Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
MainStreet Bancshares, Inc.'s quarterly P/E stands at 11.1x.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.56 | 11.07 | 10.01 | 8.92 | 16.72 | — | — | 16.42 | 12.61 | 10.17 | 6.67 | 6.66 | 5.81 |
| — | — | — | -45.7% | +32.6% | — | — | +146.3% | +116.9% | +40.6% | +13.4% | -16.9% | -38.8% | |
| P/S Ratio | 1.29 | 1.17 | 1.20 | 1.03 | 0.94 | 0.96 | 1.02 | 0.99 | 1.04 | 1.38 | 1.18 | 1.35 | 1.49 |
| — | +22.7% | +18.0% | +4.4% | -9.4% | -30.4% | -14.0% | -27.1% | -30.2% | -27.7% | -35.3% | -37.0% | -40.7% | |
| P/B Ratio | 0.84 | 0.70 | 0.73 | 0.68 | 0.61 | 0.66 | 0.62 | 0.60 | 0.62 | 0.84 | 0.72 | 0.81 | 0.86 |
| — | +6.5% | +18.5% | +13.6% | -1.7% | -21.5% | -14.2% | -25.9% | -28.1% | -18.2% | -19.3% | -11.6% | -12.5% | |
| P/FCF | 16.52 | 6.00 | 7.36 | — | 22.86 | 7.23 | 13.32 | — | 17.26 | 11.57 | 4.62 | 7.18 | 6.05 |
| — | -17.0% | -44.7% | — | +32.5% | -37.5% | +188.3% | — | +185.2% | +87.4% | -29.3% | -10.5% | -27.0% | |
| EV / EBITDA | 11.48 | 10.10 | 7.76 | 3.98 | 1.25 | — | 38.31 | 10.75 | 8.08 | 7.79 | 5.36 | 5.56 | 3.01 |
| — | — | -79.8% | -62.9% | -84.5% | — | +615.1% | +93.3% | +168.5% | +0.3% | +13.6% | -5.6% | -62.8% | |
| EV / EBIT | 11.48 | 10.10 | 9.47 | 4.87 | 1.74 | — | 443.92 | 14.53 | 9.78 | 8.81 | 5.80 | 5.97 | 3.20 |
| — | — | -97.9% | -66.5% | -82.2% | — | +7558.0% | +143.4% | +205.9% | +5.7% | +15.5% | -6.3% | -63.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
MainStreet Bancshares, Inc.'s operating margin was 14.9% in Q4 2025, down 1.3 pp QoQ and up 73.3 pp YoY. Gross margin expanded 44.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.4% | 54.0% | 53.6% | 57.7% | 51.5% | 37.4% | 38.6% | 45.4% | 50.0% | 51.3% | 59.4% | 61.7% | 73.6% |
| — | +44.5% | +38.9% | +27.1% | +3.0% | -27.0% | -35.0% | -26.4% | -32.1% | -33.0% | -28.9% | -26.7% | -12.5% | |
| Operating Margin | 14.0% | 14.9% | 16.2% | 16.0% | 9.2% | -58.4% | 0.3% | 8.4% | 12.4% | 18.5% | 24.1% | 27.3% | 34.1% |
| — | +125.5% | +5654.2% | +91.5% | -25.6% | -416.4% | -98.8% | -69.4% | -63.5% | -49.6% | -41.4% | -26.2% | -4.3% | |
| Net Margin | 11.5% | 12.4% | 13.5% | 13.0% | 7.2% | -45.0% | 0.8% | 7.7% | 9.9% | 15.2% | 19.4% | 22.0% | 27.5% |
| — | +127.5% | +1657.4% | +69.6% | -27.2% | -396.7% | -96.0% | -65.3% | -63.9% | -46.3% | -41.7% | -25.4% | -6.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.3% | 1.9% | 2.1% | 2.2% | 1.2% | -7.4% | 0.1% | 1.2% | 1.5% | 2.4% | 3.0% | 3.3% | 4.0% |
| — | +124.9% | +1678.9% | +85.6% | -21.0% | -415.0% | -96.1% | -65.0% | -63.2% | -39.4% | -27.0% | +6.3% | +40.7% | |
| ROA | 0.7% | 0.2% | 0.2% | 0.2% | 0.1% | -0.7% | 0.0% | 0.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.4% |
| — | +125.7% | +1632.5% | +68.2% | -31.6% | -386.2% | -96.1% | -63.7% | -60.7% | -36.6% | -24.7% | +4.0% | +28.7% | |
| ROIC | 5.0% | 1.3% | 1.4% | 1.5% | 0.8% | -5.4% | 0.0% | 0.7% | 1.0% | 1.6% | 2.0% | 1.9% | 2.0% |
| — | +123.4% | +5708.2% | +107.4% | -18.5% | -443.9% | -98.8% | -61.0% | -49.0% | -32.3% | -28.3% | -6.5% | +5.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
MainStreet Bancshares, Inc.'s Debt/EBITDA ratio is 14.3x, up from 10.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 31.0% YoY to 0.02x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.32 | 0.32 | 0.32 | 0.33 | 0.34 | 0.35 | 0.32 | 0.32 | 0.33 | 0.40 | 0.34 | 0.49 | 0.87 |
| — | -8.9% | -0.9% | +3.0% | +5.6% | -11.2% | -4.9% | -33.4% | -62.5% | -54.5% | -10.6% | +27.3% | +46.5% | |
| Debt / EBITDA | 3.66 | 14.30 | 10.57 | 10.30 | 16.57 | — | 64.89 | 18.86 | 14.52 | 12.36 | 8.53 | 11.10 | 16.57 |
| — | — | -83.7% | -45.4% | +14.1% | — | +660.5% | +69.9% | -12.3% | -24.3% | +20.2% | +23.5% | +7.0% | |
| Current Ratio | 0.02 | 0.02 | 0.02 | 0.07 | 0.13 | 0.03 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.09 | 0.18 |
| — | -31.0% | -61.9% | +7.7% | +86.4% | -57.3% | -12.9% | -25.8% | -61.1% | -7.6% | -52.9% | -37.9% | +29.8% | |
| Quick Ratio | 0.02 | 0.02 | 0.02 | 0.07 | 0.13 | 0.03 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.09 | 0.18 |
| — | -31.0% | -61.9% | +7.7% | +86.4% | -57.3% | -12.9% | -25.8% | -61.1% | -7.6% | -52.9% | -37.9% | +29.8% | |
| Interest Coverage | 0.31 | 0.33 | 0.35 | 0.36 | 0.19 | -1.10 | 0.01 | 0.16 | 0.25 | 0.39 | 0.60 | 0.75 | 1.34 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying MNSB stock.
MainStreet Bancshares, Inc.'s current P/E is 13.6x. The average P/E over the last 4 quarters is 11.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
MainStreet Bancshares, Inc.'s current operating margin is 14.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking MainStreet Bancshares, Inc.'s business trajectory between earnings reports.