MAINSTREET BANCSHARES INC (MNSB) Fundamental Analysis & Valuation

NASDAQ:MNSB • US56064Y1001

Current stock price

23.23 USD
-0.13 (-0.56%)
Last:

This MNSB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MNSB Profitability Analysis

1.1 Basic Checks

  • In the past year MNSB was profitable.
  • In the past year MNSB had a positive cash flow from operations.
  • MNSB had positive earnings in 4 of the past 5 years.
  • MNSB had a positive operating cash flow in each of the past 5 years.
MNSB Yearly Net Income VS EBIT VS OCF VS FCFMNSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

1.2 Ratios

  • With a Return On Assets value of 0.61%, MNSB is not doing good in the industry: 79.31% of the companies in the same industry are doing better.
  • With a Return On Equity value of 6.16%, MNSB is not doing good in the industry: 76.39% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.61%
ROE 6.16%
ROIC N/A
ROA(3y)0.42%
ROA(5y)0.75%
ROE(3y)3.78%
ROE(5y)6.86%
ROIC(3y)N/A
ROIC(5y)N/A
MNSB Yearly ROA, ROE, ROICMNSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • MNSB has a Profit Margin of 18.29%. This is in the lower half of the industry: MNSB underperforms 77.19% of its industry peers.
  • MNSB's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for MNSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.66%
PM growth 5Y-8.31%
GM growth 3YN/A
GM growth 5YN/A
MNSB Yearly Profit, Operating, Gross MarginsMNSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. MNSB Health Analysis

2.1 Basic Checks

  • MNSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • MNSB has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, MNSB has more shares outstanding
  • MNSB has a better debt/assets ratio than last year.
MNSB Yearly Shares OutstandingMNSB Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
MNSB Yearly Total Debt VS Total AssetsMNSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • MNSB has a debt to FCF ratio of 6.57. This is a slightly negative value and a sign of low solvency as MNSB would need 6.57 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 6.57, MNSB is not doing good in the industry: 76.13% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.32 indicates that MNSB is not too dependend on debt financing.
  • MNSB has a Debt to Equity ratio of 0.32. This is in the lower half of the industry: MNSB underperforms 69.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 6.57
Altman-Z N/A
ROIC/WACCN/A
WACC26.64%
MNSB Yearly LT Debt VS Equity VS FCFMNSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MNSB Yearly Current Assets VS Current LiabilitesMNSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 2M 4M 6M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. MNSB Growth Analysis

3.1 Past

  • MNSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 208.75%, which is quite impressive.
  • Measured over the past years, MNSB shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.64% on average per year.
  • The Revenue has grown by 12.32% in the past year. This is quite good.
  • MNSB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.61% yearly.
EPS 1Y (TTM)208.75%
EPS 3Y-18.97%
EPS 5Y-1.64%
EPS Q2Q%120.91%
Revenue 1Y (TTM)12.32%
Revenue growth 3Y-0.57%
Revenue growth 5Y6.61%
Sales Q2Q%9.48%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.37% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 4.08% on average over the next years.
EPS Next Y24.28%
EPS Next 2Y17.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.4%
Revenue Next 2Y4.08%
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 accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MNSB Yearly Revenue VS EstimatesMNSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
MNSB Yearly EPS VS EstimatesMNSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2 3

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4

4. MNSB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.35, the valuation of MNSB can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of MNSB is on the same level as its industry peers.
  • MNSB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
  • A Price/Forward Earnings ratio of 10.74 indicates a reasonable valuation of MNSB.
  • MNSB's Price/Forward Earnings ratio is in line with the industry average.
  • MNSB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.20.
Industry RankSector Rank
PE 13.35
Fwd PE 10.74
MNSB Price Earnings VS Forward Price EarningsMNSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MNSB is valued a bit more expensive than 70.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.88
EV/EBITDA N/A
MNSB Per share dataMNSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MNSB's earnings are expected to grow with 17.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y17.37%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. MNSB Dividend Analysis

5.1 Amount

  • MNSB has a Yearly Dividend Yield of 1.69%.
  • Compared to an average industry Dividend Yield of 2.53, MNSB is paying slightly less dividend.
  • MNSB's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.69%

5.2 History

  • The dividend of MNSB is nicely growing with an annual growth rate of 53.28%!
  • MNSB has been paying a dividend for over 5 years, so it has already some track record.
  • MNSB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)53.28%
Div Incr Years0
Div Non Decr Years3
MNSB Yearly Dividends per shareMNSB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • MNSB pays out 38.69% of its income as dividend. This is a sustainable payout ratio.
  • MNSB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.69%
EPS Next 2Y17.37%
EPS Next 3YN/A
MNSB Yearly Income VS Free CF VS DividendMNSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M
MNSB Dividend Payout.MNSB Dividend Payout, showing the Payout Ratio.MNSB Dividend Payout.PayoutRetained Earnings

