MainStreet Bancshares, Inc. (MNSB) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.58
↑+50% vs avg
5yr avg: 7.72
30Y Low3.5·High77.0
P/FCF
↑
16.70
↑+58% vs avg
5yr avg: 10.57
30Y Low7.3·High96.2
P/B Ratio
↓
0.84
-1% vs avg
5yr avg: 0.85
30Y Low0.6·High1.5
ROE
↓
7.3%
-12% vs avg
5yr avg: 8.3%
30Y Low-11%·High14%
Debt/EBITDA
↑
3.66
↑+23% vs avg
5yr avg: 2.97
30Y Low0.3·High49.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MNSB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
MainStreet Bancshares, Inc. trades at 13.7x earnings, 48% above its 5-year average of 9.2x, sitting at the 53rd percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x. On a free-cash-flow basis, the stock trades at 16.7x P/FCF, 58% above the 5-year average of 10.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $178M | $156M | $138M | $187M | $207M | $186M | $137M | $190M | $113M | $80M | $60M |
| Enterprise Value | $221M | $199M | $163M | $221M | $330M | $153M | $76M | $191M | $140M | $111M | $97M |
| P/E Ratio → | 13.70 | 11.57 | — | 7.63 | 8.43 | 9.28 | 9.14 | 13.61 | 12.36 | 20.60 | 15.54 |
| P/S Ratio | 1.31 | 1.15 | 1.00 | 1.46 | 2.33 | 2.64 | 1.98 | 2.98 | 2.41 | 2.73 | 2.62 |
| P/B Ratio | 0.84 | 0.71 | 0.66 | 0.84 | 1.04 | 0.98 | 0.82 | 1.38 | 0.94 | 1.16 | 1.30 |
| P/FCF | 16.70 | 14.65 | 15.38 | 7.28 | 8.03 | 7.49 | 8.74 | 12.09 | 10.12 | 18.76 | 11.33 |
| P/OCF | 11.99 | 10.52 | 9.34 | 5.90 | 6.17 | 6.38 | 8.08 | 11.37 | 9.01 | 11.85 | 10.22 |
P/E links to full P/E history page with 30-year chart
MNSB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
MainStreet Bancshares, Inc.'s enterprise value stands at 11.6x EBITDA, 50% above its 5-year average of 7.7x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.47 | 1.18 | 1.73 | 3.72 | 2.18 | 1.10 | 3.00 | 2.98 | 3.80 | 4.22 |
| EV / EBITDA | 11.58 | 10.44 | — | 6.21 | 9.18 | 5.06 | 3.52 | 9.99 | 10.82 | 14.73 | 14.82 |
| EV / EBIT | 11.58 | 10.44 | — | 6.72 | 9.89 | 5.49 | 3.91 | 11.05 | 12.42 | 17.82 | 17.81 |
| EV / FCF | — | 18.74 | 18.23 | 8.61 | 12.82 | 6.18 | 4.86 | 12.18 | 12.52 | 26.06 | 18.26 |
MNSB Profitability
Margins and return-on-capital ratios measuring operating efficiency
MainStreet Bancshares, Inc. earns an operating margin of 14.0%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 25.7% to 14.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.3% is modest, trailing the sector median of 9.0%. ROIC of 5.0% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.4% | 54.4% | 42.8% | 61.4% | 82.2% | 86.5% | 71.7% | 67.0% | 66.5% | 74.8% | 83.9% |
| Operating Margin | 14.0% | 14.0% | -10.1% | 25.7% | 37.7% | 39.8% | 28.1% | 27.2% | 24.0% | 21.3% | 23.7% |
| Net Profit Margin | 11.5% | 11.5% | -7.2% | 20.8% | 30.1% | 31.5% | 22.6% | 21.9% | 19.6% | 13.3% | 16.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.3% | 7.3% | -4.6% | 12.7% | 13.8% | 12.4% | 10.3% | 10.8% | 9.7% | 6.7% | 8.8% |
| ROA | 0.7% | 0.7% | -0.5% | 1.3% | 1.5% | 1.3% | 1.1% | 1.2% | 1.0% | 0.6% | 0.7% |
| ROIC | 5.0% | 5.0% | -3.5% | 7.2% | 8.5% | 10.5% | 7.8% | 7.1% | 5.4% | 3.9% | 4.3% |
| ROCE | 6.0% | 6.0% | -4.2% | 8.8% | 10.3% | 12.7% | 9.5% | 8.9% | 7.0% | 5.1% | 5.6% |
MNSB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
MainStreet Bancshares, Inc. carries a Debt/EBITDA ratio of 3.7x, which is moderately leveraged (14% below the sector average of 4.3x). Net debt stands at $43M ($70M total debt minus $26M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.32 | 0.32 | 0.35 | 0.40 | 0.87 | 0.16 | 0.09 | 0.40 | 0.45 | 1.00 | 1.17 |
| Debt / EBITDA | 3.66 | 3.66 | — | 2.46 | 4.79 | 0.97 | 0.68 | 2.86 | 4.22 | 9.11 | 8.25 |
| Net Debt / Equity | — | 0.20 | 0.12 | 0.15 | 0.62 | -0.17 | -0.36 | 0.01 | 0.22 | 0.45 | 0.80 |
