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
3Y-56.0%
5Y-13.0%
10Y+150.0%
3Y-83.0%
5Y-88.0%
10Y-56.0%
3Y-109.0%
5Y-106.0%
10Y-123.0%
MNSB

MainStreet Bancshares, Inc. Cash Conversion Engine

MNSB ยท NASDAQ
Net Income15.61M
Depreciation & Amortization4.94M
Stock-Based Compensation2.59M
Change in Working Capital-6.44M
Others-1.24M
Capital Expenditures-4.17M
Free Cash Flow10.64M

Cash Flow Quality Analysis

FCF Conversion Rate

68.1%

Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.

CapEx Intensity

28.2%

Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.

FCF Growth Trend

+18.8%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$6.44M

Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโ€”monitor closely.

Cash Flow Quality Insight

Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.

MainStreet Bancshares, Inc. Cash Flow Statement

MNSB โ€ข NASDAQ

MainStreet Bancshares, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2009Dec 2008Dec 2007Dec 2006Dec 2005
OPERATING ACTIVITIES
15.6M
-10M
26.6M
26.7M
22.2M
15.7M
14M
9.2M
3.9M
3.9M
2.2M
1.8M
1M
45.2K
1.1M
519.1K
100.4K
-496.3K
46.9K
-804.7K
4.9M
4.6M
2.7M
2.6M
2.4M
2.1M
1.8M
1.7M
1.3M
1.1M
1M
1M
951.2K
0.0
0.0
302.9K
363.6K
316.9K
284.9K
383K
-642K
-4.5M
-191K
-894K
336K
-1.8M
-462K
-1M
-1M
-192.6K
-175.2K
-95.6K
1.6K
0.0
0.0
-352K
0.0
0.0
0.0
0.0
2.6M
2.8M
2.5M
2.5M
1.9M
1.5M
1M
883K
517K
451K
334.6K
234.3K
200.9K
0.0
0.0
115.8K
99.2K
128.9K
0.0
0.0
-1.2M
25.6M
1.1M
2M
-2.7M
3.2M
1.1M
2.8M
1.5M
437.7K
1.3M
525.4K
206.6K
-45.2K
1.5M
392.8K
385K
328K
374.5K
407.8K
(168K)
(1.3M)
(7.3M)
(6.4M)
(6.8M)
(4.6M)
(4.2M)
(2.6M)
(1.9M)
(1.6M)
(1.6M)
(300K)
(825K)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-6.4M
-3.9M
-1.1M
710K
5.1M
-3.8M
-745K
-971K
514.4K
241.1K
-789.6K
703.5K
451.2K
0.0
811.1K
-1.8M
-105.5K
83.8K
-108.4K
-262.1K
14.8M
14.7M
31.6M
33.5M
29.1M
17M
16.7M
12.6M
6.7M
5.9M
3.9M
4.1M
2.8M
0.0
3.4M
-852.2K
842.7K
361.3K
597.9K
-276K
INVESTING ACTIVITIES
-4.2M
-909K
-497K
-1.1M
-1.8M
-1.3M
-990K
-1.4M
-2.5M
-579.2K
-396.8K
-2.2M
-226.6K
(0.0)
-4.6M
-1.4M
-81.5K
-619.9K
-263.8K
-224K
-5.9M
-845K
(0.0)
-226.2M
-378.6M
-299.4M
-175.9M
-125.4M
-86.8M
-73.5M
-78.6M
-67.1M
-44.6M
(0.0)
-47.1M
-14.4M
-39.9M
-46.5M
-28.1M
-17.5M
8.2M
5.5M
4M
254.2M
426.7M
246.2M
141.8M
120.9M
71M
62.6M
74.9M
49.3M
44M
0.0
10.6M
15.7M
36.9M
37.2M
32.8M
17.9M
-36.5M
-126M
-134.2M
-255.6M
-75.5M
-259.3M
-126.3M
-267.5M
-195.2M
-76.3M
-130.6M
-46M
-11M
0.0
-10.4M
-41.3M
-30.4M
-30.4M
-28M
-33.8M
-38.4M
-122.3M
-130.7M
-228.7M
-29.3M
-313.8M
-161.4M
-273.4M
-213.5M
-87.8M
-134.7M
-66M
-11.8M
(0.0)
-51.4M
-41.3M
-33.5M
-40.3M
-23.5M
-33.7M
FINANCING ACTIVITIES
-4.3M
-732K
-43K
-6.9M
0.0
-13.8M
0.0
42.7M
17.8M
0.0
0.0
12.1M
0.0
0.0
0.0
0.0
0.0
35.2K
0.0
11.9M
-3.2M
-15M
-85M
142.6M
14.2M
-40M
0.0
-13.8M
14.3M
4.7M
48M
111K
-3M
0.0
-4M
-50K
15M
-50K
13.0
5.7M
-5.2M
-5.2M
-5.2M
-4M
-2.2M
-635K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-4.3M
-732K
-43K
-6.9M
(0.0)
-13.8M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-8.6M
221.7M
173.2M
100.9M
-26.3M
366.6M
151.5M
252.5M
194.1M
88M
82.8M
52.3M
8.8M
0.0
44.8M
48.8M
25.3M
40.4M
22.4M
19.9M
-21.4M
200.7M
83M
232.6M
-14.2M
339.5M
151.5M
281.4M
226.2M
92.7M
130.8M
64.5M
5.8M
0.0
40.8M
48.7M
40.2M
40.4M
22.4M
37.5M
CASH FLOW SUMMARY
-45M
93.2M
-16.1M
37.4M
-14.3M
42.7M
6.8M
20.6M
19.4M
10.9M
40.5K
2.7M
-3.2M
0.0
0.0
6.6M
7.6M
480.3K
-424.3K
3.6M
207.7M
114.5M
130.6M
93.2M
107.5M
64.8M
58.1M
37.5M
18.1M
7.2M
7.2M
4.5M
7.7M
0.0
0.0
12.2M
4.6M
4.1M
4.5M
974.1K
162.8M
207.7M
114.5M
130.6M
93.2M
107.5M
64.8M
58.1M
37.5M
18.1M
7.2M
7.2M
4.5M
0.0
0.0
18.7M
12.2M
4.6M
4.1M
4.5M
10.6M
9M
25.6M
25.8M
24.8M
15.7M
15.7M
11.2M
4.3M
5.3M
3.5M
1.9M
2.6M
0.0
-1.2M
-2.2M
761.2K
-258.6K
334.1K
-500K

SEC Filings

MNSB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
S-3/A

S-3/A (Amended)

N/A

June 03, 2026
June 03, 2026
ย 
8-K

8-K 2026

N/A

May 26, 2026
May 26, 2026
2026
8-K

8-K 2026

N/A

May 22, 2026
May 22, 2026
2026
S-3

S-3

N/A

May 15, 2026
May 15, 2026
ย 
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 24, 2026
April 24, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 20, 2026
April 20, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 17, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

April 13, 2026
April 13, 2026
2026
Showing 1 to 10 of 188 filings