Value per Share	9.48	10.37	14.40	18.23	16.61	20.62	24.98	26.34	29.45	27.35
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	16.52M	16.65M	21.44M	32.18M	32.4M	29.13M	29.47M	28.74M	29.2M	29.47M
Additional Paid-in Capital	21.84M	22.15M	35.69M	74.26M	75.12M	66.12M	67.67M	64M	65.98M	67.82M
Retained Earnings	3.92M	7.8M	11.69M	15.19M	29.1M	44.18M	64.19M	86.83M	106.55M	91.15M
Accumulated OCI	-152K	-208K	-19.55K	-367K	423K	977K	197K	-8.55M	-7.48M	-7.71M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	27.26M	27.26M	27.26M	27.26M	27.26M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	3.88M	5.92M	6.73M	12.59M	16.69M	17.02M	29.12M	33.54M	31.63M	14.74M
Operating CF Growth %	-0.06%	0.52%	0.14%	0.87%	0.33%	0.02%	0.71%	0.15%	-0.06%	-0.53%
Net Income	2.17M	3.88M	3.88M	9.21M	13.95M	15.72M	22.17M	26.67M	26.59M	-9.98M
Depreciation & Amortization	1.04M	1.1M	1.3M	1.67M	1.83M	2.14M	2.37M	2.58M	2.75M	4.63M
Deferred Taxes	-175.17K	-192.55K	-1.02M	-1.04M	-462K	-1.75M	336K	-894K	-191K	-4.53M
Other Non-Cash Items	1.3M	437.68K	1.53M	2.84M	1.08M	3.21M	-2.7M	1.96M	1.09M	25.64M
Working Capital Changes	-789.62K	241.13K	514.45K	-971K	-745K	-3.83M	5.06M	710K	-1.09M	-3.87M
Cash from Investing+	-134.67M	-87.75M	-213.5M	-273.42M	-161.41M	-313.79M	-29.25M	-228.74M	-130.75M	-122.28M
Purchase of Investments	-78.58M	-73.52M	-86.78M	-125.42M	-175.89M	-299.36M	-378.62M	-226.22M	0	-845K
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-130.6M	-76.28M	-195.21M	-267.53M	-126.31M	-259.34M	-75.5M	-255.63M	-134.21M	-126.03M
Cash from Financing+	130.82M	92.7M	226.19M	281.41M	151.49M	339.45M	-14.2M	232.59M	83.03M	200.73M
Dividends Paid	0	0	0	0	0	-635K	-2.16M	-4.04M	-5.17M	-5.2M
Share Repurchases	0	0	0	0	0	-13.8M	0	-6.92M	-43K	-732K
Stock Issued	0	0	17.82M	42.71M	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	0	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	82.81M	87.99M	194.09M	252.47M	151.49M	366.62M	-26.28M	100.93M	173.24M	221.67M
Net Change in Cash+	40.47K	10.86M	19.42M	20.58M	6.77M	42.68M	-14.33M	37.4M	-16.09M	93.19M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	7.17M	7.21M	18.07M	37.49M	58.08M	64.84M	107.53M	93.2M	130.6M	114.51M
Cash at End	7.21M	18.07M	37.49M	58.08M	64.84M	107.53M	93.2M	130.6M	114.51M	207.71M
Interest Paid	2.26M	3M	5.24M	12.07M	19.5M	16.36M	10.16M	12.64M	45.53M	70.89M
Income Taxes Paid	1.58M	1.56M	1.85M	2.62M	4.16M	4.62M	6.84M	6.38M	7.28M	1.27M
Free Cash Flow+	3.49M	5.34M	4.25M	11.22M	15.7M	15.73M	24.82M	25.76M	25.63M	8.95M
FCF Growth %	0.79%	0.53%	-0.2%	1.64%	0.4%	0%	0.58%	0.04%	-0.01%	-0.65%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.3%	8.76%	6.74%	9.69%	10.8%	10.32%	12.44%	13.78%	12.67%	-4.65%
Return on Assets (ROA)	0.53%	0.74%	0.56%	0.97%	1.17%	1.08%	1.35%	1.49%	1.34%	-0.47%
Net Interest Margin	3.27%	3.21%	2.66%	2.83%	3.09%	2.8%	3.25%	3.67%	3.77%	2.81%
Efficiency Ratio	64.13%	60.24%	53.49%	42.44%	39.85%	43.52%	46.74%	44.57%	35.7%	52.93%
Equity / Assets	8.81%	8.06%	8.52%	11.02%	10.72%	10.2%	11.46%	10.3%	10.88%	9.33%
Book Value / Share	9.48	10.37	14.4	18.23	16.61	20.62	24.98	26.34	29.45	27.35
NII Growth	28.54%	18.29%	16.08%	45.09%	26.52%	16.59%	16.44%	31.97%	8.62%	-18.46%
Dividend Payout	-	-	-	-	-	-	-	7.06%	11.33%	-

Revenue by Segment

	2024
Core Banking	135.6M
Core Banking Growth	-

Frequently Asked Questions

Growth & Financials

MainStreet Bancshares, Inc. (MNSB) grew revenue by 7.9% over the past year. This is steady growth.