| Net Debt / EBITDA | 2.28 | 2.28 | — | 0.96 | 3.43 | -1.07 | -2.82 | 0.07 | 2.07 | 4.13 | 5.62 |
| Debt / FCF | — | 4.09 | 2.85 | 1.33 | 4.79 | -1.31 | -3.88 | 0.09 | 2.40 | 7.30 | 6.92 |
| Interest Coverage | 0.31 | 0.31 | -0.19 | 0.69 | 2.50 | 2.62 | 1.22 | 0.89 | 0.89 | 1.14 | 1.78 |
MNSB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.02x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.07x to 0.02x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.02 | 0.02 | 0.03 | 0.07 | 0.08 | 0.12 | 0.16 | 0.14 | 0.10 | 0.14 | 0.12 |
| Quick Ratio | 0.02 | 0.02 | 0.03 | 0.07 | 0.08 | 0.12 | 0.16 | 0.14 | 0.10 | 0.14 | 0.12 |
| Cash Ratio | 0.01 | 0.01 | 0.02 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.03 | 0.06 | 0.04 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MNSB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
MainStreet Bancshares, Inc. returns 4.1% to shareholders annually — split between a 1.7% dividend yield and 2.4% buyback yield. The payout ratio of 19.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.7% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 19.5% | 19.5% | — | 11.3% | 7.1% | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.3% | 8.6% | — | 13.1% | 11.9% | 10.8% | 10.9% | 7.3% | 8.1% | 4.9% | 6.4% |
| FCF Yield | 6.0% | 6.8% | 6.5% | 13.7% | 12.4% | 13.4% | 11.4% | 8.3% | 9.9% | 5.3% | 8.8% |
| Buyback Yield | 2.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 4.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $7M | $5M | $4M |
Peer Comparison
Compare MNSB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MNSBYou | $178M | 13.7 | 11.6 | 16.7 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CARE | $698M | 22.5 | 19.3 | 22.0 | 61.7% | 15.7% | 7.8% | 5.7% | 4.5 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 MVBF | $357M | 13.5 | 5.2 | 168.8 | 71.7% | 13.6% | 8.4% | 7.0% | 2.1 |
 UBSI | $6B | 13.7 | 7.9 | 13.0 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
 FUNC | $275M | 11.2 | 7.9 | 17.8 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 NKSH | $227M | 14.3 | 11.5 | 15.0 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 CFFI | $247M | 9.1 | 10.5 | 11.1 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 BWFG | $449M | 12.6 | 7.7 | 17.2 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 FIS | $19B | 50.3 | 6.3 | 6.9 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 21 years · Updated daily
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MNSB — Frequently Asked Questions
Quick answers to the most common questions about buying MNSB stock.
What is MainStreet Bancshares, Inc.'s P/E ratio?
MainStreet Bancshares, Inc.'s current P/E ratio is 13.7x. The historical average is 22.0x. This places it at the 53th percentile of its historical range.
What is MainStreet Bancshares, Inc.'s EV/EBITDA?
MainStreet Bancshares, Inc.'s current EV/EBITDA is 11.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 20.0x.
What is MainStreet Bancshares, Inc.'s ROE?
MainStreet Bancshares, Inc.'s return on equity (ROE) is 7.3%. The historical average is 4.4%.
Is MNSB stock overvalued?
Based on historical data, MainStreet Bancshares, Inc. is trading at a P/E of 13.7x. This is at the 53th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is MainStreet Bancshares, Inc.'s dividend yield?
MainStreet Bancshares, Inc.'s current dividend yield is 1.65% with a payout ratio of 19.5%.
What are MainStreet Bancshares, Inc.'s profit margins?
MainStreet Bancshares, Inc. has 54.4% gross margin and 14.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does MainStreet Bancshares, Inc. have?
MainStreet Bancshares, Inc.'s Debt/EBITDA ratio is 3.7x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.