MainStreet Bancshares, Inc.
MNSB Nasdaq State Commercial Banks Financials FY2018–FY2025
Revenue
Total sales reported in the income statement.
$136M
1.6%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
40.2%
12.7 pts
Net income
Profit after all expenses, interest and tax.
$15.6M
Return on equity
Net income as a share of average shareholders' equity.
7.3%
12.0 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $2.04 EPS (TTM)
What MainStreet Bancshares, Inc. does
No business description yet.
- Legal name
- MainStreet Bancshares, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Accession · CIK
- 0001437749-26-008073
0001693577
Revenue and margins
MainStreet Bancshares, Inc. had $136M of revenue in fiscal 2025, down 1.6% on the year before.
FY18
Revenue $34.4M
FY19
Revenue $44.3M
FY20
Revenue $53.4M
FY21
Revenue $2.4M
FY22
Revenue $88.7M
FY23
Revenue $128M
FY24
Revenue $138M
FY25
Revenue $136M
Q3 '23
Revenue $0.5M
Q4 '23
Revenue $126M
Q1 '24
Revenue $33.3M
Q2 '24
Revenue $34.2M
Q3 '24
Revenue $34.5M
Q4 '24
Revenue $35.9M
Q1 '25
Revenue $33.9M
Q2 '25
Revenue $35.4M
Q3 '25
Revenue $33.6M
Q4 '25
Revenue $32.8M
Q1 '26
Revenue $0.6M
Q2 '26
Revenue $0.6M
FY18
Net interest share 90.6%
Efficiency ratio 58.1%
FY19
Net interest share 89.0%
Efficiency ratio 57.3%
FY20
Net interest share 86.1%
Efficiency ratio 56.6%
FY21
Net interest share 2,206.8%
Efficiency ratio 1,354.7%
FY22
Net interest share 79.7%
Efficiency ratio 44.6%
FY23
Net interest share 60.1%
Efficiency ratio 35.7%
FY24
Net interest share 45.4%
Efficiency ratio 52.9%
FY25
Net interest share 51.3%
Efficiency ratio 40.2%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 3,652.1%
Efficiency ratio 2,247.3%
Q4 '23
Net interest share 13.7%
Efficiency ratio 9.0%
Q1 '24
Net interest share 47.0%
Efficiency ratio 37.5%
Q2 '24
Net interest share 45.5%
Efficiency ratio 37.5%
Q3 '24
Net interest share 44.5%
Efficiency ratio 38.3%
Q4 '24
Net interest share 44.7%
Efficiency ratio 95.8%
Q1 '25
Net interest share 48.7%
Efficiency ratio 42.2%
Q2 '25
Net interest share 53.2%
Efficiency ratio 41.7%
Q3 '25
Net interest share 50.9%
Efficiency ratio 37.7%
Q4 '25
Net interest share 52.3%
Efficiency ratio 39.1%
Q1 '26
Net interest share 3,053.1%
Efficiency ratio 2,211.9%
Q2 '26
Net interest share 3,302.9%
Efficiency ratio 2,267.4%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2018 to 2025, diluted EPS grew 3.5% a year. Loss periods are shown in red.
FY18
Net income $9.2M
FY19
Net income $14.0M
FY20
Net income $15.7M
FY21
Net income $22.2M
FY22
Net income $26.7M
FY23
Net income $26.6M
FY24
Net income −$10.0M
FY25
Net income $15.6M
Q3 '23
Net income $6.3M
Q4 '23
Net income $5.1M
Q1 '24
Net income $3.3M
Q2 '24
Net income $2.6M
Q3 '24
Net income $0.3M
Q4 '24
Net income −$16.2M
Q1 '25
Net income $2.5M
Q2 '25
Net income $4.6M
Q3 '25
Net income $4.5M
Q4 '25
Net income $4.1M
Q1 '26
Net income $4.1M
Q2 '26
Net income $4.7M
FY18
Diluted EPS $1.38
FY19
Diluted EPS $1.69
FY20
Diluted EPS $1.85
FY21
Diluted EPS $2.65
FY22
Diluted EPS $3.26
FY23
Diluted EPS $3.25
FY24
Diluted EPS −$1.60
FY25
Diluted EPS $1.76
Q3 '23
Diluted EPS $0.77
Q4 '23
Diluted EPS $0.62
Q1 '24
Diluted EPS $0.36
Q2 '24
Diluted EPS $0.27
Q3 '24
Diluted EPS −$0.04
Q4 '24
Diluted EPS −$2.19
Q1 '25
Diluted EPS $0.25
Q2 '25
Diluted EPS $0.53
Q3 '25
Diluted EPS $0.52
Q4 '25
Diluted EPS $0.46
Q1 '26
Diluted EPS $0.48
Q2 '26
Diluted EPS $0.58
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY18
ROE 7.6%
ROTE 7.6%
Efficiency ratio 58.1%
FY19
ROE 10.8%
ROTE 10.2%
Efficiency ratio 57.3%
FY20
ROE 10.3%
ROTE 9.0%
Efficiency ratio 56.6%
FY21
ROE 12.4%
ROTE 10.6%
Efficiency ratio 1,354.7%
FY22
ROE 13.8%
ROTE 12.4%
Efficiency ratio 44.6%
FY23
ROE 12.7%
ROTE 11.0%
Efficiency ratio 35.7%
FY24
ROE −4.6%
ROTE −5.8%
Efficiency ratio 52.9%
FY25
ROE 7.3%
ROTE 6.2%
Efficiency ratio 40.2%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
MainStreet Bancshares, Inc. returned $7.4M to shareholders in fiscal 2025, 69% of free cash flow. The diluted share count rose 0.0%.
