MainStreet Bancshares, Inc.

MainStreet Bancshares, Inc.

MNSBยทNASDAQ

$22.67

+0.20%
Financial ServicesBanks - Regional

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. The company 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, remote deposit capture, and courier services. It also provides commercial loans, including 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, the company provides deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. As of March 18, 2022, it operated six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as 55,000 automated teller machines. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia.

At a Glance

Live Snapshot
Market Cap$161.35M
EPS1.7600
P/E Ratio12.88
Earnings Date07/28/2026
MainStreet Bancshares, Inc.

MainStreet Bancshares, Inc. Fair Value Envelope

MNSB ยท NASDAQ

Our analysis suggests that MNSB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $22.67, this represents a potential HIDDEN relative to our calculated worth for MainStreet Bancshares, Inc..

Intrinsic Value
Current Price: $22.67

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$863.6M
+ Cash & Equivalents$26.5M
Firm Value$890.1M
- Debt$69.9M
Equity Value$820.1M
/ Shares Outstanding7,705,900B
DCF Value$106
UNDERVALUED BY 369%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$17.6M
$20.9M
$24.9M
$29.5M
$35.1M
$41.7M
$49.6M
$58.9M
$70.0M
$83.2M
Maintenance CapEx
-$992.0K
-$1.2M
-$1.4M
-$1.7M
-$2.0M
-$2.4M
-$2.8M
-$3.3M
-$3.9M
-$4.7M
Owner Earnings
$16.6M
$19.7M
$23.5M
$27.9M
$33.1M
$39.4M
$46.8M
$55.6M
$66.1M
$78.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$15.4M
$16.9M
$18.6M
$20.5M
$22.5M
$24.8M
$27.3M
$30.0M
$33.0M
$36.4M
Terminal Value represents 71.6% of Enterprise Value