MAINSTREET BANCSHARES INC (MNSB) Fundamental Analysis & Valuation

NASDAQ:MNSB • US56064Y1001

Current stock price

21.185 USD
-0.09 (-0.4%)
At close:
21.187 USD
+0 (+0.01%)
After Hours:

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

  • MNSB had positive earnings in the past year.
  • MNSB had a positive operating cash flow in the past year.
  • MNSB had positive earnings in 4 of the past 5 years.
  • MNSB had a positive operating cash flow in 4 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

  • MNSB has a Return On Assets of -0.32%. This is amonst the worse of the industry: MNSB underperforms 92.39% of its industry peers.
  • MNSB has a Return On Equity of -3.10%. This is amonst the worse of the industry: MNSB underperforms 92.91% of its industry peers.
Industry RankSector Rank
ROA -0.32%
ROE -3.1%
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

  • In the last couple of years the Profit Margin of MNSB has declined.
  • MNSB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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.
  • MNSB has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MNSB has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of MNSB is 7.78, which is on the high side as it means it would take MNSB, 7.78 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 7.78, MNSB is not doing good in the industry: 75.59% 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.
  • With a Debt to Equity ratio value of 0.32, MNSB is not doing good in the industry: 67.98% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 7.78
Altman-Z N/A
ROIC/WACCN/A
WACC29.58%
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 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.
  • The Earnings Per Share has been decreasing by -1.64% on average over the past years.
  • Looking at the last year, MNSB shows a quite strong growth in Revenue. The Revenue has grown by 12.32% in the last year.
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 12.18, the valuation of MNSB can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as MNSB.
  • MNSB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
  • Based on the Price/Forward Earnings ratio of 9.80, the valuation of MNSB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MNSB is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.42, MNSB is valued rather cheaply.
Industry RankSector Rank
PE 12.18
Fwd PE 9.8
MNSB Price Earnings VS Forward Price EarningsMNSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MNSB is valued a bit more expensive than 71.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.24
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

  • MNSB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as MNSB's earnings are expected to grow with 17.37% in the coming years.
PEG (NY)0.5
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

2

5. MNSB Dividend Analysis

5.1 Amount

  • MNSB has a Yearly Dividend Yield of 1.88%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, MNSB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, MNSB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.88%

5.2 History

  • MNSB has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of MNSB decreased in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-77.13%
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

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MNSB Fundamentals: All Metrics, Ratios and Statistics

MAINSTREET BANCSHARES INC

NASDAQ:MNSB (3/20/2026, 8:11:00 PM)

After market: 21.187 +0 (+0.01%)

21.185

-0.09 (-0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners64.34%
Inst Owner Change2.34%
Ins Owners8.57%
Ins Owner Change-2.52%
Market Cap163.76M
Revenue(TTM)73.57M
Net Income(TTM)-6.76M
Analysts82.86
Price Target23.72 (11.97%)
Short Float %3.13%
Short Ratio3.4
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP-77.13%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.8%
Min EPS beat(2)-0.04%
Max EPS beat(2)13.64%
EPS beat(4)2
Avg EPS beat(4)-251.86%
Min EPS beat(4)-1037.77%
Max EPS beat(4)16.71%
EPS beat(8)2
Avg EPS beat(8)-151.9%
EPS beat(12)4
Avg EPS beat(12)-101.09%
EPS beat(16)7
Avg EPS beat(16)-73.65%
Revenue beat(2)1
Avg Revenue beat(2)0.88%
Min Revenue beat(2)-6.54%
Max Revenue beat(2)8.3%
Revenue beat(4)1
Avg Revenue beat(4)-1.43%
Min Revenue beat(4)-6.54%
Max Revenue beat(4)8.3%
Revenue beat(8)1
Avg Revenue beat(8)-5.85%
Revenue beat(12)3
Avg Revenue beat(12)-4.3%
Revenue beat(16)7
Avg Revenue beat(16)0.05%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.41%
EPS NY rev (3m)3.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.03%
Revenue NY rev (3m)1.03%
Valuation
Industry RankSector Rank
PE 12.18
Fwd PE 9.8
P/S 2.26
P/FCF 18.24
P/OCF 11.96
P/B 0.75
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)1.74
EY8.21%
EPS(NY)2.16
Fwd EY10.21%
FCF(TTM)1.16
FCFY5.48%
OCF(TTM)1.77
OCFY8.36%
SpS9.36
BVpS28.25
TBVpS28.25
PEG (NY)0.5
PEG (5Y)N/A
Graham Number33.26
Profitability
Industry RankSector Rank
ROA -0.32%
ROE -3.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 12.4%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 7.78
Debt/EBITDA N/A
Cap/Depr 104.25%
Cap/Sales 6.51%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC29.58%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 1Y9.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-6.32%
OCF growth 3YN/A
OCF growth 5YN/A

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.


Can you provide the valuation status for MAINSTREET BANCSHARES INC?

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


What is the profitability of MNSB stock?

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


What is the expected EPS growth for MAINSTREET BANCSHARES INC (MNSB) stock?

The Earnings per Share (EPS) of MAINSTREET BANCSHARES INC (MNSB) is expected to grow by 24.28% in the next year.


Can you provide the dividend sustainability for MNSB stock?

The dividend rating of MAINSTREET BANCSHARES INC (MNSB) is 2 / 10 and the dividend payout ratio is -77.13%.