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MAINSTREET BANCSHARES INC (MNSB) Stock Fundamental Analysis

NASDAQ:MNSB - Nasdaq - US56064Y1001 - Common Stock - Currency: USD

19.38  -0.02 (-0.1%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to MNSB. MNSB was compared to 395 industry peers in the Banks industry. MNSB has a bad profitability rating. Also its financial health evaluation is rather negative. MNSB is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

MNSB had negative earnings in the past year.
MNSB had a positive operating cash flow in the past year.
Of the past 5 years MNSB 4 years were profitable.
Each year in the past 5 years MNSB had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

MNSB's Return On Assets of -0.58% is on the low side compared to the rest of the industry. MNSB is outperformed by 95.44% of its industry peers.
Looking at the Return On Equity, with a value of -6.20%, MNSB is doing worse than 95.95% of the companies in the same industry.
Industry RankSector Rank
ROA -0.58%
ROE -6.2%
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
MNSB Yearly ROA, ROE, ROICMNSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MNSB Yearly Profit, Operating, Gross MarginsMNSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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1

2. Health

2.1 Basic Checks

MNSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MNSB has been increased compared to 1 year ago.
The number of shares outstanding for MNSB has been reduced compared to 5 years ago.
Compared to 1 year ago, MNSB has an improved debt to assets ratio.
MNSB Yearly Shares OutstandingMNSB Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of MNSB is 8.64, which is on the high side as it means it would take MNSB, 8.64 years of fcf income to pay off all of its debts.
MNSB has a worse Debt to FCF ratio (8.64) than 78.23% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that MNSB is not too dependend on debt financing.
MNSB's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. MNSB is outperformed by 72.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 8.64
Altman-Z N/A
ROIC/WACCN/A
WACC31.05%
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 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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3

3. Growth

3.1 Past

MNSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -165.77%.
The Revenue has decreased by -9.58% in the past year.
The Revenue has been growing by 8.24% on average over the past years. This is quite good.
EPS 1Y (TTM)-165.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.56%
Revenue 1Y (TTM)-9.58%
Revenue growth 3Y3.34%
Revenue growth 5Y8.24%
Sales Q2Q%7.4%

3.2 Future

MNSB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 83.59% yearly.
Based on estimates for the next years, MNSB will show a small growth in Revenue. The Revenue will grow by 5.14% on average per year.
EPS Next Y212.84%
EPS Next 2Y83.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.83%
Revenue Next 2Y5.14%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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 20M 40M 60M 80M
MNSB Yearly EPS VS EstimatesMNSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

MNSB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 8.84, the valuation of MNSB can be described as reasonable.
MNSB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MNSB is cheaper than 61.01% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.77. MNSB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 8.84
MNSB Price Earnings VS Forward Price EarningsMNSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

MNSB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MNSB is more expensive than 72.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.88
EV/EBITDA N/A
MNSB Per share dataMNSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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 83.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y83.59%
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

MNSB has a Yearly Dividend Yield of 2.05%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.45, MNSB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, MNSB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.05%

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 Years2
MNSB Yearly Dividends per shareMNSB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 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-40.02%
EPS Next 2Y83.59%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

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MAINSTREET BANCSHARES INC

NASDAQ:MNSB (5/27/2025, 4:30:01 PM)

19.38

-0.02 (-0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/bmo
Earnings (Next)07-28 2025-07-28/bmo
Inst Owners50.19%
Inst Owner Change-2.42%
Ins Owners8.23%
Ins Owner Change4.39%
Market Cap149.23M
Analysts85.71
Price Target22.19 (14.5%)
Short Float %0.99%
Short Ratio3.72
Dividend
Industry RankSector Rank
Dividend Yield 2.05%
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP-40.02%
Div Incr Years1
Div Non Decr Years2
Ex-Date05-09 2025-05-09 (0.1)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-510.53%
Min EPS beat(2)-1037.77%
Max EPS beat(2)16.71%
EPS beat(4)1
Avg EPS beat(4)-296.68%
Min EPS beat(4)-1037.77%
Max EPS beat(4)16.71%
EPS beat(8)1
Avg EPS beat(8)-154.02%
EPS beat(12)5
Avg EPS beat(12)-99.74%
EPS beat(16)7
Avg EPS beat(16)-71.39%
Revenue beat(2)0
Avg Revenue beat(2)-3.74%
Min Revenue beat(2)-6.42%
Max Revenue beat(2)-1.06%
Revenue beat(4)0
Avg Revenue beat(4)-4.98%
Min Revenue beat(4)-7.24%
Max Revenue beat(4)-1.06%
Revenue beat(8)0
Avg Revenue beat(8)-8.46%
Revenue beat(12)4
Avg Revenue beat(12)-2.58%
Revenue beat(16)8
Avg Revenue beat(16)1.19%
PT rev (1m)0%
PT rev (3m)1.16%
EPS NQ rev (1m)69.23%
EPS NQ rev (3m)83.33%
EPS NY rev (1m)60.91%
EPS NY rev (3m)60.91%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.54%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.84
P/S 2.24
P/FCF 17.88
P/OCF 11.89
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)-1.71
EYN/A
EPS(NY)2.19
Fwd EY11.32%
FCF(TTM)1.08
FCFY5.59%
OCF(TTM)1.63
OCFY8.41%
SpS8.66
BVpS27.22
TBVpS27.22
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.58%
ROE -6.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 12.51%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.34
Debt/FCF 8.64
Debt/EBITDA N/A
Cap/Depr 94.03%
Cap/Sales 6.3%
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
WACC31.05%
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)-165.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.56%
EPS Next Y212.84%
EPS Next 2Y83.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.58%
Revenue growth 3Y3.34%
Revenue growth 5Y8.24%
Sales Q2Q%7.4%
Revenue Next Year7.83%
Revenue Next 2Y5.14%
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-69.6%
FCF growth 3Y-45.76%
FCF growth 5Y-10.63%
OCF growth 1Y-64.21%
OCF growth 3Y-37.51%
OCF growth 5Y-2.45%