MainStreet Bancshares, Inc.
MNSB Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$24.43
KIRA · Stoqly’s AI analyst, in plain words
- MainStreet Bancshares, Inc. had $136M of revenue in fiscal 2025, down 1.6% on the year before. Over five years, revenue changed +20.5% a year on average.
- MainStreet Bancshares, Inc. made $15.6M of net profit in fiscal 2025. From fiscal 2018 to 2025, diluted EPS grew 3.5% a year.
- MainStreet Bancshares, Inc. returned $7.4M to shareholders in fiscal 2025, 69% of free cash flow.
- It earned 7.3% on shareholders’ money. Running costs took 40.2% of revenue (the efficiency ratio; lower is better).
Market cap
—
P/E
12.0x
Revenue
$136M
Net income
$15.6M
Return on equity
7.3%
Efficiency ratio
40.2%
MainStreet Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−1.6%
No. Sales fell 1.6% last year.
Does it make a profit?
11.5%
Yes. It keeps 11.5% of every sale as profit.
How lean are its costs?
40.2%
Lean. Running costs take 40.2% of revenue.
How much does it earn on its capital?
7.3%
Low. It earns 7.3% a year on shareholders’ money.
How is the share priced?
12.0x
One share costs 12.0 times its yearly profit per share.
What MainStreet Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- MainStreet Bancshares, Inc.
- CIK
- 0001693577
MainStreet Bancshares, Inc. · MNSB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $2.4M | $88.7M | $128M | $138M | $136M |
| Revenue growth | −95.5% | 3,555.4% | 44.1% | 7.9% | −1.6% |
| Net interest income | $53.5M | $70.6M | $76.7M | $62.6M | $69.5M |
| Gross margin | — | 84.9% | 62.7% | 47.7% | 54.3% |
| Net income | $22.2M | $26.7M | $26.6M | −$10.0M | $15.6M |
| Net margin | 913.9% | 30.1% | 20.8% | −7.2% | 11.5% |
| Diluted EPS | $2.65 | $3.26 | $3.25 | −$1.60 | $1.76 |
| Cash | |||||
| Cash from operations | $29.1M | $33.5M | $31.6M | $14.7M | $14.8M |
| Capital expenditure | $1.8M | $1.1M | $0.5M | $0.9M | $4.2M |
| Free cash flow | $27.3M | $32.4M | $31.1M | $13.8M | $10.6M |
| FCF margin | 1,126.1% | 36.6% | 24.4% | 10.0% | 7.8% |
| Dividends paid | $0.0M | $1.9M | $3.0M | $3.0M | $3.1M |
| Share buybacks | $0.0M | $6.9M | $0.0M | $0.7M | $4.3M |
| Share count change | −7.0% | — | — | — | — |
| Debt and strength | |||||
| Cash and short-term investments | $93.2M | — | — | — | — |
| Loans, net | $1.3B | — | $1.7B | $1.8B | $1.8B |
| Deposits | $1.4B | $1.5B | $1.7B | $1.9B | $1.9B |
| Shareholders' equity | $189M | $198M | $222M | $208M | $219M |
| Returns and quality | |||||
| Return on equity | 12.4% | 13.8% | 12.7% | −4.6% | 7.3% |
| Return on tangible equity | 10.6% | 12.4% | 11.0% | −5.8% | 6.2% |
| Efficiency ratio | 1,354.7% | 44.6% | 35.7% | 52.9% | 40.2% |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$0.9M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
MainStreet Bancshares, Inc. · MNSB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $24.43 a share, the company is worth —: 12.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001693577). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.