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MNSB logoMainStreet Bancshares, Inc.(MNSB)Earnings, Financials & Key Ratios

MNSB•NASDAQ•Banking & Credit
$23.36
$175M mkt cap·13.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused 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$70M+11.1%
  • Total Revenue$136M-1.4%
  • Net Income$16M+256.4%
  • Return on Equity7.32%+257.5%
  • Net Interest Margin3.14%+11.9%
  • Efficiency Ratio40.34%-23.8%
  • ROA0.7%+250.2%
  • Equity / Assets9.88%+5.8%
  • Book Value per Share28.56+4.5%
  • Tangible BV/Share28.56+4.5%
  • Debt/Equity0.32-8.9%
Technical→

MNSB Key Insights

MainStreet Bancshares, Inc. (MNSB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 40.3% efficiency ratio
  • ✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

MNSB Price & Volume

MainStreet Bancshares, Inc. (MNSB) stock price & volume — 10-year historical chart

Loading chart...

MNSB Growth Metrics

MainStreet Bancshares, Inc. (MNSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years21.58%
5 Years14.34%
3 Years15.29%
TTM-

Profit CAGR

10 Years21.82%
5 Years-0.13%
3 Years-16.35%
TTM256.46%

EPS CAGR

10 Years13.64%
5 Years-0.99%
3 Years-18.57%
TTM209.59%

Return on Capital

10 Years6.46%
5 Years5.68%
3 Years1.8%
Last Year0.86%

MNSB Recent Earnings

MainStreet Bancshares, Inc. (MNSB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 20, 2026
EPS
$0.48
Est $0.45
+6.7%
Revenue
$18M
Est $20M
-11.8%
Q2 2026
Mar 13, 2026
EPS
$0.54
Est $0.45
+19.1%
Revenue
$33M
Q1 2026
Jan 26, 2026
EPS
$0.46
Est $0.49
-6.1%
Revenue
$18M
Est $20M
-7.9%
Q4 2025
Oct 27, 2025
EPS
$0.52
Est $0.51
+2.0%
Revenue
$18M
Est $19M
-6.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$0.48vs $0.45+6.7%
$18Mvs $20M-11.8%
Q2 2026Mar 13, 2026
$0.54vs $0.45+19.1%
$33M
Q1 2026Jan 26, 2026
$0.46vs $0.49-6.1%
$18Mvs $20M-7.9%
Q4 2025Oct 27, 2025
$0.52vs $0.51+2.0%
$18Mvs $19M-6.8%
Based on last 12 quarters of dataView full earnings history →

MNSB Peer Comparison

MainStreet Bancshares, Inc. (MNSB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
CARE logoCARECarter Bankshares, Inc.Direct Competitor579.93M26.1718.696.24%7.65%0.43
FXNC logoFXNCFirst National CorporationDirect Competitor248.63M27.5014.0327.11%9.98%0.23
MVBF logoMVBFMVB Financial Corp.Direct Competitor333.96M26.0012.6218.96%8.46%0.23
UBSI logoUBSIUnited Bankshares, Inc.Product Competitor6.11B43.7213.3712.33%8.6%0.17
FUNC logoFUNCFirst United CorporationProduct Competitor243.7M37.5111.9116.94%12.52%1.05
NKSH logoNKSHNational Bankshares, Inc.Product Competitor233.78M36.7114.747.88%9.04%0.01
CFFI logoCFFIC&F Financial CorporationProduct Competitor240.93M74.008.9311.78%10.82%0.44

Compare MNSB vs Peers

MainStreet Bancshares, Inc. (MNSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for MNSB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare MNSB against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CARE, FXNC, MVBF

