MNSB
MainStreet Bancshares, Inc.
MNSB's outlook is improving, though it still trails on the overall score.
MS
Morgan Stanley
MS has the edge over MNSB overall, supported by stronger valuation and stronger modeled upside.
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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
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 has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x 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.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
MS has the edge over MNSB on the outlook, with more favorable profitability expectations.
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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over MNSB on earnings, with more consistent year-over-year improvement.
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.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over MNSB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over MNSB on profitability, with a higher operating margin.
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 has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
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 the edge over MS on shareholder dilution, with a more favorable share count trend.
| 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.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
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 has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
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).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
MNSB PE vs Financial Services Sector
| Metric | MNSB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 75 | 63 | 12 pts above |
MNSB has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium 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.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS has the edge over MNSB on trend strength, trading above more of its moving averages.
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.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has the edge over MNSB on returns for 2026, with the stronger performance.