Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.58 | 14.38 | 10.83 | 11.56 | 11.07 | 10.01 | 8.92 | 16.72 | — | — | 16.42 | 12.61 | 10.17 | 6.67 | 6.66 | 5.81 | 7.23 | 5.88 | 8.02 | 9.50 | 10.98 |
| — | +43.6% | +21.5% | -30.8% | — | — | -45.7% | +32.6% | — | — | +146.3% | +116.9% | +40.6% | +13.4% | -16.9% | -38.8% | -34.1% | -45.1% | +23.6% | +18.9% | +138.9% | |
| P/S Ratio | 2.11 | 2.26 | 2.37 | 2.32 | 2.13 | 2.22 | 1.83 | 1.83 | 2.04 | 2.16 | 2.09 | 2.10 | 2.61 | 1.96 | 2.12 | 2.00 | 2.36 | 2.19 | 2.48 | 2.84 | 3.01 |
| — | +2.0% | +29.0% | +26.8% | +4.5% | +2.7% | -12.1% | -13.1% | -21.8% | +10.0% | -1.7% | +5.3% | +10.8% | -10.2% | -14.4% | -29.7% | -21.7% | -29.2% | -15.3% | +8.6% | +38.2% | |
| P/B Ratio | 0.77 | 0.82 | 0.84 | 0.77 | 0.70 | 0.73 | 0.68 | 0.61 | 0.66 | 0.62 | 0.60 | 0.62 | 0.84 | 0.72 | 0.81 | 0.86 | 1.03 | 0.90 | 0.92 | 0.98 | 0.99 |
| — | +11.5% | +23.7% | +26.9% | +6.5% | +18.5% | +13.6% | -1.7% | -21.5% | -14.2% | -25.9% | -28.1% | -18.2% | -19.3% | -11.6% | -12.5% | +4.2% | -9.2% | -3.5% | +8.6% | +27.4% | |
| P/FCF | 14.79 | — | 9.33 | 6.39 | 6.00 | 7.36 | — | 22.86 | 7.23 | 13.32 | — | 17.26 | 11.57 | 4.62 | 7.18 | 6.05 | 6.18 | 6.54 | 8.02 | 8.29 | 21.53 |
| — | — | — | -72.1% | -17.0% | -44.7% | — | +32.5% | -37.5% | +188.3% | — | +185.2% | +87.4% | -29.3% | -10.5% | -27.0% | -71.3% | -26.9% | -8.6% | +169.3% | +242.4% | |
| EV / EBITDA | 5.31 | 2.85 | 8.96 | 2.64 | 8.03 | 7.76 | 3.98 | 1.25 | — | 38.31 | 10.75 | 8.08 | 7.79 | 5.36 | 5.56 | 3.01 | 7.76 | 4.72 | 5.89 | 8.09 | 5.44 |
| — | -63.3% | +125.1% | +110.5% | — | -79.8% | -62.9% | -84.5% | — | +615.1% | +93.3% | +168.5% | +0.3% | +13.6% | -5.6% | -62.8% | +42.8% | -19.7% | +142.6% | +349.1% | +224.8% | |
| EV / EBIT | 10.52 | 2.85 | 8.96 | 3.18 | 10.10 | 9.47 | 4.87 | 1.74 | — | 443.92 | 14.53 | 9.78 | 8.81 | 5.80 | 5.97 | 3.20 | 8.33 | 5.02 | 6.37 | 8.86 | 5.96 |
| — | -69.9% | +84.0% | +82.3% | — | -97.9% | -66.5% | -82.2% | — | +7558.0% | +143.4% | +205.9% | +5.7% | +15.5% | -6.3% | -63.9% | +39.9% | -22.7% | +145.6% | +357.6% | +236.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.1% | 90.1% | 96.9% | 100.7% | 98.2% | 99.2% | 102.7% | 100.0% | 79.8% | 82.1% | 96.1% | 101.2% | 97.4% | 98.7% | 96.8% | 98.7% | 94.8% | 100.0% | 97.2% | 95.1% | 98.1% |
| — | -9.2% | -5.6% | +0.7% | +23.1% | +20.9% | +7.0% | -1.2% | -18.1% | -16.9% | -0.8% | +2.5% | +2.7% | -1.3% | -0.4% | +3.8% | -3.3% | +2.0% | -14.9% | -2.8% | -18.1% | |
| Operating Margin | 25.9% | 23.9% | 32.2% | 29.9% | 27.1% | 29.9% | 28.5% | 18.0% | -124.6% | 0.6% | 17.7% | 25.2% | 35.1% | 40.0% | 42.8% | 45.8% | 45.4% | 49.1% | 42.6% | 40.3% | 41.8% |
| — | -20.3% | +13.1% | +66.6% | +121.7% | +4909.3% | +61.1% | -28.7% | -455.2% | -98.5% | -58.7% | -45.0% | -22.7% | -18.7% | +0.4% | +13.5% | +8.6% | +21.5% | -29.2% | -11.4% | -36.1% | |
| Net Margin | 21.1% | 18.5% | 24.4% | 22.9% | 22.5% | 25.0% | 23.1% | 14.1% | -96.0% | 1.6% | 16.2% | 20.1% | 28.8% | 32.2% | 34.6% | 36.9% | 35.0% | 39.8% | 34.1% | 33.1% | 31.1% |
