Symbols / MNSB Stock $23.41 +1.21% MainStreet Bancshares, Inc.

Financial Services • Banks - Regional • United States • NCM
MNSB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Jeff W. Dick
Exch · Country NCM · United States
Market Cap 172.44M
Enterprise Value 92.92M
Income 15.10M
Sales 74.28M
FCF (ttm) —
Book/sh 26.52
Cash/sh 23.75
Employees 168
Insider 10d —
IPO Sep 06, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 20.10%
P/E 11.76
Forward P/E 9.75
PEG —
P/S 2.32
P/B 0.88
P/C —
EV/EBITDA —
EV/Sales 1.25
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.99
EPS next Y 2.40
EPS Growth 90.30%
Revenue Growth 3.30%
EPS Gr Q/Q 67.10%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-04-20
ROA 0.78%
ROE 8.13%
ROIC —
Gross Margin 0.00%
Oper. Margin 30.93%
Profit Margin 23.23%
Shs Outstand 7.32M
Shs Float 4.73M
Insider Own 15.88%
Instit Own 66.34%
Short Float 2.92%
Short Ratio 4.10
Short Interest 183.93K
52W High 25.17
vs 52W High -6.99%
52W Low 17.86
vs 52W Low 31.08%
Beta 0.55
Impl. Vol. —
Rel Volume 0.34
Avg Volume 57.41K
Volume 19.50K
Target (mean) $27.50
Tgt Median $27.50
Tgt Low $27.50
Tgt High $27.50
# Analysts 1
Recom Strong_buy
Prev Close $23.13
Price $23.41
Change 1.21%
About

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. It offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. The company also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, it offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. The company operates in Herndon, Fairfax, McLean, Clarendon, Leesburg, Middleburg, Virginia, and Washington D.C., as well as automated teller machines. MainStreet Bancshares, Inc. was formerly known as MainStreet Bank (Fairfax, VA) and changed its name to MainStreet Bancshares, Inc. in July 2016. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$27.50
Mean price target
2. Current target
$23.41
Latest analyst target
3. DCF / Fair value
$29.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$23.41
Low
$27.50
High
$27.50
Mean
$27.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2023-07-25 down Stephens & Co. Overweight → Equal-Weight $24
2021-07-22 main Stephens & Co. — → Overweight $26
2021-06-22 init Stephens & Co. — → Overweight $26
News
RSS: Latest MNSB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2020-10-09 SAEGER TERRY M Director — 1,084 $13.84 $15,003
2020-10-09 GREEN DARRELL R Director — 1,084 $13.84 $15,003
2020-10-09 BENNETT ELIZABETH S Director — 542 $13.84 $7,501
2020-10-09 RUST PATSY Director — 542 $13.84 $7,501
2020-08-19 HERSIBURANE ABDULHAMID President — 10,000 $14.02 $140,200
2020-07-01 SAEGER TERRY M Director — 1,132 $13.25 $14,999
2020-07-01 GREEN DARRELL R Director — 1,132 $13.25 $14,999
2020-07-01 BENNETT ELIZABETH S Director — 566 $13.25 $7,500
2020-07-01 RUST PATSY Director — 566 $13.25 $7,500
2020-04-15 HADDOCK PAUL THOMAS Director — 530 $14.16 $7,505
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
73.30
+11.35%
65.83
-17.80%
80.08
+6.34%
75.31
Operating Revenue
73.30
+11.35%
65.83
-17.80%
80.08
+6.34%
75.31
Selling General And Administration
36.77
+5.22%
34.95
+6.99%
32.66
+18.28%
27.61
Selling And Marketing Expense
2.05
-6.73%
2.20
-6.15%
2.34
+1.69%
2.30
General And Administrative Expense
34.72
+6.02%
32.75
+8.00%
30.32
+19.79%
25.31
Salaries And Wages
31.59
+3.65%
30.48
+7.81%
28.27
+18.76%
23.80
Other Gand A
1.00
+7.21%
0.93
+0.76%
0.92
+5.73%
0.87
Reconciled Depreciation
4.94
+6.60%
4.63
+68.82%
2.75
+6.44%
2.58
Total Unusual Items
0.27
+101.38%
-19.72
0.00
0.00
Total Unusual Items Excluding Goodwill