MainStreet Bancshares, Inc. (MNSB) reported a net loss of $4.6M for fiscal year 2024.

Dividend & Returns

Yes, MainStreet Bancshares, Inc. (MNSB) pays a dividend with a yield of 1.96%. This makes it attractive for income-focused investors.

MainStreet Bancshares, Inc. (MNSB) has a return on equity (ROE) of -4.6%. Negative ROE indicates the company is unprofitable.

Industry Metrics

MainStreet Bancshares, Inc. (MNSB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

MainStreet Bancshares, Inc. (MNSB) has an efficiency ratio of 52.9%. This is excellent, indicating strong cost control.

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MainStreet Bancshares, Inc. (MNSB) 10-Year Financial Performance & Capital Metrics

MNSB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

Net Interest Income $63M -18.5%
Total Revenue $138M +7.9%
Net Income -$10M -137.5%
Return on Equity -4.65% -136.7%
Net Interest Margin 2.81% -25.5%
Efficiency Ratio 52.93% +48.2%
ROA -0.47% -134.9%
Equity / Assets 9.33% -14.2%
Book Value per Share 27.35 -7.1%
Tangible BV/Share 27.35 -0.6%
Debt/Equity 0.35 -11.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 52.9% efficiency ratio
✓Trading at only 0.7x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y24.62%

