MNSB
MainStreet Bancshares, Inc.
MNSB's fundamentals are strong, but it looks expensive: trading at 11x earnings, above its usual 9.1x. Analysts expect earnings growth.
MNSB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
MNSB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like MNSB.
MNSB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.4x | $12.45 | -42% |
| Fair | 9.1x | $17.67 | -18% |
| Forward | 10x | $21.45 | — |
| Current | 11x | $21.45 | — |
| Expensive | 12x | $22.58 | +5.3% |
Historical ranges are pointers, not guarantees.
MNSB's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
MNSB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for MNSB, with profitability holding steady.
MNSB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.07 | +6.2% |
| Q3 2026 | $1.95 | +$2.84 |
| Q2 2026 | $2.04 | +$3.49 |
| Q1 2026 | $1.99 | +$3.70 |
| Q4 2025 | $1.76 | +$3.36 |
| Q3 2025 | -$0.89 | -174% |
| Q2 2025 | -$1.45 | -172% |
| Q1 2025 | -$1.71 | -166% |
| Q4 2024 | -$1.60 | -149% |
MNSB has returned to profit: it earned $1.95 per share over the past year, after losing money the year before.
MNSB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $19.4M | +6.7% |
| Q2 2026 | $19.1M | -3.7% |
| Q1 2026 | $17.9M | +2.6% |
| Q4 2025 | $18M | +7.1% |
| Q3 2025 | $18.2M | +12% |
| Q2 2025 | $19.9M | +23% |
| Q1 2025 | $17.4M | +7.3% |
| Q4 2024 | $16.8M | -5.7% |
MNSB's revenue has held roughly level: $19M last quarter, up 6.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | -5.8 points |
| Q2 2026 | 32% | +3 points |
| Q1 2026 | 30% | +12 points |
| Q4 2025 | 27% | +152 points |
| Q3 2025 | 30% | +29 points |
| Q2 2025 | 28% | +11 points |
| Q1 2025 | 18% | -7.5 points |
| Q4 2024 | -125% | -160 points |
MNSB's operating margin was 24% last quarter, down 5.8 points from the same quarter a year ago.
MNSB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.8M | +6.4% |
| Q2 2026 | $4.8M | +$7.5M |
| Q1 2026 | $6.5M | +366% |
| Q4 2025 | $6.4M | +19% |
| Q3 2025 | $5.5M | +27% |
| Q2 2025 | -$2.6M | -345% |
| Q1 2025 | $1.4M | -54% |
| Q4 2024 | $5.4M | +1.8% |
MNSB's free cash flow was $24M over the past year, up 145% from the year before. Free cash flow isn't a meaningful measure for financial services companies like MNSB.
MNSB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -57.9K shares |
| 1 year | -7.6% | -585K shares |
| 3 years | -5.4% | -405K shares |
| 5 years | -6% | -452K shares |
| Available history | -14% | -1.1M shares |
MNSB has 7M diluted shares, down 7.6% from a year ago, with $15M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5M |
| Q1 2026 | $6.1M |
| Q4 2025 | $3.9M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $446,000 |
| Q4 2024 | $13,000 |
MNSB spent $15M buying back its own shares over the past year, more than ten times what it spent the year before.
MNSB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.7x | Healthy |
| Q2 2026 | 1.5x | Healthy |
| Q1 2026 | 1.5x | Healthy |
| Q4 2025 | 1.9x | Healthy |
| Q3 2024 | 1.9x | Healthy |
| Q2 2024 | 1.3x | Healthy |
| Q1 2024 | 0.8x | Very low |
| Q4 2023 | 0.5x | Very low |
MNSB's net debt is about 1.7 years of its operating earnings (EBITDA), down from 1.9 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MNSB.
MNSB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.4 | Neutral |
| Stochastic | 16.6 | Oversold |
MNSB's weekly RSI is 38 (neutral) and its Stochastic is 17 (oversold).
MNSB PE vs Financial Services Sector
| Metric | MNSB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 75 | 63 | 12 pts above |
MNSB is trading at 11x earnings, a 16% discount to the Financial Services sector's median of 13x.
MNSB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.5 | 8.5% below |
| 20 week MA | $24.1 | 11% below |
| 50 week MA | $23.0 | 6.8% below |
| 100 week MA | $20.9 | 2.7% above |
| 200 week MA | $20.8 | 3.2% above |
MNSB has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 3.2% above its 200-week average.
MNSB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.0 | $16.8 | -27% |
| 2021 | $16.8 | $23.8 | +42% |
| 2022 | $23.8 | $27.4 | +15% |
| 2023 | $27.4 | $24.8 | -9.3% |
| 2024 | $24.8 | $18.0 | -27% |
| 2025 | $18.0 | $21.0 | +17% |
| 2026 YTD | $21.0 | $21.5 | +2.1% |
MNSB has finished lower in three of the last six years. It's up 2.1% so far in 2026.