0.27
+101.38%
-19.72
0.00
0.00
Special Income Charges
0.27
+101.38%
-19.72
0.00
0.00
Impairment Of Capital Assets
0.00
-100.00%
19.72
0.00
0.00
Net Income
15.61
+256.44%
-9.98
-137.54%
26.59
-0.33%
26.67
Pretax Income
19.09
+237.31%
-13.90
-142.36%
32.82
-1.69%
33.39
Net Interest Income
69.55
+11.14%
62.57
-18.46%
76.74
+8.62%
70.65
Interest Expense
62.04
-13.88%
72.04
+51.10%
47.68
+256.64%
13.37
Interest Income
131.59
-2.25%
134.62
+8.19%
124.42
+48.09%
84.02
Gain On Sale Of Security
0.10
+314.58%
-0.05
0.00
-100.00%
0.00
Tax Provision
3.48
+188.63%
-3.92
-162.89%
6.24
-7.07%
6.71
Tax Rate For Calcs
0.00
-35.44%
0.00
+48.48%
0.00
-5.44%
0.00
Tax Effect Of Unusual Items
0.05
+100.89%
-5.57
0.00
0.00
Net Income Including Noncontrolling Interests
15.61
+256.44%
-9.98
-137.54%
26.59
-0.33%
26.67
Net Income From Continuing Operation Net Minority Interest
15.61
+256.44%
-9.98
-137.54%
26.59
-0.33%
26.67
Net Income From Continuing And Discontinued Operation
15.61
+256.44%
-9.98
-137.54%
26.59
-0.33%
26.67
Net Income Continuous Operations
15.61
+256.44%
-9.98
-137.54%
26.59
-0.33%
26.67
Normalized Income
15.39
+268.59%
4.18
-84.29%
26.59
-0.33%
26.67
Net Income Common Stockholders
13.46
+210.88%
-12.14
-149.68%
24.43
-0.36%
24.52
Diluted EPS
1.76
+210.00%
-1.60
-149.23%
3.25
-0.31%
3.26
Basic EPS
1.76
+210.00%
-1.60
-149.23%
3.25
-0.31%
3.26
Basic Average Shares
7.65
+0.61%
7.61
+1.11%
7.52
-0.09%
7.53
Diluted Average Shares
7.65
+0.61%
7.61
+1.11%
7.52
-0.09%
7.53
Diluted NI Availto Com Stockholders
13.46
+210.88%
-12.14
-149.68%
24.43
-0.36%
24.52
Insurance And Claims
2.13
+59.09%
1.34
+18.66%
1.13
+77.55%
0.64
Occupancy And Equipment
5.25
-0.06%
5.25
+17.42%
4.47
+5.03%
4.26
Other Non Interest Expense
12.54
-3.95%
13.05
+53.87%
8.48
+10.83%
7.65
Preferred Stock Dividends
2.16
+0.00%
2.16
+0.00%
2.16
+0.00%
2.16
Line Item Trend 2023-12-31
Total Assets
2,035.43
Cash And Cash Equivalents
53.58
Cash Financial
—
Other Short Term Investments
59.93
Receivables
12.39
Accounts Receivable
12.39
Other Receivables
12.39
Net PPE
13.94
Gross PPE
23.38
Accumulated Depreciation
-9.44
Land And Improvements
2.86
Buildings And Improvements
13.01
Machinery Furniture Equipment
6.43
Construction In Progress
—
Leases
1.09
Goodwill And Other Intangible Assets
14.66
Other Intangible Assets
14.66
Investments And Advances
77.20
Total Liabilities Net Minority Interest
1,813.91
Long Term Debt And Capital Lease Obligation
72.64
Long Term Debt
72.64
Long Term Provisions
1.01
Stockholders Equity
221.52
Common Stock Equity
194.25
Capital Stock
56.46
Common Stock
29.20
Preferred Stock
27.26
Share Issued
7.53
Ordinary Shares Number
7.53
Treasury Shares Number
0.00
Additional Paid In Capital
65.98
Retained Earnings
106.55
Gains Losses Not Affecting Retained Earnings
-7.48
Total Equity Gross Minority Interest
221.52
Total Capitalization
294.16
Invested Capital
266.90
Total Debt
72.64
Net Debt
19.06
Net Tangible Assets
206.86
Tangible Book Value
179.60
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
138.87
Held To Maturity Securities
17.27
Preferred Shares Number
1.15
Preferred Stock Equity
27.26
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
14.81
+0.48%
14.74
-53.40%
31.63
-5.70%
33.54
Cash Flow From Continuing Operating Activities
14.81
+0.48%
14.74
-53.40%
31.63
-5.70%
33.54
Net Income From Continuing Operations
15.61
+256.44%
-9.98
-137.54%
26.59
-0.33%
26.67
Depreciation Amortization Depletion
4.94
+6.60%
4.63
+68.82%
2.75
+6.44%
2.58
Depreciation
4.94
+17.98%
4.19
+52.53%
2.75
+6.44%
2.58
Amortization Cash Flow