MNSB Income Statement

MainStreet Bancshares, Inc. (MNSB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income21.48M31.17M39.44M45.98M53.54M70.65M76.74M62.57M69.55M
NII Growth %16.08%45.09%26.52%16.59%16.44%31.97%8.62%-18.46%11.14%
Net Interest Margin %2.66%2.83%3.09%2.8%3.25%3.67%3.77%2.81%3.14%
Interest Income26.95M43.84M58.81M62.07M64.2M84.02M124.42M134.62M131.59M
Interest Expense5.47M12.67M19.38M16.09M10.66M13.37M47.68M72.04M62.04M
Loan Loss Provision1.89M3.13M1.62M3.61M-1.18M2.4M1.64M6.76M-70K
Non-Interest Income2.23M3.24M4.86M7.45M6.11M4.66M3.34M3.25M4.3M
Non-Interest Income %7.63%6.88%7.64%10.72%8.69%5.26%2.61%2.36%3.16%
Total Revenue
29.18M▲ 0%
47.07M▲ 61.3%
63.67M▲ 35.3%
69.52M▲ 9.2%
70.31M▲ 1.1%
88.68M▲ 26.1%
127.76M▲ 44.1%
137.87M▲ 7.9%
135.89M▼ 1.4%
Revenue Growth %26.33%61.32%35.27%9.18%1.13%26.13%44.07%7.91%-1.44%
Non-Interest Expense15.61M19.98M25.38M30.26M32.87M39.52M45.62M72.97M54.82M
Efficiency Ratio53.49%42.44%39.85%43.52%46.74%44.57%35.7%52.93%40.34%
Operating Income
6.22M▲ 0%
11.3M▲ 81.8%
17.3M▲ 53.1%
19.56M▲ 13.0%
27.96M▲ 42.9%
33.39M▲ 19.4%
32.82M▼ 1.7%
-13.9M▼ 142.4%
19.09M▲ 237.3%
Operating Margin %21.3%24.01%27.18%28.13%39.76%37.65%25.69%-10.09%14.05%
Operating Income Growth %13.68%81.81%53.09%13.04%42.92%19.43%-1.69%-142.36%237.31%
Pretax Income
6.22M▲ 0%
11.3M▲ 81.8%
17.3M▲ 53.1%
19.56M▲ 13.0%
27.96M▲ 42.9%
33.39M▲ 19.4%
32.82M▼ 1.7%
-13.9M▼ 142.4%
19.09M▲ 237.3%
Pretax Margin %21.3%24.01%27.18%28.13%39.76%37.65%25.69%-10.09%14.05%
Income Tax2.33M2.09M3.35M3.84M5.79M6.71M6.24M-3.92M3.48M
Effective Tax Rate %37.55%18.53%19.38%19.65%20.69%20.11%19.01%28.22%18.22%
Net Income
3.88M▲ 0%
9.21M▲ 137.2%
13.95M▲ 51.5%
15.72M▲ 12.7%
22.17M▲ 41.1%
26.67M▲ 20.3%
26.59M▼ 0.3%
-9.98M▼ 137.5%
15.61M▲ 256.4%
Net Margin %13.3%19.56%21.91%22.61%31.53%30.08%20.81%-7.24%11.49%
Net Income Growth %0.18%137.21%51.48%12.67%41.06%20.31%-0.33%-137.54%256.44%
Net Income (Continuing)3.88M9.21M13.95M15.72M22.17M26.67M26.59M-9.98M15.61M
EPS (Diluted)
0.81▲ 0%
1.38▲ 70.4%
1.69▲ 22.5%
1.85▲ 9.5%
2.65▲ 43.2%
3.26▲ 23.0%
3.25▼ 0.3%
-1.60▼ 149.2%
1.76▲ 210.0%
EPS Growth %-6.9%70.37%22.46%9.47%43.24%23.02%-0.31%-149.23%210%
EPS (Basic)0.811.381.691.852.653.263.25-1.601.76
Diluted Shares Outstanding4.78M6.65M8.25M8.13M7.56M7.53M7.52M7.61M7.65M