FY18
Dividends —
Buybacks —
FY19
Dividends —
Buybacks —
FY20
Dividends —
Buybacks $13.8M
FY21
Dividends $0.0M
Buybacks $0.0M
FY22
Dividends $1.9M
Buybacks $6.9M
FY23
Dividends $3.0M
Buybacks $0.0M
FY24
Dividends $3.0M
Buybacks $0.7M
FY25
Dividends $3.1M
Buybacks $4.3M
Dividends
Buybacks
Q3 '23
Dividends $0.8M
Buybacks $0.0M
Q4 '23
Dividends $0.8M
Buybacks $0.0M
Q1 '24
Dividends $0.8M
Buybacks $0.4M
Q2 '24
Dividends $0.8M
Buybacks $0.3M
Q3 '24
Dividends $0.8M
Buybacks $0.0M
Q4 '24
Dividends $0.8M
Buybacks $0.0M
Q1 '25
Dividends $0.8M
Buybacks $0.4M
Q2 '25
Dividends $0.8M
Buybacks $0.0M
Q3 '25
Dividends $0.8M
Buybacks $0.0M
Q4 '25
Dividends $0.8M
Buybacks $3.9M
Q1 '26
Dividends $0.8M
Buybacks $6.1M
Q2 '26
Dividends $0.7M
Buybacks $5.0M
Dividends
Buybacks
FY18
Diluted shares 0.01B
FY19
Diluted shares 0.01B
FY20
Diluted shares 0.01B
FY21
Diluted shares 0.01B
FY22
Diluted shares —
FY23
Diluted shares —
FY24
Diluted shares —
FY25
Diluted shares —
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY18
Loans $917M
Deposits $920M
FY19
Loans $1.0B
Deposits $1.1B
FY20
Loans $1.2B
Deposits $1.4B
FY21
Loans $1.3B
Deposits $1.4B
FY22
Loans —
Deposits $1.5B
FY23
Loans $1.7B
Deposits $1.7B
FY24
Loans $1.8B
Deposits $1.9B
FY25
Loans $1.8B
Deposits $1.9B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $1.3B | — | $1.7B | $1.8B | $1.8B |
| Deposits | $1.4B | $1.5B | $1.7B | $1.9B | $1.9B |
| Loans / deposits | 95.0% | — | 101.1% | 94.9% | 97.0% |
| Total assets | $1.6B | $1.9B | $2.0B | $2.2B | $2.2B |
| Shareholders' equity | $189M | $198M | $222M | $208M | $219M |
| Provision / loans | 0.1% | — | 0.1% | 0.4% | −0.0% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
8 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||
| Revenue | $34.4M | $44.3M | $53.4M | $2.4M | $88.7M | $128M | $138M | $136M |
| Net interest income | $31.2M | $39.4M | $46.0M | $53.5M | $70.6M | $76.7M | $62.6M | $69.5M |
| Noninterest income | $3.2M | $4.9M | $7.5M | $6.1M | $4.7M | $3.3M | $3.3M | $4.0M |
| Noninterest expense | $20.0M | $25.4M | $30.3M | $32.9M | $39.5M | $45.6M | $73.0M | $54.6M |
| Provision for credit losses | −$3.1M | −$1.6M | −$3.6M | $1.2M | $2.4M | $1.6M | $6.8M | −$0.1M |
| Gross profit | — | — | — | — | $75.3M | $80.1M | $65.8M | $73.6M |
| Interest expense | $12.7M | $19.4M | $16.1M | $10.7M | $13.8M | $48.2M | — | — |
| Pretax income | $11.3M | $17.3M | $19.6M | $28.0M | $33.4M | $32.8M | −$13.9M | $19.1M |
| Income tax | $2.1M | $3.4M | $3.8M | $5.8M | $6.7M | $6.2M | −$3.9M | $3.5M |
| Net income | $9.2M | $14.0M | $15.7M | $22.2M | $26.7M | $26.6M | −$10.0M | $15.6M |
| Net income to common | — | $14.0M | $15.1M | $20.0M | $24.5M | $24.4M | −$12.1M | $13.5M |
| Diluted EPS | $1.38 | $1.69 | $1.85 | $2.65 | $3.26 | $3.25 | −$1.60 | $1.76 |
| Diluted shares | 0.01B | 0.01B | 0.01B | 0.01B | — | — | — | — |
| Cash flow | ||||||||
| Cash from operations | $12.6M | $16.7M | $17.0M | $29.1M | $33.5M | $31.6M | $14.7M | $14.8M |
| Capital expenditure | $1.4M | $1.0M | $1.3M | $1.8M | $1.1M | $0.5M | $0.9M | $4.2M |
