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+53.0%
5Y+95.0%
10Y+488.0%
3Y-41.0%
5Y-1.0%
10Y+303.0%
3Y-56.0%
5Y-13.0%
10Y+150.0%
MainStreet Bancshares, Inc.

MainStreet Bancshares, Inc. Profit Bridge

MNSB ยท NASDAQ
Revenue135.89M
Cost of Goods Sold (61.97M)
Gross Profit73.92M
Operating Expenses (54.82M)
Operating Income19.09M
Interest Expense (62.04M)
Other Income/Expense0.00
Pretax Income19.09M
Income Tax (3.48M)
Net Income15.61M
Net Income
15.61M

Profitability Analysis

Gross Margin

54.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

14.0%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

11.5%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

18.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

MainStreet Bancshares, Inc. Income Statement

MNSB โ€ข NASDAQ

MainStreet Bancshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2009Dec 2008Dec 2007Dec 2006Dec 2005
REVENUE
135.9M
137.9M
127.8M
88.7M
70.3M
69.5M
63.7M
47.1M
29.2M
23.1M
19.3M
15.3M
13.1M
9.5M
13.9M
11.6M
10.5M
9.9M
7.4M
3.7M
GROSS PROFIT
(62M)
(78.8M)
(49.3M)
(15.8M)
(9.5M)
(19.7M)
(21M)
(15.8M)
(7.4M)
(3.7M)
(3.8M)
(2.7M)
(2.2M)
(0.0)
(0.0)
(5.4M)
(5.1M)
(4.7M)
(3.3M)
(1.8M)
73.9M
59.1M
78.4M
72.9M
60.8M
49.8M
42.7M
31.3M
21.8M
19.4M
15.4M
12.6M
10.9M
9.5M
0.0
6.2M
5.4M
5.1M
4.1M
1.9M
OPERATING INCOME
(54.8M)
(73M)
(45.6M)
(39.5M)
(32.9M)
(30.3M)
(25.4M)
(20M)
(15.6M)
(13.9M)
(12.3M)
(10.1M)
(9.4M)
(9.4M)
(0.0)
(6M)
(5.3M)
(5.6M)
(4.1M)
(1.9M)
(36.8M)
(34.9M)
(32.7M)
(27.6M)
(22.6M)
(22.2M)
(19.1M)
(14.6M)
(10.3M)
(9.8M)
(8.6M)
(6.6M)
(6.3M)
(8M)
(0.0)
(4.3M)
(3.8M)
(4M)
(2.4M)
(1.6M)
19.1M
-13.9M
32.8M
33.4M
28M
19.6M
17.3M
11.3M
6.2M
5.5M
3.1M
2.5M
1.5M
515.4K
1.7M
167.1K
100.4K
-496.3K
0.0
0.0
PRE-TAX INCOME
(62M)
(72M)
(47.7M)
(13.4M)
(10.7M)
(16.1M)
(19.4M)
(12.7M)
(5.5M)
(3.1M)
(2.3M)
(2.1M)
(2M)
(0.0)
(0.0)
(4.6M)
(4.7M)
(4.4M)
(3M)
(1.4M)
69.5M
62.6M
76.7M
70.6M
53.5M
46M
39.4M
31.2M
21.5M
18.5M
15.6M
12.2M
10.3M
0.0
0.0
6.3M
5.5M
5.3M
4.3M
2.3M
(18M)
(38M)
(13M)
(11.9M)
(10.3M)
(8.1M)
(6.3M)
(5.4M)
(5.3M)
(4.1M)
(3.7M)
(3.5M)
(3.1M)
(0.0)
(0.0)
(1.7M)
(1.5M)
(1.6M)
(1.7M)
(347.3K)
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
-429.4K
0.0
0.0
0.0
0.0
-3.3M
-1.8M
19.1M
-13.9M
32.8M
33.4M
28M
19.6M
17.3M
11.3M
6.2M
5.5M
3.1M
2.5M
1.5M
86K
1.7M
167.1K
100.4K
-496.3K
0.0
0.0
NET INCOME
(3.5M)
-3.9M
(6.2M)
(6.7M)
(5.8M)
(3.8M)
(3.4M)
(2.1M)
(2.3M)
(1.6M)
(894K)
(752K)
(501.8K)
(40.8K)
(569.1K)
-352K
(0.0)
(0.0)
(0.0)
(0.0)
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

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