MNSB Balance Sheet

MainStreet Bancshares, Inc. (MNSB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments88.81M83.86M146.17M223.35M161.74M111.56M113.51M48.92M81.63M
Cash & Due from Banks37.49M27.89M53.38M75.94M61.83M48.93M53.58M47.55M25.18M
Short Term Investments51.31M55.98M92.79M147.41M99.91M62.63M59.93M1.37M56.45M
Total Investments733.17M999.28M1.15B1.46B1.46B1.66B1.78B1.88B2.06B
Investments Growth %38.86%36.3%14.8%27.04%0.32%13.56%7.36%5.61%9.58%
Long-Term Investments681.86M943.3M1.05B1.31B1.36B1.6B1.72B1.88B1.93B
Accounts Receivables3.85M5.15M5.42M9.6M7.7M9.58M12.39M11.31M0
Goodwill & Intangibles00002.49M9.15M14.66M00
Goodwill000000000
Intangible Assets00002.49M9.15M14.66M00
PP&E (Net)13.96M14.22M14.15M14.29M14.86M14.71M13.94M13.29M13.53M
Other Assets19.47M54.08M57.28M86.02M98.5M183.16M158.52M273.57M-1.93B
Total Current Assets92.66M89.01M151.59M232.95M169.44M121.14M125.9M60.23M81.63M
Total Non-Current Assets715.29M1.01B1.13B1.41B1.48B1.8B1.91B2.17B13.53M
Total Assets
807.95M▲ 0%
1.1B▲ 36.2%
1.28B▲ 16.1%
1.64B▲ 28.6%
1.65B▲ 0.3%
1.93B▲ 16.9%
2.04B▲ 5.7%
2.23B▲ 9.5%
2.21B▼ 0.7%
Asset Growth %40.34%36.22%16.12%28.57%0.26%16.9%5.7%9.47%-0.69%
Return on Assets (ROA)0.56%0.97%1.17%1.08%1.35%1.49%1.34%-0.47%0.7%
Accounts Payable000000000
Total Debt68.53M54.78M54.8M14.83M29.29M172.25M87.64M73.04M69.94M
Net Debt31.04M26.89M1.43M-61.1M-32.53M123.31M34.06M25.49M44.76M
Long-Term Debt68.53M54.78M54.8M14.83M29.29M172.25M72.64M73.04M69.94M
Short-Term Debt00000015M00
Other Liabilities2.97M4.45M13.9M22.42M17.36M42.34M40.15M39.27M1.92B
Total Current Liabilities667.65M920.14M1.07B1.44B1.41B1.51B1.7B1.91B0
Total Non-Current Liabilities71.5M59.23M68.7M37.25M46.65M214.58M112.79M112.31M1.99B
Total Liabilities739.15M979.36M1.14B1.48B1.46B1.73B1.81B2.02B1.99B
Total Equity
68.8M▲ 0%
121.25M▲ 76.2%
137.03M▲ 13.0%
167.66M▲ 22.4%
188.79M▲ 12.6%
198.28M▲ 5.0%
221.52M▲ 11.7%
207.99M▼ 6.1%
218.59M▲ 5.1%
Equity Growth %48.29%76.23%13.02%22.35%12.6%5.03%11.72%-6.11%5.1%
Equity / Assets (Capital Ratio)8.52%11.02%10.72%10.2%11.46%10.3%10.88%9.33%9.88%
Return on Equity (ROE)6.74%9.69%10.8%10.32%12.44%13.78%12.67%-4.65%7.32%
Book Value per Share14.4018.2316.6120.6224.9826.3429.4527.3528.56
Tangible BV per Share14.4018.2316.6120.6224.6525.1227.5027.3528.56
Common Stock21.44M32.18M32.4M29.13M29.47M28.74M29.2M29.47M29.01M
Additional Paid-in Capital35.69M74.26M75.12M66.12M67.67M64M65.98M67.82M66.53M
Retained Earnings11.69M15.19M29.1M44.18M64.19M86.83M106.55M91.15M101.56M
Accumulated OCI-19.55K-367K423K977K197K-8.55M-7.48M-7.71M-5.77M
Treasury Stock000000000
Preferred Stock00027.26M27.26M27.26M27.26M27.26M27.26M

