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MainStreet Bancshares, Inc. MNSB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 15.62
-4.52 %
$ 121 M
Market Cap
-9.76
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one MNSB stock under the worst case scenario is HIDDEN Compared to the current market price of 15.6 USD, MainStreet Bancshares, Inc. is HIDDEN

MNSB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one MNSB stock under the base case scenario is HIDDEN Compared to the current market price of 15.6 USD, MainStreet Bancshares, Inc. is HIDDEN

MNSB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one MNSB stock under the best case scenario is HIDDEN Compared to the current market price of 15.6 USD, MainStreet Bancshares, Inc. is HIDDEN

MNSB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart MNSB

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1M -10%
6M -14.0%
1Y -4%
3Y -42%
5Y 15%
All
$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
135 M REVENUE
8.45%
Growth Rates
1Year 8.45%
3Years 31.17%
5Years 24.89%
7Years 28.16%
10Years 26.15%
132 M OPERATING INCOME
243.33%
Growth Rates
1Year 243.33%
3Years 67.94%
5Years 50.23%
7Years 41.45%
10Years 40.01%
-9.98 M NET INCOME
-37.54%
Growth Rates
1Year -37.54%
3Years -13.19%
5Years -11.40%
7Years -19.94%
10Years -20.94%
14.7 M OPERATING CASH FLOW
-53.40%
Growth Rates
1Year -53.40%
3Years -37.50%
5Years -2.46%
7Years 11.85%
10Years 13.70%
-122 M INVESTING CASH FLOW
6.48%
Growth Rates
1Year 6.48%
3Years -26.42%
5Years 5.40%
7Years 7.65%
10Years -6.37%
201 M FINANCING CASH FLOW
141.77%
Growth Rates
1Year 141.77%
3Years 152.69%
5Years 5.79%
7Years -1.69%
10Years 12.02%
16.8 M REVENUE
-49.85%
Growth Rates
1Year 8.45%
3Years 31.17%
5Years 24.89%
7Years 28.16%
10Years 26.15%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 243.33%
3Years 67.94%
5Years 50.23%
7Years 41.45%
10Years 40.01%
-16.2 M NET INCOME
-127.67%
Growth Rates
1Year -37.54%
3Years -13.19%
5Years -11.40%
7Years -19.94%
10Years -20.94%
5.45 M OPERATING CASH FLOW
166.61%
Growth Rates
1Year -53.40%
3Years -37.50%
5Years -2.46%
7Years 11.85%
10Years 13.70%
-42.7 M INVESTING CASH FLOW
-177.05%
Growth Rates
1Year 6.48%
3Years -26.42%
5Years 5.40%
7Years 7.65%
10Years -6.37%
12.8 M FINANCING CASH FLOW
-90.65%
Growth Rates
1Year 141.77%
3Years 152.69%
5Years 5.79%
7Years -1.69%
10Years 12.02%
Balance Sheet MainStreet Bancshares, Inc.
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Current Assets 103 M
Cash & Short-Term Investments 103 M
Receivables 11.3 M
Other Current Assets -11.3 M
Non-Current Assets 13.3 M
Long-Term Investments 0
PP&E 13.3 M
Other Non-Current Assets 0
88.60 %9.70 %11.40 %Total Assets$116.6m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 73 M
Long-Term Debt 73 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$73.0m
EFFICIENCY
Earnings Waterfall MainStreet Bancshares, Inc.
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Revenue 135 M
Cost Of Revenue 0
Gross Profit 135 M
Operating Expenses 2.2 M
Operating Income 132 M
Other Expenses 142 M
Net Income -9.98 M
140m140m120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)135m0135m(2m)132m(142m)(10m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 98.65%
5Years 97.80%
7Years 97.91%
10Years 98.54%
98.37% OPERATING MARGIN
98.37%
Averages
1Year 98.37%
3Years 64.18%
5Years 55.20%
7Years 54.96%
10Years 50.86%
-7.41% NET MARGIN
-7.41%
Averages
1Year -7.41%
3Years 16.55%
5Years 23.24%
7Years 24.92%
10Years 22.30%
-4.80% ROE
-4.80%
Averages
1Year -4.80%