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MNSB Fundamentals: All Metrics, Ratios and Statistics

MAINSTREET BANCSHARES INC

NASDAQ:MNSB (4/16/2026, 4:30:02 PM)

23.23

-0.13 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners62.9%
Inst Owner Change0%
Ins Owners8.31%
Ins Owner Change-2.85%
Market Cap179.57M
Revenue(TTM)73.57M
Net Income(TTM)13.46M
Analysts82.86
Price Target26.78 (15.28%)
Short Float %3.03%
Short Ratio3.4
Dividend
Industry RankSector Rank
Dividend Yield 1.69%
Yearly Dividend0.69
Dividend Growth(5Y)53.28%
DP38.69%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-09
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4%
Min EPS beat(2)-7.96%
Max EPS beat(2)-0.04%
EPS beat(4)2
Avg EPS beat(4)5.59%
Min EPS beat(4)-7.96%
Max EPS beat(4)16.71%
EPS beat(8)2
Avg EPS beat(8)-151.65%
EPS beat(12)3
Avg EPS beat(12)-101.76%
EPS beat(16)7
Avg EPS beat(16)-73.76%
Revenue beat(2)0
Avg Revenue beat(2)-6.04%
Min Revenue beat(2)-6.54%
Max Revenue beat(2)-5.53%
Revenue beat(4)1
Avg Revenue beat(4)-1.21%
Min Revenue beat(4)-6.54%
Max Revenue beat(4)8.3%
Revenue beat(8)1
Avg Revenue beat(8)-4.44%
Revenue beat(12)2
Avg Revenue beat(12)-5.69%
Revenue beat(16)6
Avg Revenue beat(16)-1.14%
PT rev (1m)12.9%
PT rev (3m)12.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.17%
EPS NY rev (1m)0%
EPS NY rev (3m)3.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.03%
Valuation
Industry RankSector Rank
PE 13.35
Fwd PE 10.74
P/S 2.44
P/FCF 16.88
P/OCF 12.12
P/B 0.82
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)1.74
EY7.49%
EPS(NY)2.16
Fwd EY9.31%
FCF(TTM)1.38
FCFY5.92%
OCF(TTM)1.92
OCFY8.25%
SpS9.52
BVpS28.28
TBVpS28.28
PEG (NY)0.55
PEG (5Y)N/A
Graham Number33.273 (43.23%)
Profitability
Industry RankSector Rank
ROA 0.61%
ROE 6.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.29%
GM N/A
FCFM 14.46%
ROA(3y)0.42%
ROA(5y)0.75%
ROE(3y)3.78%
ROE(5y)6.86%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.66%
PM growth 5Y-8.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 6.57
Debt/EBITDA N/A
Cap/Depr 94.95%
Cap/Sales 5.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 79.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC26.64%
ROIC/WACCN/A
Cap/Depr(3y)166.63%
Cap/Depr(5y)220.29%
Cap/Sales(3y)7.32%
Cap/Sales(5y)7.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)208.75%
EPS 3Y-18.97%
EPS 5Y-1.64%
EPS Q2Q%120.91%
EPS Next Y24.28%
EPS Next 2Y17.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.32%
Revenue growth 3Y-0.57%
Revenue growth 5Y6.61%
Sales Q2Q%9.48%
Revenue Next Year4.4%
Revenue Next 2Y4.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.84%
FCF growth 3Y-25.53%
FCF growth 5Y-7.54%
OCF growth 1Y0.48%
OCF growth 3Y-23.85%
OCF growth 5Y-2.74%

MAINSTREET BANCSHARES INC / MNSB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MAINSTREET BANCSHARES INC (MNSB) stock?

ChartMill assigns a fundamental rating of 3 / 10 to MNSB.


What is the valuation status of MAINSTREET BANCSHARES INC (MNSB) stock?

ChartMill assigns a valuation rating of 4 / 10 to MAINSTREET BANCSHARES INC (MNSB). This can be considered as Fairly Valued.


Can you provide the profitability details for MAINSTREET BANCSHARES INC?

MAINSTREET BANCSHARES INC (MNSB) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for MNSB stock?

The Price/Earnings (PE) ratio for MAINSTREET BANCSHARES INC (MNSB) is 13.35 and the Price/Book (PB) ratio is 0.82.


What is the financial health of MAINSTREET BANCSHARES INC (MNSB) stock?

The financial health rating of MAINSTREET BANCSHARES INC (MNSB) is 1 / 10.