MainStreet Bancshares (MNSB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

MainStreet Bancshares

NasdaqCM•Financial Services•Banks - Regional

$25.39-0.05(<0.01%)After hours

Market Cap

$177.06M

P/E

10.2x

P/S

1.4x

P/B

0.8x

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.

How this company scores

WeakMetricSide Score: 67/100

Grade capped at D — Interest coverage below 1× (0.5x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability21/25

Growth14/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.5x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.2x5y range 5.3x – 12.4x

Currently above its 16-quarter median.

P/S · 1.4x5y range 0.9x – 2.6x

Currently near its 20-quarter median.

P/B · 0.8x5y range 0.6x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $177.06M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $130.97M
Q. Revenue: $32.98M
TTM EBITDA: $28.88M
TTM Op. Income: $22.27M
Q. Op. Income: $6.61M
TTM Net Income: $17.34M
Q. Net Income: $4.67M
EPS: $0.58
Shares Out.: $7.18M

$130.97M in TTM revenue declined 6.2% YoY, reaching $32.98M last quarter. TTM EBITDA of $28.88M and TTM operating income of $22.27M show growth is flowing through to the bottom line. TTM net income of $17.34M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 4 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 58.0%
EBITDA Margin: 23.8%
Op. Margin: 20.0%
Net Margin: 14.2%

Op. margin of 20.0% is up 4.0% YoY — cost efficiency is improving. Net margin at 14.2% and gross margin of 58.0% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.2x
P/S Ratio: 1.4x
P/B Ratio: 0.8x

At 10.2x P/E, the stock trades below typical market levels. P/S of 1.4x and P/B of 0.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.24B
Cash: $109.28M
Long-Term Debt: N/A
Book Value: $214.44M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $4.95M
TTM Free Cash Flow: $23.22M
FCF Margin: 17.7%
FCF / Net Income: 1.3

TTM FCF of $23.22M on $4.95M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.