MNSB Cash Flow Statement

MainStreet Bancshares, Inc. (MNSB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations6.73M12.59M16.69M17.02M29.12M33.54M31.63M14.74M14.81M
Operating CF Growth %13.76%87.1%32.57%1.94%71.16%15.18%-5.7%-53.4%0.48%
Net Income3.88M9.21M13.95M15.72M22.17M26.67M26.59M-9.98M15.61M
Depreciation & Amortization1.3M1.67M1.83M2.14M2.37M2.58M2.75M4.63M0
Deferred Taxes-1.02M-1.04M-462K-1.75M336K-894K-191K-4.53M0
Other Non-Cash Items1.53M2.84M1.08M3.21M-2.7M1.96M1.09M25.64M-802K
Working Capital Changes514.45K-971K-745K-3.83M5.06M710K-1.09M-3.87M0
Cash from Investing-213.5M-273.42M-161.41M-313.79M-29.25M-228.74M-130.75M-122.28M-38.38M
Purchase of Investments-86.78M-125.42M-175.89M-299.36M-378.62M-226.22M0-845K0
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K0
Net Investment Activity-85.78M-124.42M-174.89M-298.36M-377.62M-225.22M1000K155K0
Acquisitions000000000
Other Investing-195.21M-267.53M-126.31M-259.34M-75.5M-255.63M-134.21M-126.03M-38.38M
Cash from Financing226.19M281.41M151.49M339.45M-14.2M232.59M83.03M200.73M-21.38M
Dividends Paid000-635K-2.16M-4.04M-5.17M-5.2M0
Share Repurchases000-13.8M0-6.92M-43K-732K0
Stock Issued17.82M42.71M0000000
Net Stock Activity17.82M42.71M0-13.8M0-6.92M-43K-732K0
Debt Issuance (Net)1000K-1000K0-1000K1000K1000K-1000K-1000K0
Other Financing194.09M252.47M151.49M366.62M-26.28M100.93M173.24M221.67M-21.38M
Net Change in Cash
19.42M▲ 0%
20.58M▲ 6.0%
6.77M▼ 67.1%
42.68M▲ 530.7%
-14.33M▼ 133.6%
37.4M▲ 361.0%
-16.09M▼ 143.0%
93.19M▲ 679.3%
-44.95M▼ 148.2%
Exchange Rate Effect000000000
Cash at Beginning18.07M37.49M58.08M64.84M107.53M93.2M130.6M114.51M207.71M
Cash at End37.49M58.08M64.84M107.53M93.2M130.6M114.51M207.71M162.76M
Interest Paid5.24M12.07M19.5M16.36M10.16M12.64M45.53M70.89M0
Income Taxes Paid1.85M2.62M4.16M4.62M6.84M6.38M7.28M1.27M0
Free Cash Flow
4.25M▲ 0%
11.22M▲ 163.8%
15.7M▲ 40.0%
15.73M▲ 0.2%
24.82M▲ 57.8%
25.76M▲ 3.8%
25.63M▼ 0.5%
8.95M▼ 65.1%
10.64M▲ 18.8%
FCF Growth %-20.33%163.82%40%0.2%57.78%3.78%-0.52%-65.07%18.84%

MNSB Banking Ratios

MainStreet Bancshares, Inc. (MNSB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)8.76%6.74%9.69%10.8%10.32%12.44%13.78%12.67%-4.65%7.32%
Return on Assets (ROA)0.74%0.56%0.97%1.17%1.08%1.35%1.49%1.34%-0.47%0.7%
Net Interest Margin3.21%2.66%2.83%3.09%2.8%3.25%3.67%3.77%2.81%3.14%
Efficiency Ratio60.24%53.49%42.44%39.85%43.52%46.74%44.57%35.7%52.93%40.34%
Equity / Assets8.06%8.52%11.02%10.72%10.2%11.46%10.3%10.88%9.33%9.88%
Book Value / Share10.3714.418.2316.6120.6224.9826.3429.4527.3528.56
NII Growth18.29%16.08%45.09%26.52%16.59%16.44%31.97%8.62%-18.46%11.14%
Dividend Payout------7.06%11.33%--

MNSB SEC Filings & Documents

MainStreet Bancshares, Inc. (MNSB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Apr 20, 2026·SEC

Material company update

Apr 13, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

MNSB Frequently Asked Questions

MainStreet Bancshares, Inc. (MNSB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

MainStreet Bancshares, Inc. (MNSB) saw revenue decline by 1.4% over the past year.

Yes, MainStreet Bancshares, Inc. (MNSB) is profitable, generating $15.6M in net income for fiscal year 2025 (11.5% net margin).

Dividend & Returns

MainStreet Bancshares, Inc. (MNSB) has a return on equity (ROE) of 7.3%. This is below average, suggesting room for improvement.

Industry Metrics

MainStreet Bancshares, Inc. (MNSB) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

MainStreet Bancshares, Inc. (MNSB) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.

Explore More MNSB

MainStreet Bancshares, Inc. (MNSB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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