MAINSTREET BANCSHARES INC (MNSB) Stock Fundamental Analysis
USA - NASDAQ:MNSB - US56064Y1001 - Common Stock
18.15 USD
+0.03 (+0.17%)
Taking everything into account, MNSB scores 2 out of 10 in our fundamental rating. MNSB was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of MNSB have multiple concerns. MNSB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year MNSB has reported negative net income.
MNSB had a positive operating cash flow in the past year.
MNSB had positive earnings in 4 of the past 5 years.
In the past 5 years MNSB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.52%, MNSB is doing worse than 94.59% of the companies in the same industry.
The Return On Equity of MNSB (-5.16%) is worse than 94.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.52% | ||
| ROE | -5.16% | ||
| ROIC | N/A |
ROA(3y)0.64%
ROA(5y)0.81%
ROE(3y)5.85%
ROE(5y)7.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for MNSB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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
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 11.57. This is a negative value and a sign of low solvency as MNSB would need 11.57 years to pay back of all of its debts.
The Debt to FCF ratio of MNSB (11.57) is worse than 79.12% of its industry peers.
MNSB has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of MNSB (0.33) is worse than 71.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 11.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC31.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MNSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -175.41%.
Looking at the last year, MNSB shows a quite strong growth in Revenue. The Revenue has grown by 8.80% in the last year.
The Revenue has been growing by 8.24% on average over the past years. This is quite good.
EPS 1Y (TTM)-175.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1400%
Revenue 1Y (TTM)8.8%
Revenue growth 3Y3.34%
Revenue growth 5Y8.24%
Sales Q2Q%11.46%
3.2 Future
Based on estimates for the next years, MNSB will show a very strong growth in Earnings Per Share. The EPS will grow by 51.15% on average per year.
MNSB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.66% yearly.
EPS Next Y214.11%
EPS Next 2Y86.18%
EPS Next 3Y51.15%
EPS Next 5YN/A
Revenue Next Year12.61%
Revenue Next 2Y7.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for MNSB. In the last year negative earnings were reported.
MNSB is valuated cheaply with a Price/Forward Earnings ratio of 7.74.
MNSB's Price/Forward Earnings ratio is rather cheap when compared to the industry. MNSB is cheaper than 85.31% of the companies in the same industry.
MNSB is valuated cheaply when we compare the Price/Forward Earnings ratio to 33.61, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 7.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MNSB indicates a slightly more expensive valuation: MNSB is more expensive than 71.65% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.72 | ||
| EV/EBITDA | N/A |
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 51.15% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y86.18%
EPS Next 3Y51.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.20%, MNSB has a reasonable but not impressive dividend return.
MNSB's Dividend Yield is slightly below the industry average, which is at 3.38.
MNSB's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
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 Years0
Div Non Decr Years2
5.3 Sustainability
MNSB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-47.26%
EPS Next 2Y86.18%
EPS Next 3Y51.15%
NASDAQ:MNSB (11/10/2025, 8:11:50 PM)
18.15
+0.03 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.04%
Inst Owner Change-0.37%
Ins Owners8.33%
Ins Owner Change0.63%
Market Cap139.94M
Revenue(TTM)72.38M
Net Income(TTM)-11.02M
Analysts85.71
Price Target25.25 (39.12%)
Short Float %3.1%
Short Ratio8.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP-47.26%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.17%
Min EPS beat(2)13.64%
Max EPS beat(2)16.71%
EPS beat(4)2
Avg EPS beat(4)-291.94%
Min EPS beat(4)-1037.77%
Max EPS beat(4)16.71%
EPS beat(8)2
Avg EPS beat(8)-152.14%
EPS beat(12)5
Avg EPS beat(12)-99.19%
EPS beat(16)7
Avg EPS beat(16)-73.66%
Revenue beat(2)1
Avg Revenue beat(2)3.62%
Min Revenue beat(2)-1.06%
Max Revenue beat(2)8.3%
Revenue beat(4)1
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-6.42%
Max Revenue beat(4)8.3%
Revenue beat(8)1
Avg Revenue beat(8)-5.42%
Revenue beat(12)4
Avg Revenue beat(12)-2.87%
Revenue beat(16)8
Avg Revenue beat(16)1.36%
PT rev (1m)0%
PT rev (3m)13.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.77%
EPS NY rev (1m)-3.76%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 7.74 | ||
| P/S | 1.99 | ||
| P/FCF | 22.72 | ||
| P/OCF | 11.13 | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.92
EYN/A
EPS(NY)2.35
Fwd EY12.93%
FCF(TTM)0.8
FCFY4.4%
OCF(TTM)1.63
OCFY8.98%
SpS9.13
BVpS27.69
TBVpS27.69
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.52% | ||
| ROE | -5.16% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 8.75% |
ROA(3y)0.64%
ROA(5y)0.81%
ROE(3y)5.85%
ROE(5y)7.43%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 11.57 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 136.62% | ||
| Cap/Sales | 9.11% | ||
| 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-Score4
WACC31.8%
ROIC/WACCN/A
Cap/Depr(3y)259.66%
Cap/Depr(5y)215.93%
Cap/Sales(3y)8.9%
Cap/Sales(5y)7.26%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-175.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1400%
EPS Next Y214.11%
EPS Next 2Y86.18%
EPS Next 3Y51.15%
EPS Next 5YN/A
Revenue 1Y (TTM)8.8%
Revenue growth 3Y3.34%
Revenue growth 5Y8.24%
Sales Q2Q%11.46%
Revenue Next Year12.61%
Revenue Next 2Y7.66%
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 1Y-78.01%
FCF growth 3Y-45.76%
FCF growth 5Y-10.63%
OCF growth 1Y-65.33%
OCF growth 3Y-37.51%
OCF growth 5Y-2.45%
MAINSTREET BANCSHARES INC / MNSB FAQ
What is the ChartMill fundamental rating of MAINSTREET BANCSHARES INC (MNSB) stock?
ChartMill assigns a fundamental rating of 2 / 10 to MNSB.
What is the valuation status for MNSB stock?
ChartMill assigns a valuation rating of 4 / 10 to MAINSTREET BANCSHARES INC (MNSB). This can be considered as Fairly Valued.
How profitable is MAINSTREET BANCSHARES INC (MNSB) stock?
MAINSTREET BANCSHARES INC (MNSB) has a profitability rating of 2 / 10.
Can you provide the dividend sustainability for MNSB stock?
The dividend rating of MAINSTREET BANCSHARES INC (MNSB) is 1 / 10 and the dividend payout ratio is -47.26%.