0.00
-100.00%
0.45
0.00
0.00
Depreciation And Amortization
4.94
+6.60%
4.63
+68.82%
2.75
+6.44%
2.58
Amortization Of Intangibles
0.00
-100.00%
0.45
0.00
0.00
Other Non Cash Items
-0.85
-7.07%
-0.79
-88.12%
-0.42
+37.72%
-0.68
Stock Based Compensation
2.59
-8.88%
2.84
+13.93%
2.49
-1.11%
2.52
Asset Impairment Charge
0.00
-100.00%
19.72
0.00
-100.00%
0.07
Deferred Tax
-0.64
+85.82%
-4.53
-2270.68%
-0.19
+78.64%
-0.89
Deferred Income Tax
-0.64
+85.82%
-4.53
-2270.68%
-0.19
+78.64%
-0.89
Operating Gains Losses
-0.33
-539.22%
-0.05
+60.47%
-0.13
-178.66%
0.16
Gain Loss On Investment Securities
0.00
-100.00%
0.05
0.00
+100.00%
-0.00
Gain Loss On Sale Of PPE
-0.05
+46.46%
-0.10
+23.26%
-0.13
0.00
Change In Working Capital
-6.44
-66.68%
-3.87
-254.91%
-1.09
-253.38%
0.71
Change In Receivables
-3.21
-397.22%
1.08
+138.49%
-2.80
-50.62%
-1.86
Change In Other Current Assets
11.13
+332.14%
-4.79
-197.60%
4.91
+121.92%
-22.41
Change In Other Current Liabilities
-14.36
-9476.00%
-0.15
+95.31%
-3.20
-112.80%
24.98
Investing Cash Flow
-38.38
+68.61%
-122.28
+6.48%
-130.75
+42.84%
-228.74
Cash Flow From Continuing Investing Activities
-38.38
+68.61%
-122.28
+6.48%
-130.75
+42.84%
-228.74
Net PPE Purchase And Sale
-4.12
-477.17%
-0.71
-94.02%
-0.37
+67.29%
-1.12
Purchase Of PPE
-4.17
-359.19%
-0.91
-82.90%
-0.50
+55.82%
-1.12
Sale Of PPE
0.05
-72.82%
0.20
+51.16%
0.13
0.00
Capital Expenditure
-4.17
+27.90%
-5.79
+3.60%
-6.00
+22.82%
-7.78
Net Investment Purchase And Sale
2.26
-51.57%
4.66
+17.65%
3.96
-85.86%
28.01
Purchase Of Investment
-5.92
-600.47%
-0.84
0.00
+100.00%
-226.22
Sale Of Investment
8.18
+48.52%
5.50
+38.98%
3.96
-98.44%
254.23
Net Intangibles Purchase And Sale
0.00
+100.00%
-4.88
+11.40%
-5.51
+17.25%
-6.66
Purchase Of Intangibles
0.00
+100.00%
-4.88
+11.40%
-5.51
+17.25%
-6.66
Net Other Investing Changes
-3.66
+56.59%
-8.44
-944.55%
-0.81
+90.16%
-8.21
Financing Cash Flow
-21.38
-110.65%
200.73
+141.77%
83.03
-64.30%
232.59
Cash Flow From Continuing Financing Activities
-21.38
-110.65%
200.73
+141.77%
83.03
-64.30%
232.59
Net Issuance Payments Of Debt
-3.23
+78.49%
-15.00
+82.35%
-85.00
-159.60%
142.62
Issuance Of Debt
0.00
0.00
-100.00%
15.00
-89.48%
142.62
Repayment Of Debt
-3.23
+78.49%
-15.00
+85.00%
-100.00
—
Long Term Debt Issuance
0.00
0.00
-100.00%
15.00
-89.48%
142.62
Long Term Debt Payments
-3.23
+78.49%
-15.00
+85.00%
-100.00
—
Net Long Term Debt Issuance
-3.23
+78.49%
-15.00
+82.35%
-85.00
-159.60%
142.62
Net Common Stock Issuance
-4.34
-492.35%
-0.73
-1602.33%
-0.04
+99.38%
-6.92
Common Stock Payments
-4.34
-492.35%
-0.73
-1602.33%
-0.04
+99.38%
-6.92
Common Stock Dividend Paid
-3.05
-0.13%
-3.05
-1.16%
-3.01
-59.99%
-1.88
Cash Dividends Paid
-5.21
-0.08%
-5.20
-0.68%
-5.17
-27.96%
-4.04
Repurchase Of Capital Stock
-4.34
-492.35%
-0.73
-1602.33%
-0.04
+99.38%
-6.92
Changes In Cash
-44.95
-148.23%
93.19
+679.32%
-16.09
-143.01%
37.40
Beginning Cash Position
207.71
+81.38%
114.51
-12.32%
130.60
+40.13%
93.20
End Cash Position
162.76
-21.64%
207.71
+81.38%
114.51
-12.32%
130.60
Free Cash Flow
10.64
+18.84%
8.95
-65.07%
25.63
-0.52%
25.76
Interest Paid Supplemental Data
62.17
-12.30%
70.89
+55.69%
45.53
+260.27%
12.64
Income Tax Paid Supplemental Data
0.17
-86.82%
1.27
-82.49%
7.28
+14.09%
6.38
Issuance Of Capital Stock
—
—
—
—
Net Preferred Stock Issuance
—
—
—
—
Preferred Stock Dividend Paid
-2.16
+0.00%
-2.16
+0.00%
-2.16
+0.00%
-2.16
Preferred Stock Issuance
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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