MainStreet Bancshares, Inc. (MNSB) Earnings History
Earnings Pressure22 years of earnings data (2004–2025) · 5-year EPS trend is negative
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MainStreet Bancshares, Inc. (MNSB) Earnings Overview
As of November 8, 2026, MainStreet Bancshares, Inc. (MNSB) reported trailing twelve-month net income of $16M, reflecting +210.0% year-over-year growth. The company earned $2.31 per diluted share over the past four quarters, with a net profit margin of 21.1%.
Looking at the long-term picture, MNSB's 5-year EPS compound annual growth rate (CAGR) stands at -1.0%, signaling declining earnings. The company achieved its highest annual net income of $27M in fiscal 2022.
MainStreet Bancshares, Inc. maintains industry-leading profitability with a gross margin of 100.1%, operating margin of 25.9%, and net margin of 21.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($218M net income, 25.7% margin), CARE ($131M net income, 20.5% margin), FXNC ($23M net income, 20.6% margin), MNSB has room to improve margins relative to the peer group. Compare MNSB vs NBTB →
MNSB Earnings vs Peers
Earnings metrics vs comparable public companies
MNSB Historical Earnings Data (2004–2025)
21 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $16M | +256.4% | $19M | $1.76 | 21.1% | 25.9% |
| 2024 | -$10M | -137.5% | -$14M | $-1.60 | -15.2% | -21.1% |
| 2023 | $27M | -0.3% | $33M | $3.25 | 33.2% | 41.0% |
| 2022 | $27M | +20.3% | $33M | $3.26 | 35.4% | 44.3% |
| 2021 | $22M | +41.1% | $28M | $2.65 | 37.2% | 46.9% |
| 2020 | $16M | +12.7% | $20M | $1.85 | 29.4% | 36.6% |
| 2019 | $14M | +51.5% | $17M | $1.69 | 31.5% | 39.1% |
| 2018 | $9M | +137.2% | $11M | $1.38 | 26.8% | 32.8% |
| 2017 | $4M | +0.2% | $6M | $0.81 | 16.4% | 26.2% |
| 2016 | $4M | +78.6% | $5M | $0.87 | 19.3% | 27.3% |
| 2015 | $2M | +23.8% | $3M | $0.49 | 12.8% | 18.1% |
| 2014 | $2M | +73.0% | $3M | $0.61 | 13.3% | 19.0% |
| 2013 | $1M | +2143.6% | $2M | $0.36 | 9.1% | 13.6% |
| 2012 | $45,161 | -95.9% | $515,364 | $0.02 | 0.5% | 5.4% |
| 2011 | $1M | +109.9% | $2M | $0.40 | 7.9% | 12.0% |
| 2009 | $519,076 | +417.0% | $167,076 | $0.19 | 7.5% | 2.4% |
| 2008 | $100,410 | +120.2% | $100,410 | $0.04 | 1.7% | 1.7% |
| 2007 | $-496,289 | -1159.3% | $-496,289 | $-0.19 | -9.1% | -9.1% |
| 2006 | $46,850 | +105.8% | $0 | $0.02 | 1.1% | 0.0% |
| 2005 | $-804,725 | +32.4% | $0 | $-0.47 | -34.3% | 0.0% |
| 2004 | -$1M | - | $0 | $-0.90 | -280.6% | 0.0% |
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MNSB — Frequently Asked Questions
Quick answers to the most common questions about buying MNSB stock.
What is MNSB earnings per share (EPS)?
MNSB trailing twelve-month (TTM) diluted EPS is $2.31, reflecting +210.0% year-over-year growth. The 5-year EPS CAGR is -1.0%. Complete EPS history from 2004 to 2025 is available in the table on this page.
What is MainStreet Bancshares, Inc.'s net income?
MainStreet Bancshares, Inc. (MNSB) trailing twelve-month net income is $16M as of 2025. Earnings grew +210.0% year-over-year.
Is MNSB profitable?
Yes, MNSB is profitable with a TTM net income of $16M and a net profit margin of +21.1%.
What is MNSB's earnings growth rate?
MNSB compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: -18.6%, 5-Year: -1.0%, 10-Year: +13.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2004 to 2025.
What are MNSB's profit margins?
MainStreet Bancshares, Inc. net profit margin is +21.1%, operating margin is +25.9%, and gross margin is +100.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.3%.
Is MNSB growing earnings?
Yes, MNSB earnings are accelerating — EPS growth of +210.0% exceeds the 5-year CAGR of -1.0%. TTM net income reached $16M. Earnings momentum is strengthening.
What was MNSB's best earnings year?
MainStreet Bancshares, Inc.'s highest annual net income on record is $27M, achieved in fiscal year 2022. Earnings history on this page spans 2004 to 2025 and includes all annual and quarterly figures.
What were MNSB's earnings last quarter?
MNSB's most recent reported quarter was Q3 2026. Net income was $4M with diluted EPS of $0.43. For a full breakdown of all quarters, see the quarterly earnings table on this page.