| Free cash flow | $11.2M | $15.7M | $15.7M | $27.3M | $32.4M | $31.1M | $13.8M | $10.6M |
| Depreciation and amortization | $1.0M | $1.0M | $1.1M | $1.2M | $1.3M | $1.3M | $1.5M | $1.1M |
| Stock-based compensation | $0.9M | $1.0M | $1.5M | $1.9M | $2.5M | $2.5M | $2.8M | $2.6M |
| Share buybacks | — | — | $13.8M | $0.0M | $6.9M | $0.0M | $0.7M | $4.3M |
| Dividends paid | — | — | — | $0.0M | $1.9M | $3.0M | $3.0M | $3.1M |
| Dividends and buybacks | — | — | $13.8M | $0.0M | $8.8M | $3.1M | $3.8M | $7.4M |
| Balance sheet | ||||||||
| Cash and short-term investments | $58.1M | $64.8M | $108M | $93.2M | — | — | — | — |
| Finance lease liabilities | — | $0.0M | $0.0M | — | $0.0M | $0.0M | $0.0M | $0.0M |
| Loans, net | $917M | $1.0B | $1.2B | $1.3B | — | $1.7B | $1.8B | $1.8B |
| Deposits | $920M | $1.1B | $1.4B | $1.4B | $1.5B | $1.7B | $1.9B | $1.9B |
| Property and equipment, net | $14.2M | $14.2M | $14.3M | $14.9M | $14.7M | $13.9M | $13.3M | $13.6M |
| Total assets | $1.1B | $1.3B | $1.6B | $1.6B | $1.9B | $2.0B | $2.2B | $2.2B |
| Total liabilities | $979M | $1.1B | $1.5B | $1.5B | $1.7B | $1.8B | $2.0B | $2.0B |
| Preferred stock | — | — | $27.3M | $27.3M | $27.3M | $27.3M | $27.3M | $27.3M |
| Shareholders' equity | $121M | $137M | $168M | $189M | $198M | $222M | $208M | $219M |
| Margins | ||||||||
| Gross margin | — | — | — | — | 84.9% | 62.7% | 47.7% | 54.3% |
| Net margin | 26.8% | 31.5% | 29.4% | 913.9% | 30.1% | 20.8% | −7.2% | 11.5% |
| FCF margin | 32.6% | 35.4% | 29.4% | 1,126.1% | 36.6% | 24.4% | 10.0% | 7.8% |
| Net interest share of revenue | 90.6% | 89.0% | 86.1% | 2,206.8% | 79.7% | 60.1% | 45.4% | 51.3% |
| Efficiency ratio | 58.1% | 57.3% | 56.6% | 1,354.7% | 44.6% | 35.7% | 52.9% | 40.2% |
| Returns | ||||||||
| Return on equity | 7.6% | 10.8% | 10.3% | 12.4% | 13.8% | 12.7% | −4.6% | 7.3% |
| Return on assets | 0.8% | 1.2% | 1.1% | 1.3% | 1.5% | 1.4% | −0.5% | 0.7% |
| Return on tangible equity | 7.6% | 10.2% | 9.0% | 10.6% | 12.4% | 11.0% | −5.8% | 6.2% |
| Growth | ||||||||
| Revenue growth | — | 28.7% | 20.6% | −95.5% | 3,555.4% | 44.1% | 7.9% | −1.6% |
| Net income growth | — | 51.5% | 12.7% | 41.1% | 20.3% | −0.3% | −137.5% | — |
| EPS growth | — | 22.5% | 9.5% | 43.2% | 23.0% | −0.3% | −149.2% | — |
| FCF growth | — | 40.0% | 0.2% | 73.6% | 18.7% | −4.0% | −55.6% | −23.1% |
| Share count change | — | 24.0% | −1.5% | −7.0% | — | — | — | — |
| Financial health | ||||||||
| Loans / deposits | 99.7% | 96.2% | 85.5% | 95.0% | — | 101.1% | 94.9% | 97.0% |
| Provision / loans | −0.3% | −0.2% | −0.3% | 0.1% | — | 0.1% | 0.4% | −0.0% |
| Capital allocation | ||||||||
| Capex / revenue | 4.0% | 2.2% | 2.4% | 74.4% | 1.3% | 0.4% | 0.7% | 3.1% |
| Stock comp / revenue | 2.6% | 2.4% | 2.9% | 77.8% | 2.8% | 1.9% | 2.1% | 1.9% |
| Payouts / FCF | — | — | 87.7% | 0.0% | 27.1% | 9.8% | 27.3% | 69.4% |
| Quality scores | ||||||||
| Accruals ratio | −0.3% | −0.2% | −0.1% | −0.4% | −0.4% | −0.3% | −1.2% | 0.0% |
Source: SEC EDGAR XBRL filings (CIK 0001693577). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.