arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

MainStreet Bancshares, Inc.

MNSB

$21.66 ▼ -0.34 (-1.52%) at close

9 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

auto_awesome

Analytical Summary

MainStreet Bancshares, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $165.8M

Dividend Yield 1.85%

Revenue Growth 11.8% ↗

Op. Margin 25.9% ↗

ROIC None

FCF / Share None

Trailing P/E 12.3x

Price / Book 0.7x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$73.57M

↑ +11.8% —

Net Income Profit after all expenses

$15.61M

↑ +256.4% —

Operating Margin Operating profit as % of sales

25.9%

↑ +222.8% 83th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.40 Latest / share

+0.0% YoY

+17.0% 4-yr CAGR

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

$0.25

FY 2022

$0.40

FY 2023

$0.40

FY 2024

$0.40

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	11.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+96%)	-17.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-397%)	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	26.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+338%)	11.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+94%)	20.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	28.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+379%)	—	—
EPS Growth YoY (%)	N/M	N/M	-0.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	43.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	9.5% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	22.5% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	N/M	-0.3% Weak ↓ Weak Declining Year-over-year change in net income	20.3% Good ↓ Good Declining Year-over-year change in net income	41.1% Excellent ↑ Excellent Improving Year-over-year change in net income	12.7% Fair Fair Year-over-year change in net income	51.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	14.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	19.4% Excellent Excellent Compound annual revenue growth over 3 years	20.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.2% Good Good Compound annual revenue growth over 5 years	18.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-18.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	20.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	24.5% Excellent Excellent Compound annual EPS growth over 3 years	24.3% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	25.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-21.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-184%)	41.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	44.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	46.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	36.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	39.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	32.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—
Effective Tax Rate (%) (%)	18.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-15.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-169%)	33.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	35.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	37.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	29.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	31.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	26.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	7.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	-4.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-140%)	12.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	11.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	10.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	7.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$9.61	$8.65	$10.65	$10.00	$7.89	—	—	—	—
Basic EPS, GAAP (USD)	$1.76	$-1.60	$3.25	$3.26	$2.65	$1.85	$1.69	$1.38	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.40	$0.40	$0.40	$0.25	—	—	—	—	—
Book Value per Share (USD)	$29.16	$27.35	$29.43	$26.33	$24.85	$22.52	$16.59	$14.83	—
Tangible Book Value per Share (USD)	$29.16	$27.35	$29.43	$26.33	$24.85	$22.52	$16.59	$14.83	—
Basic Weighted Avg Shares (shares)	7.65M	7.61M	7.52M	7.53M	7.56M	—	—	—	—
Dividend Payout Ratio (%)	22.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-25.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$218.59M	$207.99M	$221.52M	$198.28M	$188.79M	$167.66M	$137.03M	$121.25M	$68.80M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$73.57M	$65.83M	$80.08M	$75.31M	$59.65M	$53.43M	$44.30M	$34.41M	—
Depreciation Expense (USD)	$1.10M	$1.50M	$1.30M	$1.30M	$1.20M	$1.10M	$1.00M	$977.74K	—
Net Income, GAAP (USD)	$15.61M	$-9.98M	$26.59M	$26.67M	$22.17M	$15.72M	$13.95M	$9.21M	—
Operating Cash Flow (USD)	$14.81M	$14.74M	$31.63M	$33.54M	$29.12M	$17.02M	$16.69M	$12.59M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.8%	3.8%	3.8%	3.2%	2.8%	3.1%	2.8%	—
Efficiency Ratio (%) (%)	74.1%	110.8%	57.0%	52.5%	55.1%	56.6%	57.3%	58.1%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 9 years · 35 quarters

MainStreet Bancshares, Inc.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare MNSB with peers