MNSB

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MainStreet Bancshares, Inc.

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Key Metrics

Previous Close: $24.95
52-Week Range: $17.86 – $25.71
Market Cap: $179.88M
P/E (TTM): 12.44
EPS (TTM): 2.03
Dividend Yield: 1.60%

Advanced Metrics

Price/Book: 0.93
PEG Ratio: —
Return on Equity: 8.10%
Return on Assets: 0.80%
Gross Margin: 0.00%
Operating Margin: 35.21%
Profit Margin: 24.01%
Current Ratio: —
Debt/Equity: —
Total Debt: $79.50M
Free Cash Flow: —
Revenue Growth: -8.80%
Earnings Growth: 9.40%
Enterprise Value: $161.84M

MNSB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$75.31M	$80.08M	$65.83M	$73.30M
Selling, General & Admin	$27.61M	$32.66M	$34.95M	$36.77M
Pretax Income	$33.39M	$32.82M	-$13.90M	$19.09M
Income Tax	$6.71M	$6.24M	-$3.92M	$3.48M
Net Income	$26.67M	$26.59M	-$9.98M	$15.61M
Diluted EPS	3.26	3.25	-1.60	1.76
Diluted Shares	7.53M	7.52M	7.61M	7.65M

MNSB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$48.93M	$53.58M	$23.06M	$26.45M
Receivables	$9.58M	$12.39M	$11.31M	$14.52M
Total Assets	$1.93B	$2.04B	$2.23B	$2.21B
Long-Term Debt	$172.25M	$72.64M	$73.04M	$69.94M
Total Debt	$172.25M	$72.64M	$73.04M	$69.94M
Total Liabilities	$1.73B	$1.81B	$2.02B	$1.99B
Retained Earnings	$86.83M	$106.55M	$91.15M	$101.56M
Shareholders' Equity	$198.28M	$221.52M	$207.99M	$218.59M
Net Debt	$123.31M	$19.06M	$49.98M	$43.48M

MNSB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$33.54M	$31.63M	$14.74M	$14.81M
Capital Expenditure	-$7.78M	-$6.00M	-$5.79M	-$4.17M
Free Cash Flow	$25.76M	$25.63M	$8.95M	$10.64M
Depreciation & Amortisation	$2.58M	$2.75M	$4.63M	$4.94M
Stock-Based Compensation	$2.52M	$2.49M	$2.84M	$2.59M
Investing Cash Flow	-$228.74M	-$130.75M	-$122.28M	-$38.38M
Financing Cash Flow	$232.59M	$83.03M	$200.73M	-$21.38M
Dividends Paid	-$4.04M	-$5.17M	-$5.20M	-$5.21M
Share Repurchases	-$6.92M	-$43.00K	-$732.00K	-$4.34M
Net Change in Cash	$37.40M	-$16.09M	$93.19M	-$44.95M

MNSB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$19.86M	$18.08M	$18.04M	$17.90M	—
Selling, General & Admin	$9.93M	$8.76M	$8.63M	$8.48M	—
Pretax Income	$5.65M	$5.41M	$4.89M	$5.36M	—
Income Tax	$1.06M	$896.00K	$837.00K	$1.26M	—
Net Income	$4.59M	$4.52M	$4.05M	$4.10M	—
Diluted EPS	0.53	0.52	0.46	0.48	0.58
Diluted Shares	7.70M	7.70M	7.56M	7.48M	7.18M

MNSB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$177.97M	$106.68M	$25.25M	$26.45M	$33.83M
Receivables	$9.61M	$15.02M	$13.62M	$14.52M	$13.45M
Total Assets	$2.22B	$2.11B	$2.12B	$2.21B	$2.22B
Long-Term Debt	$72.14M	$71.24M	$69.84M	$69.94M	$70.03M
Total Debt	$72.14M	$71.24M	$69.84M	$69.94M	$70.03M
Total Liabilities	$2.01B	$1.90B	$1.91B	$1.99B	$2.01B
Retained Earnings	$92.31M	$95.58M	$98.79M	$101.56M	$104.36M
Shareholders' Equity	$209.62M	$213.47M	$218.36M	$218.59M	$214.98M
Net Debt	—	—	$44.58M	$43.48M	$36.21M

MNSB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.45M	$1.19M	$5.59M	$6.58M	$6.60M
Capital Expenditure	-$55.00K	-$3.82M	-$138.00K	-$159.00K	-$101.00K
Free Cash Flow	$1.40M	-$2.63M	$5.45M	$6.42M	$6.50M
Depreciation & Amortisation	$1.22M	$1.26M	$1.20M	$1.26M	$1.09M
Stock-Based Compensation	$579.00K	$664.00K	$642.00K	$701.00K	$599.00K
Investing Cash Flow	-$4.37M	$41.47M	-$21.20M	-$54.28M	-$8.64M
Financing Cash Flow	-$2.15M	-$112.02M	$9.62M	$83.17M	$7.40M
Dividends Paid	-$1.30M	-$1.31M	-$1.31M	-$1.29M	-$1.30M
Share Repurchases	-$446.00K	$0.00	$0.00	-$3.89M	-$6.85M
Net Change in Cash	-$5.07M	-$69.36M	-$5.99M	$35.46M	$5.36M

Market Snapshot

About

MainStreet Bancshares is the holding company for MainStreet Bank, a community bank serving businesses and professionals in the northern Virginia and greater Washington D.C. metro area. The bank provides commercial and consumer banking services with a focus on relationship banking.