| — | -25.8% | +5.6% | +62.9% | +123.4% | +1430.1% | +42.7% | -30.2% | -433.1% | -94.9% | -53.2% | -45.4% | -17.7% | -19.0% | +1.4% | +11.3% | +12.6% | +22.3% | -30.4% | -9.2% | -39.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.3% | 1.7% | 2.2% | 1.9% | 1.9% | 2.1% | 2.2% | 1.2% | -7.4% | 0.1% | 1.2% | 1.5% | 2.4% | 3.0% | 3.3% | 4.0% | 3.9% | 4.1% | 3.1% | 2.9% | 2.6% |
| — | -19.8% | +0.2% | +61.0% | +124.9% | +1678.9% | +85.6% | -21.0% | -415.0% | -96.1% | -65.0% | -63.2% | -39.4% | -27.0% | +6.3% | +40.7% | +51.2% | +55.6% | -22.4% | -10.4% | -42.9% | |
| ROA | 0.7% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | -0.7% | 0.0% | 0.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% |
| — | -24.5% | -1.2% | +67.8% | +125.7% | +1632.5% | +68.2% | -31.6% | -386.2% | -96.1% | -63.7% | -60.7% | -36.6% | -24.7% | +4.0% | +28.7% | +37.5% | +49.1% | -19.2% | -1.2% | -38.2% | |
| ROIC | 5.0% | 1.2% | 1.6% | 1.4% | 1.3% | 1.4% | 1.5% | 0.8% | -5.4% | 0.0% | 0.7% | 1.0% | 1.6% | 2.0% | 1.9% | 2.0% | 2.3% | 2.7% | 2.0% | 1.9% | 2.2% |
| — | -13.8% | +8.4% | +67.7% | +123.4% | +5708.2% | +107.4% | -18.5% | -443.9% | -98.8% | -61.0% | -49.0% | -32.3% | -28.3% | -6.5% | +5.5% | +6.3% | +36.9% | -38.6% | -30.8% | -44.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.32 | 0.33 | 0.33 | 0.33 | 0.32 | 0.32 | 0.33 | 0.34 | 0.35 | 0.32 | 0.32 | 0.33 | 0.40 | 0.34 | 0.49 | 0.87 | 0.87 | 0.38 | 0.38 | 0.59 | 0.16 |
| — | +2.1% | -2.0% | -5.3% | -8.9% | -0.9% | +3.0% | +5.6% | -11.2% | -4.9% | -33.4% | -62.5% | -54.5% | -10.6% | +27.3% | +46.5% | +459.8% | +72.0% | +69.3% | +588.0% | +75.4% | |
| Debt / EBITDA | 2.91 | 3.68 | 11.38 | 10.87 | 11.37 | 10.57 | 10.30 | 16.57 | — | 64.89 | 18.86 | 14.52 | 12.36 | 8.53 | 11.10 | 16.57 | 16.32 | 7.10 | 8.98 | 15.48 | 4.13 |
| — | -65.2% | +10.5% | -34.4% | — | -83.7% | -45.4% | +14.1% | — | +660.5% | +69.9% | -12.3% | -24.3% | +20.2% | +23.5% | +7.0% | +295.2% | +14.6% | +107.2% | +662.4% | +187.5% | |
| Current Ratio | 0.02 | 0.09 | 0.02 | 0.14 | 0.02 | 0.02 | 0.07 | 0.13 | 0.03 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.09 | 0.18 | 0.08 | 0.14 | 0.14 | 0.14 | 0.12 |
| — | +325.4% | -64.0% | +7.3% | -31.0% | -61.9% | +7.7% | +86.4% | -57.3% | -12.9% | -25.8% | -61.1% | -7.6% | -52.9% | -37.9% | +29.8% | -33.3% | -17.6% | -31.7% | -32.2% | -25.9% | |
| Quick Ratio | 0.02 | 0.09 | 0.02 | 0.14 | 0.02 | 0.02 | 0.07 | 0.13 | 0.03 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.09 | 0.18 | 0.08 | 0.14 | 0.14 | 0.14 | 0.12 |
| — | +325.4% | -64.0% | +7.3% | -31.0% | -61.9% | +7.7% | +86.4% | -57.3% | -12.9% | -25.8% | -61.1% | -7.6% | -52.9% | -37.9% | +29.8% | -33.3% | -17.6% | -31.7% | -32.2% | -25.9% | |
| Interest Coverage | 0.31 | 1.32 | 0.44 | 0.39 | 0.33 | 0.35 | 0.36 | 0.19 | -1.10 | 0.01 | 0.16 | 0.25 | 0.39 | 0.60 | 0.75 | 1.34 | 1.90 | 2.50 | 2.75 | 3.07 | 2.77 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 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 9.6x. The average P/E over the last 4 quarters is 12.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
MainStreet Bancshares, Inc.'s current operating margin is 25.9%. Margins have been compressing 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.