5Y16.71%

3Y25.17%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-140.64%

EPS CAGR

10Y-

5Y-

3Y-

TTM-174.75%

ROCE

10Y Avg6.83%

5Y Avg7.41%

3Y Avg4.95%

Latest-4.25%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	15.65M	18.51M	21.48M	31.17M	39.44M	45.98M	53.54M	70.65M	76.74M	62.57M
NII Growth %	0.29%	0.18%	0.16%	0.45%	0.27%	0.17%	0.16%	0.32%	0.09%	-0.18%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	17.99M	21.58M	26.95M	43.84M	58.81M	62.07M	64.2M	84.02M	124.42M	134.62M
Interest Expense	2.34M	3.07M	5.47M	12.67M	19.38M	16.09M	10.66M	13.37M	47.68M	72.04M
Loan Loss Provision	1.5M	645K	1.89M	3.13M	1.62M	3.61M	-1.18M	2.4M	1.64M	6.76M
Non-Interest Income+	1.26M	1.52M	2.23M	3.24M	4.86M	7.45M	6.11M	4.66M	3.34M	3.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	19.25M	23.1M	29.18M	47.07M	63.67M	69.52M	70.31M	88.68M	127.76M	137.87M
Revenue Growth %	0.26%	0.2%	0.26%	0.61%	0.35%	0.09%	0.01%	0.26%	0.44%	0.08%
Non-Interest Expense	12.35M	13.91M	15.61M	19.98M	25.38M	30.26M	32.87M	39.52M	45.62M	72.97M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	3.06M	5.47M	6.22M	11.3M	17.3M	19.56M	27.96M	33.39M	32.82M	-13.9M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.22%	0.79%	0.14%	0.82%	0.53%	0.13%	0.43%	0.19%	-0.02%	-1.42%
Pretax Income+	3.06M	5.47M	6.22M	11.3M	17.3M	19.56M	27.96M	33.39M	32.82M	-13.9M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	894.02K	1.59M	2.33M	2.09M	3.35M	3.84M	5.79M	6.71M	6.24M	-3.92M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.17M	3.88M	3.88M	9.21M	13.95M	15.72M	22.17M	26.67M	26.59M	-9.98M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.24%	0.79%	0%	1.37%	0.51%	0.13%	0.41%	0.2%	-0%	-1.38%
Net Income (Continuing)	2.17M	3.88M	3.88M	9.21M	13.95M	15.72M	22.17M	26.67M	26.59M	-9.98M
EPS (Diluted)+	0.49	0.87	0.81	1.38	1.69	1.85	2.65	3.26	3.25	-1.60
EPS Growth %	-0.2%	0.78%	-0.07%	0.7%	0.22%	0.09%	0.43%	0.23%	-0%	-1.49%
EPS (Basic)	0.49	0.87	0.81	1.38	1.69	1.85	2.65	3.26	3.25	-1.60
Diluted Shares Outstanding	4.44M	4.47M	4.78M	6.65M	8.25M	8.13M	7.56M	7.53M	7.52M	7.61M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.21M	17.27M	37.49M	27.89M	53.38M	75.94M	61.83M	48.93M	53.58M	47.55M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	451.81M	527.99M	733.17M	999.28M	1.15B	1.46B	1.46B	1.66B	1.78B	1.88B
Investments Growth %	0.4%	0.17%	0.39%	0.36%	0.15%	0.27%	0%	0.14%	0.07%	0.06%
Long-Term Investments	418.15M	491.64M	681.86M	943.3M	1.05B	1.31B	1.36B	1.6B	1.72B	1.88B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	2.49M	9.15M	14.66M	0
PP&E (Net)	12.53M	12.31M	13.96M	14.22M	14.15M	14.29M	14.86M	14.71M	13.94M	13.29M
Other Assets	4.83M	15.88M	19.47M	54.08M	57.28M	86.02M	98.5M	183.16M	158.52M	273.57M
Total Current Assets	42.75M	55.89M	92.66M	89.01M	151.59M	232.95M	169.44M	121.14M	125.9M	60.23M
Total Non-Current Assets	435.5M	519.82M	715.29M	1.01B	1.13B	1.41B	1.48B	1.8B	1.91B	2.17B
Total Assets+	478.25M	575.71M	807.95M	1.1B	1.28B	1.64B	1.65B	1.93B	2.04B	2.23B
Asset Growth %	0.39%	0.2%	0.4%	0.36%	0.16%	0.29%	0%	0.17%	0.06%	0.09%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	49.53M	54.21M	68.53M	54.78M	54.8M	14.83M	29.29M	172.25M	87.64M	73.04M
Net Debt	42.32M	36.94M	31.04M	26.89M	1.43M	-61.1M	-32.53M	123.31M	34.06M	25.49M
Long-Term Debt	49.51M	54.21M	68.53M	54.78M	54.8M	14.83M	29.29M	172.25M	72.64M	73.04M
Short-Term Debt	18.67K	0	0	0	0	0	0	0	15M	0
Other Liabilities	1.04M	1.54M	2.97M	4.45M	13.9M	22.42M	17.36M	42.34M	40.15M	39.27M
Total Current Liabilities	385.57M	473.57M	667.65M	920.14M	1.07B	1.44B	1.41B	1.51B	1.7B	1.91B
Total Non-Current Liabilities	50.55M	55.75M	71.5M	59.23M	68.7M	37.25M	46.65M	214.58M	112.79M	112.31M
Total Liabilities	436.13M	529.32M	739.15M	979.36M	1.14B	1.48B	1.46B	1.73B	1.81B	2.02B
Total Equity+	42.12M	46.4M	68.8M	121.25M	137.03M	167.66M	188.79M	198.28M	221.52M	207.99M
Equity Growth %	0.06%	0.1%	0.48%	0.76%	0.13%	0.22%	0.13%	0.05%	0.12%	-0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.09%	0.07%	0.1%	0.11%	0.1%	0.12%	0.14%	0.13%	-0.05%
