MNSB

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MainStreet Bancshares, Inc.

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Key Metrics

Previous Close: $24.90
52-Week Range: $17.86 – $25.87
Market Cap: $177.56M
P/E (TTM): 12.22
EPS (TTM): 2.04
Dividend Yield: 1.60%

Advanced Metrics

Price/Book: 0.91
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: $159.16M

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	$19.13M
Selling, General & Admin	$9.93M	$8.76M	$8.63M	$8.48M	$8.57M
Pretax Income	$5.65M	$5.41M	$4.89M	$5.36M	$6.03M
Income Tax	$1.06M	$896.00K	$837.00K	$1.26M	$1.36M
Net Income	$4.59M	$4.52M	$4.05M	$4.10M	$4.67M
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	$106.68M	$25.25M	$26.45M	$33.83M	$30.88M
Receivables	$15.02M	$13.62M	$14.52M	$13.45M	$14.57M
Total Assets	$2.11B	$2.12B	$2.21B	$2.22B	$2.24B
Long-Term Debt	$71.24M	$69.84M	$69.94M	$70.03M	$70.10M
Total Debt	$71.24M	$69.84M	$69.94M	$70.03M	$70.10M
Total Liabilities	$1.90B	$1.91B	$1.99B	$2.01B	$2.03B
Retained Earnings	$95.58M	$98.79M	$101.56M	$104.36M	$107.78M
Shareholders' Equity	$213.47M	$218.36M	$218.59M	$214.98M	$214.44M
Net Debt	—	$44.58M	$43.48M	$36.21M	$39.22M

MNSB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.19M	$5.59M	$6.58M	$6.60M	$4.95M
Capital Expenditure	-$3.82M	-$138.00K	-$159.00K	-$101.00K	-$96.00K
Free Cash Flow	-$2.63M	$5.45M	$6.42M	$6.50M	$4.85M
Depreciation & Amortisation	$1.26M	$1.20M	$1.26M	$1.09M	$1.37M
Stock-Based Compensation	$664.00K	$642.00K	$701.00K	$599.00K	$614.00K
Investing Cash Flow	$41.47M	-$21.20M	-$54.28M	-$8.64M	-$77.12M
Financing Cash Flow	-$112.02M	$9.62M	$83.17M	$7.40M	$13.34M
Dividends Paid	-$1.31M	-$1.31M	-$1.29M	-$1.30M	-$1.25M
Share Repurchases	$0.00	$0.00	-$3.89M	-$6.85M	-$4.99M
Net Change in Cash	-$69.36M	-$5.99M	$35.46M	$5.36M	-$58.83M

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.