3Years 6.89%
5Years 8.35%
7Years 8.51%
10Years 7.87%
-0.45% ROA
-0.45%
Averages
1Year -0.45%
3Years 0.75%
5Years 0.91%
7Years 0.92%
10Years 0.81%
81.52% ROIC
81.52%
Averages
1Year 81.52%
3Years 35.42%
5Years 19.77%
7Years 11.73%
10Years 7.32%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis MainStreet Bancshares, Inc.
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -9.98 M
Depreciation & Amortization 4.19 M
Capital Expenditures -5.79 M
Stock-Based Compensation 2.84 M
Change in Working Capital -3.86 M
Others 21.1 M
Free Cash Flow 8.95 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets MainStreet Bancshares, Inc.
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MNSB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.94% DIVIDEND YIELD
0.1 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.450.450.400.400.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.050.10.10.10.050.10.10.050.10.10.10.250.10.400.10.400.1020222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership MainStreet Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
52.8 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
1.94 K USD 1
0-3 MONTHS
125 K USD 5
3-6 MONTHS
39.1 K USD 1
6-9 MONTHS
69.3 K USD 5
9-12 MONTHS
7. News
MainStreet Bank (MNSB) Upgraded to Buy: What Does It Mean for the Stock? MainStreet Bank (MNSB) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 1 month ago
MainStreet Bancshares, Inc. (MNSB) Q4 2024 Earnings Call Transcript MainStreet Bancshares, Inc. (NASDAQ:MNSB ) Q4 2024 Earnings Conference Call January 27, 2025 2:00 PM ET Company Participants Jeff Dick - Chairman and Chief Executive Officer Alex Vari - Chief Accountant Tom Floyd - Chief Lending Officer Tom Chmelik - Chief Financial Officer Conference Call Participants Jeff Dick Well, good afternoon and thank you for joining our virtual earnings webcast. My name is Jeff Dick, I'm the chairman and CEO of MainStreet Bancshares, Inc. and Main Street Bank. seekingalpha.com - 2 months ago
MainStreet Bank (MNSB) Reports Q4 Loss, Misses Revenue Estimates MainStreet Bank (MNSB) came out with a quarterly loss of $0.12 per share versus the Zacks Consensus Estimate of $0.23. This compares to earnings of $0.61 per share a year ago. zacks.com - 2 months ago
MainStreet Bank Brightens Holidays by Empowering Students to Succeed Employee-directed Giving Program, Making Change, Lends a Helping Hand to Local Schools FAIRFAX, Va. , Dec. 11, 2024 /PRNewswire/ -- This holiday season, MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, is investing in the future of our community by giving a boost to local schools, scholarships, and education programs. prnewswire.com - 4 months ago
MainStreet Bancshares, Inc. (MNSB) Q3 2024 Earnings Call Transcript MainStreet Bancshares, Inc. (NASDAQ:MNSB ) Q3 2024 Earnings Conference Call October 28, 2024 2:00 PM ET Company Participants Jeff Dick - Chairman & Chief Executive Officer Alex Vari - Chief Accountant Tom Floyd - Chief Lending Officer Tom Chmelik - Chief Financial Officer Conference Call Participants Chris Marinac - Janney Montgomery Scott Matt Breese - Stephens Jeff Dick Good afternoon, and thank you for joining our Virtual Earnings Webcast. My name is Jeff Dick, I'm the Chairman and CEO of MainStreet Bancshares Inc. and MainStreet Bank. seekingalpha.com - 5 months ago
MainStreet Bank (MNSB) Reports Q3 Loss, Tops Revenue Estimates MainStreet Bank (MNSB) came out with a quarterly loss of $0.04 per share in line with the Zacks Consensus Estimate. This compares to earnings of $0.77 per share a year ago. zacks.com - 5 months ago
