MainStreet Bancshares, Inc.

MNSB

NASDAQ · Regional Banks

$22.11

At close - Nov 6, 4:00 PM EST - USD

Market Cap$157M

P/E9.6x

52W High$25.87

Volume37.99K

VCP Research Verdict2026Q2

Recovering Earnings Base Faces Thin Fee Income Risk

MainStreet Bancshares appears to be rebuilding earnings following the 2024Q4 loss, with net income rising from $2.5M in 2025Q1 to $4.7M in 2026Q2 and EPS of $0.57 in the latest quarter.

GrowthMixed

ProfitabilityModerate

ValuationAttractive

TechnicalsWeak

Explore valuation models

MARKET ACTION

MNSB price & volume

Price trend, volume and key moving averages

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Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return

MNSB+12.81%

S&P 500 (^GSPC)+7.63%

1-Year Return

MNSB+23.79%

S&P 500 (^GSPC)+9.69%

3-Year Return

MNSB+12.21%

S&P 500 (^GSPC)+71.68%

5-Year Return

MNSB-6.85%

S&P 500 (^GSPC)+59.54%

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis

Trailing P/E5Y High

9.6x

Forward P/E

10.6x

EV/EBITDA25th %ile

5.3x

FCF YieldCash Flow

6.8%

Valuation vs 5-Year History

Multiple Range

Metric

Current

5Y Median

Historical Range

Percentile

P/E

9.6x

9.3x

75th· Fair

EV/EBITDA

5.3x

8.3x

25th· Low

Price/FCF

14.8x

8.0x

80th· High

Current Multiple

5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection

No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend

Revenue FY25

$74M+12.2% YoY

Net income FY25

$16M+256.4% YoY

Free cash flow FY25

$11M+18.8% YoY

Operating margin FY25

25.9%+47.0 pts YoY

ROIC (FY25)5%

Avg ROIC 5Y5.5%

ROE (TTM)7.6%

Piotroski Score6 / 9

Financial Statements →

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History

EPS Beat Rate5/12 (45%)

Revenue Beat Rate4/12 (36%)

Quarter	EPS (Act vs Est)	Revenue (Act vs Est)
Q4 2026Latest Oct 26, 2026	$0.43-6.5% vs $0.46	$34M+55.4% vs $22M
Q3 2026 Jul 20, 2026	$0.58+9.4% vs $0.53	$19M-9.4% vs $21M
Q2 2026 Apr 20, 2026	$0.48+6.7% vs $0.45	$18M-11.8% vs $20M
Q1 2026 Jan 26, 2026	$0.46-6.1% vs $0.49	$18M-7.9% vs $20M

Historical baseline: 12 quarters analyzedGAAP / Adjusted

MARKET COVERAGE

Latest News

1 Story

Defense World·Sep 24, 2026

MainStreet Bank (NASDAQ:MNSB) and Bank of Communications (OTCMKTS:BCMXY) Head-To-Head Contrast

Bank of Communications (OTCMKTS:BCMXY - Get Free Report) and MainStreet Bank (NASDAQ: MNSB - Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, earnings, dividends, profitability, valuation and risk. Risk and Volatility Bank of Communications has

Filtered for MainStreet Bancshares, Inc.More Headlines

Compare before deciding

Benchmark MNSB against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for MainStreet Bancshares, Inc. (MNSB)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
MNSBMainStreet Bancshares, Inc.Current	$22.11	$157.37M	9.58	12.18%	22.04%	7.61%	1.8%
NBTBNBT Bancorp Inc.	$52.83	$2.75B	12.68	14.54%	28.98%	11.31%	2.7%
CARECarter Bankshares, Inc.	$28.69	$635.83M	4.78	15.73%	50.04%	26.3%	—
FXNCFirst National Corporation	$30.42	$275.03M	12.00	33.46%	24.12%	12.06%	2.01%
MVBFMVB Financial Corp.	$25.91	$332.94M	15.57	34.4%	13.2%	6.58%	2.56%
UBSIUnited Bankshares, Inc.	$48.22	$6.64B	12.88	20.13%	41.28%	9.37%	3.07%

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

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

MNSB SEC Filings & Documents

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

8-K Announcements

Material company update

Aug 21, 2026·SEC

Material company update

Jul 21, 2026·SEC

Material company update

Jul 20, 2026·SEC

10-K Annual Reports

FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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MNSB Frequently Asked Questions

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

Growth & Financials

How fast is MainStreet Bancshares, Inc. growing?

MainStreet Bancshares, Inc. (MNSB) grew revenue by 3.2% over the trailing twelve months, compared with the twelve months before.

Is MNSB profitable?

Yes. MainStreet Bancshares, Inc. (MNSB) earned $16.4M in net income over the trailing twelve months (a 22.0% net margin).

Dividend & Returns

Does MNSB pay dividends?

Yes. MainStreet Bancshares, Inc. (MNSB) pays a dividend that yields 1.80% at the current price, a moderate yield.

What is MNSB's return on equity?

MainStreet Bancshares, Inc. (MNSB) had a return on equity (ROE) of 7.6% over the trailing twelve months. That is below the market's typical 10-15%.

Industry Metrics

What is MainStreet Bancshares, Inc.'s net interest margin?

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

What is MainStreet Bancshares, Inc.'s efficiency ratio?

MainStreet Bancshares, Inc. (MNSB) has an efficiency ratio of 74.2%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in MNSB back in 2004?

Total return calculator · dividends reinvested · 22+ years of data

See returns →

Quarter

EPS (Act vs Est)

Revenue (Act vs Est)

Q4 2026Latest

Oct 26, 2026

$0.43-6.5%

vs $0.46

$34M+55.4%

vs $22M

Q3 2026

Jul 20, 2026

$0.58+9.4%

vs $0.53

$19M-9.4%

vs $21M

Q2 2026

Apr 20, 2026

$0.48+6.7%

vs $0.45

$18M-11.8%

vs $20M

Q1 2026

Jan 26, 2026

$0.46-6.1%

vs $0.49

$18M-7.9%

vs $20M

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

MNSBMainStreet Bancshares, Inc.Current

$22.11

$157.37M

9.58

12.18%

22.04%

7.61%

1.8%

NBTBNBT Bancorp Inc.

$52.83

$2.75B

12.68

14.54%

28.98%

11.31%

2.7%

CARECarter Bankshares, Inc.

$28.69

$635.83M

4.78

15.73%

50.04%

26.3%

—

FXNCFirst National Corporation

$30.42

$275.03M

12.00

33.46%

24.12%

12.06%

2.01%

MVBFMVB Financial Corp.

$25.91

$332.94M

15.57

34.4%

13.2%

6.58%

2.56%

UBSIUnited Bankshares, Inc.

$48.22

$6.64B

12.88

20.13%

41.28%

9.37%

3.07%