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MNSBMainStreet Bancshares, Inc.
$24.05$171M
Overview & Verdict
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MNSB logoMainStreet Bancshares, Inc.(MNSB)Earnings, Financials & Key Ratios

MNSB•NASDAQ•Banking & Credit
$24.05
13.7× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutMainStreet 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.Show more
  • Net Interest Income$70M+11.1%
  • Total Revenue$136M-1.4%
  • Net Income$16M+256.4%
  • Return on Equity7.32%+257.5%
  • Net Interest Margin3.14%+11.9%
  • Efficiency Ratio40.34%-23.8%
  • ROA0.7%+250.2%
  • Equity / Assets9.88%+5.8%
  • Book Value per Share28.56+4.5%

MNSB Price & Volume

MainStreet Bancshares, Inc. (MNSB) stock price & volume — 10-year historical chart

Loading chart...

Stagnant Margins Challenge MainStreet Bancshares Growth Outlook

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:CRE and Funding Concentration

Key Thesis Takeaways

  • MainStreet Bancshares faces a complex transition as it attempts to balance traditional commercial lending with the capital-intensive development of its Avenu digital platform.
  • While the bank has recovered from a significant $16.2 million loss in 2024Q4, persistent net interest margin compression at 0.8% and high geographic concentration in the D.C.
  • metropolitan area continue to weigh on long-term profitability.
  • Investors should monitor whether the bank can scale its fee income, which currently represents only 1.3% of total revenue, to offset the inherent volatility in its credit provisioning and asset quality.

Verdict Logic

the stock trades at a P/B of 0.88, but the lack of meaningful margin expansion above 0.8% and the reliance on a securities-heavy balance sheet suggest limited upside potential in the near term.

MNSB Growth Metrics

MainStreet Bancshares, Inc. (MNSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years21.58%
5 Years14.34%
3 Years15.29%
TTM-

Profit CAGR

10 Years21.82%
5 Years-0.13%
3 Years-16.35%
TTM259.36%

EPS CAGR

10 Years13.64%
5 Years-0.99%
3 Years-18.57%
TTM215.97%

Return on Capital

10 Years6.98%
5 Years6.71%
3 Years3.52%
Last Year6.02%

MNSB Recent Earnings

MainStreet Bancshares, Inc. (MNSB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 20, 2026
Metric
Actual
Est
EPS
$0.48+6.7%
$0.45
Rev
$18M-11.8%
$20M
Q2 2026
Mar 13, 2026
Metric
Actual
Est
EPS
$0.54+19.1%
$0.45
Rev
$33M
—
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$0.46-6.1%
$0.49
Rev
$18M-7.9%
$20M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$0.52+2.0%
$0.51
Rev
$18M-6.8%
$19M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$0.48vs $0.45+6.7%
$18Mvs $20M-11.8%
Q2 2026Mar 13, 2026
$0.54vs $0.45+19.1%
$33M
Q1 2026Jan 26, 2026
$0.46vs $0.49-6.1%
$18Mvs $20M-7.9%
Q4 2025Oct 27, 2025
$0.52vs $0.51+2.0%
$18Mvs $19M-6.8%
Based on last 12 quarters of dataView full earnings history →

Latest MNSB News

Recent stock market news and headlines for MainStreet Bancshares, Inc. (MNSB)

Zacks Investment Research·4 days ago
Should Value Investors Buy MainStreet Bank (MNSB) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Zacks Investment Research·Jun 25, 2026
MainStreet Bank (MNSB) Upgraded to Buy: Here's Why

MainStreet Bank (MNSB) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Peers Comparison

Key metrics vs top competitors for MainStreet Bancshares, Inc. (MNSB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
MNSB logoMNSBMainStreet Bancshares, Inc.Current
$24.06$171.21M13.67-1.44%11.49%7.32%1.66%
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
CARE logoCARECarter Bankshares, Inc.
$32.32$718.22M23.096.24%33.81%24.82%—
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—
MVBF logoMVBFMVB Financial Corp.
$28.62$367.76M13.8918.96%14.29%8.79%—
UBSI logoUBSIUnited Bankshares, Inc.
$46.14$6.36B14.1112.33%36.72%9.27%—

Compare MNSB vs Peers

MainStreet Bancshares, Inc. (MNSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for MNSB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare MNSB against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CARE, FXNC, MVBF

MNSB SEC Filings & Documents

MainStreet Bancshares, Inc. (MNSB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 26, 2026·SEC

Material company update

May 22, 2026·SEC

Material company update

Apr 24, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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MNSB Frequently Asked Questions

MainStreet Bancshares, Inc. (MNSB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is MainStreet Bancshares, Inc. growing?

MainStreet Bancshares, Inc. (MNSB) saw revenue decline by 1.4% over the past year.

Is MNSB profitable?

Yes, MainStreet Bancshares, Inc. (MNSB) is profitable, generating $17.3M in net income for fiscal year 2025 (11.5% net margin).

Dividend & Returns
Does MNSB pay dividends?

Yes, MainStreet Bancshares, Inc. (MNSB) pays a dividend with a yield of 1.66%. This makes it attractive for income-focused investors.

What is MNSB's return on equity?

MainStreet Bancshares, Inc. (MNSB) has a return on equity (ROE) of 7.3%. This is below average, suggesting room for improvement.

Industry Metrics
What is MainStreet Bancshares, Inc.'s net interest margin?

MainStreet Bancshares, Inc. (MNSB) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is MainStreet Bancshares, Inc.'s efficiency ratio?

MainStreet Bancshares, Inc. (MNSB) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in MNSB back in 2004?

Total return calculator · dividends reinvested · 22+ years of data

See returns →