Book Value per Share	9.48	10.37	14.40	18.23	16.61	20.62	24.98	26.34	29.45	27.35
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	16.52M	16.65M	21.44M	32.18M	32.4M	29.13M	29.47M	28.74M	29.2M	29.47M
Additional Paid-in Capital	21.84M	22.15M	35.69M	74.26M	75.12M	66.12M	67.67M	64M	65.98M	67.82M
Retained Earnings	3.92M	7.8M	11.69M	15.19M	29.1M	44.18M	64.19M	86.83M	106.55M	91.15M
Accumulated OCI	-152K	-208K	-19.55K	-367K	423K	977K	197K	-8.55M	-7.48M	-7.71M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	27.26M	27.26M	27.26M	27.26M	27.26M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	3.88M	5.92M	6.73M	12.59M	16.69M	17.02M	29.12M	33.54M	31.63M	14.74M
Operating CF Growth %	-0.06%	0.52%	0.14%	0.87%	0.33%	0.02%	0.71%	0.15%	-0.06%	-0.53%
Net Income	2.17M	3.88M	3.88M	9.21M	13.95M	15.72M	22.17M	26.67M	26.59M	-9.98M
Depreciation & Amortization	1.04M	1.1M	1.3M	1.67M	1.83M	2.14M	2.37M	2.58M	2.75M	4.63M
Deferred Taxes	-175.17K	-192.55K	-1.02M	-1.04M	-462K	-1.75M	336K	-894K	-191K	-4.53M
Other Non-Cash Items	1.3M	437.68K	1.53M	2.84M	1.08M	3.21M	-2.7M	1.96M	1.09M	25.64M
Working Capital Changes	-789.62K	241.13K	514.45K	-971K	-745K	-3.83M	5.06M	710K	-1.09M	-3.87M
Cash from Investing+	-134.67M	-87.75M	-213.5M	-273.42M	-161.41M	-313.79M	-29.25M	-228.74M	-130.75M	-122.28M
Purchase of Investments	-78.58M	-73.52M	-86.78M	-125.42M	-175.89M	-299.36M	-378.62M	-226.22M	0	-845K
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-130.6M	-76.28M	-195.21M	-267.53M	-126.31M	-259.34M	-75.5M	-255.63M	-134.21M	-126.03M
Cash from Financing+	130.82M	92.7M	226.19M	281.41M	151.49M	339.45M	-14.2M	232.59M	83.03M	200.73M
Dividends Paid	0	0	0	0	0	-635K	-2.16M	-4.04M	-5.17M	-5.2M
Share Repurchases	0	0	0	0	0	-13.8M	0	-6.92M	-43K	-732K
Stock Issued	0	0	17.82M	42.71M	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	0	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	82.81M	87.99M	194.09M	252.47M	151.49M	366.62M	-26.28M	100.93M	173.24M	221.67M
Net Change in Cash+	40.47K	10.86M	19.42M	20.58M	6.77M	42.68M	-14.33M	37.4M	-16.09M	93.19M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	7.17M	7.21M	18.07M	37.49M	58.08M	64.84M	107.53M	93.2M	130.6M	114.51M
Cash at End	7.21M	18.07M	37.49M	58.08M	64.84M	107.53M	93.2M	130.6M	114.51M	207.71M
Interest Paid	2.26M	3M	5.24M	12.07M	19.5M	16.36M	10.16M	12.64M	45.53M	70.89M
Income Taxes Paid	1.58M	1.56M	1.85M	2.62M	4.16M	4.62M	6.84M	6.38M	7.28M	1.27M
Free Cash Flow+	3.49M	5.34M	4.25M	11.22M	15.7M	15.73M	24.82M	25.76M	25.63M	8.95M
FCF Growth %	0.79%	0.53%	-0.2%	1.64%	0.4%	0%	0.58%	0.04%	-0.01%	-0.65%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.3%	8.76%	6.74%	9.69%	10.8%	10.32%	12.44%	13.78%	12.67%	-4.65%
Return on Assets (ROA)	0.53%	0.74%	0.56%	0.97%	1.17%	1.08%	1.35%	1.49%	1.34%	-0.47%
Net Interest Margin	3.27%	3.21%	2.66%	2.83%	3.09%	2.8%	3.25%	3.67%	3.77%	2.81%
Efficiency Ratio	64.13%	60.24%	53.49%	42.44%	39.85%	43.52%	46.74%	44.57%	35.7%	52.93%
Equity / Assets	8.81%	8.06%	8.52%	11.02%	10.72%	10.2%	11.46%	10.3%	10.88%	9.33%
Book Value / Share	9.48	10.37	14.4	18.23	16.61	20.62	24.98	26.34	29.45	27.35
NII Growth	28.54%	18.29%	16.08%	45.09%	26.52%	16.59%	16.44%	31.97%	8.62%	-18.46%
Dividend Payout	-	-	-	-	-	-	-	7.06%	11.33%	-

Revenue by Segment

	2024
Core Banking	135.6M
Core Banking Growth	-

Frequently Asked Questions

Growth & Financials

MainStreet Bancshares, Inc. (MNSB) grew revenue by 7.9% over the past year. This is steady growth.

MainStreet Bancshares, Inc. (MNSB) reported a net loss of $4.6M for fiscal year 2024.

Dividend & Returns

Yes, MainStreet Bancshares, Inc. (MNSB) pays a dividend with a yield of 1.96%. This makes it attractive for income-focused investors.

MainStreet Bancshares, Inc. (MNSB) has a return on equity (ROE) of -4.6%. Negative ROE indicates the company is unprofitable.

Industry Metrics

MainStreet Bancshares, Inc. (MNSB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

MainStreet Bancshares, Inc. (MNSB) has an efficiency ratio of 52.9%. This is excellent, indicating strong cost control.