MAINSTREET BANCSHARES INC (MNSB)
US56064Y1001 - Common Stock
We assign a fundamental rating of 3 out of 10 to MNSB. MNSB was compared to 412 industry peers in the Banks industry. There are concerns on the financial health of MNSB while its profitability can be described as average. 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.
MNSB had a positive operating cash flow in the past year.
In the past 5 years MNSB has always been profitable.
Each year in the past 5 years MNSB had a positive operating cash flow.
1.2 Ratios
MNSB's Return On Assets of 1.20% is fine compared to the rest of the industry. MNSB outperforms 77.67% of its industry peers.
With a decent Return On Equity value of 11.03%, MNSB is doing good in the industry, outperforming 69.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 11.03% | ||
| 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
With a decent Profit Margin value of 30.70%, MNSB is doing good in the industry, outperforming 78.88% of the companies in the same industry.
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) | 30.7% | ||
| 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.
Compared to 1 year ago, MNSB has more shares outstanding
The number of shares outstanding for MNSB has been reduced compared to 5 years ago.
The debt/assets ratio for MNSB has been reduced compared to a year ago.
2.2 Solvency
MNSB has a debt to FCF ratio of 2.83. This is a good value and a sign of high solvency as MNSB would need 2.83 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.83, MNSB is in line with its industry, outperforming 47.09% of the companies in the same industry.
A Debt/Equity ratio of 0.33 indicates that MNSB is not too dependend on debt financing.
The Debt to Equity ratio of MNSB (0.33) is worse than 63.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.4%
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 by -0.61% in the last year.
MNSB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.65% yearly.
Looking at the last year, MNSB shows a small growth in Revenue. The Revenue has grown by 6.32% in the last year.
MNSB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.26% yearly.
EPS 1Y (TTM)-0.61%
EPS 3Y19.8%
EPS 5Y18.65%
EPS growth Q2Q-34.74%
Revenue 1Y (TTM)6.32%
Revenue growth 3Y14.2%
Revenue growth 5Y18.26%
Revenue growth Q2Q-17.51%
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 -17.38% yearly.
Based on estimates for the next years, MNSB will show a decrease in Revenue. The Revenue will decrease by -1.11% on average per year.
EPS Next Y-35.66%
EPS Next 2Y-17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.79%
Revenue Next 2Y-1.11%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
The Price/Earnings ratio is 5.10, which indicates a rather cheap valuation of MNSB.
Based on the Price/Earnings ratio, MNSB is valued cheaply inside the industry as 96.60% of the companies are valued more expensively.
MNSB is valuated cheaply when we compare the Price/Earnings ratio to 28.28, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.92 indicates a rather cheap valuation of MNSB.
MNSB's Price/Forward Earnings ratio is rather cheap when compared to the industry. MNSB is cheaper than 83.98% of the companies in the same industry.
MNSB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.1 | ||
| Fwd PE | 7.92 |
4.2 Price Multiples
MNSB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MNSB is cheaper than 88.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as MNSB's earnings are expected to decrease with -17.38% in the coming years.
PEG (NY)N/A
PEG (5Y)0.27
EPS Next 2Y-17.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MNSB has a Yearly Dividend Yield of 2.62%.
Compared to an average industry Dividend Yield of 3.81, MNSB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, MNSB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
5.2 History
MNSB has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
21.15% of the earnings are spent on dividend by MNSB. This is a low number and sustainable payout ratio.
DP21.15%
EPS Next 2Y-17.38%
EPS Next 3YN/A
MAINSTREET BANCSHARES INC
NASDAQ:MNSB (5/3/2024, 7:06:43 PM)
After market: 16.56 0 (0%)16.56
+0.38 (+2.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap126.02M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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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)
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Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.1 | ||
| Fwd PE | 7.92 | ||
| 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)0.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 11.03% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.7% | ||
| 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)
Growth
EPS 1Y (TTM)-0.61%
EPS 3Y19.8%
EPS 5Y
EPS growth Q2Q
EPS Next Y-35.66%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)6.32%
Revenue growth 3Y14.2%
Revenue growth 5Y
Revenue growth 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
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EBIT Next 5Y
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FCF growth 3Y
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