MAINSTREET BANCSHARES INC (MNSB)
US56064Y1001 - Common Stock
Overall MNSB gets a fundamental rating of 3 out of 10. We evaluated MNSB against 411 industry peers in the Banks industry. While MNSB is still in line with the averages on profitability rating, there are concerns on its financial health. MNSB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MNSB had positive earnings in the past year.
In the past year MNSB had a positive cash flow from operations.
In the past 5 years MNSB has always been profitable.
MNSB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MNSB (0.95%) is better than 60.10% of its industry peers.
The Return On Equity of MNSB (8.78%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.78% | ||
| ROIC | N/A |
ROA(3y)1.23%
ROA(5y)1.14%
ROE(3y)11.33%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MNSB has a Profit Margin of 26.55%. This is in the better half of the industry: MNSB outperforms 67.64% of its industry peers.
MNSB's Profit Margin has improved in the last couple of years.
MNSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.84%
PM growth 5Y2.78%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MNSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
MNSB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, MNSB has less shares outstanding
MNSB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of MNSB is 3.58, which is a good value as it means it would take MNSB, 3.58 years of fcf income to pay off all of its debts.
MNSB has a Debt to FCF ratio of 3.58. This is comparable to the rest of the industry: MNSB outperforms 42.58% of its industry peers.
A Debt/Equity ratio of 0.33 indicates that MNSB is not too dependend on debt financing.
MNSB has a Debt to Equity ratio of 0.33. This is in the lower half of the industry: MNSB underperforms 63.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 3.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for MNSB have decreased strongly by -28.57% in the last year.
The Earnings Per Share has been growing by 18.65% on average over the past years. This is quite good.
Looking at the last year, MNSB shows a decrease in Revenue. The Revenue has decreased by -8.47% in the last year.
The Revenue has been growing by 18.26% on average over the past years. This is quite good.
EPS 1Y (TTM)-28.57%
EPS 3Y19.8%
EPS 5Y18.65%
EPS Q2Q%-64.36%
Revenue 1Y (TTM)-8.47%
Revenue growth 3Y14.2%
Revenue growth 5Y18.26%
Sales Q2Q%-30.41%
3.2 Future
MNSB is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -32.54% yearly.
The Revenue is expected to grow by 0.06% on average over the next years.
EPS Next Y-58.73%
EPS Next 2Y-32.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-14.62%
Revenue Next 2Y0.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.50, the valuation of MNSB can be described as very cheap.
Based on the Price/Earnings ratio, MNSB is valued cheaply inside the industry as 92.21% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of MNSB to the average of the S&P500 Index (28.05), we can say MNSB is valued rather cheaply.
The Price/Forward Earnings ratio is 11.43, which indicates a very decent valuation of MNSB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MNSB indicates a slightly more expensive valuation: MNSB is more expensive than 64.96% of the companies listed in the same industry.
MNSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.07, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 11.43 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MNSB indicates a rather cheap valuation: MNSB is cheaper than 80.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as MNSB's earnings are expected to decrease with -32.54% in the coming years.
PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y-32.54%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MNSB has a Yearly Dividend Yield of 2.33%.
Compared to an average industry Dividend Yield of 3.76, MNSB is paying slightly less dividend.
MNSB's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
5.2 History
MNSB has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
26.45% of the earnings are spent on dividend by MNSB. This is a low number and sustainable payout ratio.
DP26.45%
EPS Next 2Y-32.54%
EPS Next 3YN/A
MAINSTREET BANCSHARES INC
NASDAQ:MNSB (5/31/2024, 7:00:00 PM)
After market: 16.9 0 (0%)16.9
+0.17 (+1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap128.61M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 11.43 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.78% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.55% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-28.57%
EPS 3Y19.8%
EPS 5Y
EPS Q2Q%
EPS Next Y-58.73%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.47%
Revenue growth 3Y14.2%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y