Analysts Estimate MainStreet Bank (MNSB) to Report a Decline in Earnings: What to Look Out for MainStreet Bank (MNSB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 5 months ago
MainStreet Bancshares, Inc. (MNSB) Q2 2024 Earnings Call Transcript MainStreet Bancshares, Inc. (NASDAQ:MNSB ) Q2 2024 Earnings Conference Call July 29, 2024 2:00 PM ET Company Participants Jeff Dick - Chairman and Chief Executive Officer Alex Vari - Chief Accountant Tom Floyd - Chief Lending Officer Tom Chmelik - Chief Financial Officer Conference Call Participants Chris Marinac - Janney Montgomery Scott Matt Breese - Stephens Jeff Dick Everyone and thank you for joining our Virtual Earnings Webcast. My name is Jeff Dick, and I'm the Chairman and CEO of MainStreet Bancshares Inc. and MainStreet Bank. seekingalpha.com - 8 months ago
MainStreet Bank (MNSB) Lags Q2 Earnings and Revenue Estimates MainStreet Bank (MNSB) came out with quarterly earnings of $0.27 per share, missing the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.85 per share a year ago. zacks.com - 8 months ago
MainStreet Bancshares Inc. Reports a Profitable Second Quarter Rise in Core Deposits Fueled an Uptick in Loan Growth FAIRFAX, Va. , July 29, 2024 /PRNewswire/ -- MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the holding company for MainStreet Bank, reported net income of $2.6 million for the second quarter of 2024. prnewswire.com - 8 months ago
MainStreet Bank's Tom Floyd Honored by Independent Banker Magazine As Emerging Community Bank Leader Chief Lending Officer Is Named to Prestigious 40 under 40 List FAIRFAX, Va. , June 4, 2024 /PRNewswire/ -- MainStreet Bank and its parent company, MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), are pleased to announce that Executive Vice President and Chief Lending Officer Tom Floyd has been honored as one of the nation's best and brightest young bankers. prnewswire.com - 10 months ago
MainStreet Bancshares, Inc. (MNSB) Q1 2024 Earnings Call Transcript MainStreet Bancshares, Inc. (NASDAQ:MNSB ) Q1 2024 Earnings Conference Call April 22, 2024 2:00 PM ET Company Participants Jeff Dick - Chairman and Chief Executive Officer Alex Vari - Chief Accountant Tom Floyd - Chief Lending Officer Tom Chmelik - Chief Financial Officer Ben Baboval - Chief Risk Officer Conference Call Participants Chris Marinac - Janney Montgomery Scott Operator Good morning, our virtual earnings webcast. My name is Jeff Dick and I'm the Chairman and CEO of Main Street Bank Shares, Inc., and Main Street Bank. seekingalpha.com - 11 months ago
8. Profile Summary

MainStreet Bancshares, Inc. MNSB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 121 M
Dividend Yield 0.94%
Description 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.
Contact 10089 Fairfax Boulevard, Fairfax, VA, 22030 https://www.mstreetbank.com
IPO Date Sept. 6, 2005
Employees 204
Officers Mr. Jacob Hutchinson Executive Vice President & Chief Information Officer Ms. Trish Smith Executive Vice President & Chief Human Resources Officer Mr. Abdulhamid Hersiburane President & Director of MainStreet Bank Mr. Tom Floyd Executive Vice President William Freesmeier Senior Vice President Mr. Todd Youngren President Mr. Richard Alexander Vari Senior Vice President & Chief Accounting Officer Michael B. Baboval Chief Risk Officer Mr. Jeff W. Dick Chief Executive Officer & Chairman of the Board Mr. Thomas J. Chmelik Senior EVice President, Chief Financial Officer, Corporate Secretary & Director