MAINSTREET BANCSHARES INC (MNSB) Stock Fundamental Analysis

NASDAQ:MNSB • US56064Y1001

22.295 USD
-0.14 (-0.65%)
At close: Feb 12, 2026
22.295 USD
0 (0%)
After Hours: 2/12/2026, 4:30:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

MNSB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. Both the profitability and financial health of MNSB have multiple concerns. MNSB is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year MNSB was profitable.
  • In the past year MNSB had a positive cash flow from operations.
  • In multiple years MNSB reported negative net income over the last 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 0 20M 40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -0.32%, MNSB is doing worse than 91.34% of the companies in the same industry.
  • With a Return On Equity value of -3.10%, MNSB is not doing good in the industry: 91.86% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.32%
ROE -3.1%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for MNSB so they could not be analyzed.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 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.
  • Looking at the Debt to FCF ratio, with a value of 7.78, MNSB is doing worse than 76.64% of the companies in the same industry.
  • MNSB has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • MNSB has a Debt to Equity ratio of 0.32. This is in the lower half of the industry: MNSB underperforms 67.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 7.78
Altman-Z N/A
ROIC/WACCN/A
WACC29.15%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 208.75% over the past year.
  • 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.
EPS 1Y (TTM)208.75%
EPS 3Y-18.97%
EPS 5Y-1.64%
EPS Q2Q%120.91%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.48%

3.2 Future

  • Based on estimates for the next years, MNSB will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.61% on average per year.
  • Based on estimates for the next years, MNSB will show a small growth in Revenue. The Revenue will grow by 3.73% on average per year.
EPS Next Y20.17%
EPS Next 2Y15.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.33%
Revenue Next 2Y3.73%
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.
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. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.81 indicates a correct valuation of MNSB.
  • The rest of the industry has a similar Price/Earnings ratio as MNSB.
  • The average S&P500 Price/Earnings ratio is at 27.67. MNSB is valued rather cheaply when compared to this.
  • MNSB is valuated reasonably with a Price/Forward Earnings ratio of 10.66.
  • 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 27.69, MNSB is valued rather cheaply.
Industry RankSector Rank
PE 12.81
Fwd PE 10.66
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 69.55% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.63
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.
  • A more expensive valuation may be justified as MNSB's earnings are expected to grow with 15.61% in the coming years.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y15.61%
EPS Next 3YN/A

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

2

5. Dividend

5.1 Amount

  • MNSB has a Yearly Dividend Yield of 1.77%.
  • 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 1.80.
Industry RankSector Rank
Dividend Yield 1.77%

5.2 History

  • MNSB has been paying a dividend for over 5 years, so it has already some track record.
  • MNSB has decreased its dividend 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

  • The earnings of MNSB are negative and hence is the payout ratio. MNSB will probably not be able to sustain this dividend level.
DP-77.13%
EPS Next 2Y15.61%
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 0 20M 40M

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MAINSTREET BANCSHARES INC

NASDAQ:MNSB (2/12/2026, 4:30:01 PM)

After market: 22.295 0 (0%)

22.295

-0.14 (-0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners61.92%
Inst Owner Change-0.1%
Ins Owners7.99%
Ins Owner Change-5.17%
Market Cap167.21M
Revenue(TTM)N/A
Net Income(TTM)-6.76M
Analysts85.71
Price Target23.72 (6.39%)
Short Float %2.88%
Short Ratio4.37
Dividend
Industry RankSector Rank
Dividend Yield 1.77%
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)-6.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.91%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.6%
Valuation
Industry RankSector Rank
PE 12.81
Fwd PE 10.66
P/S 2.31
P/FCF 18.63
P/OCF 12.22
P/B 0.77
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)1.74
EY7.8%
EPS(NY)2.09
Fwd EY9.38%
FCF(TTM)1.2
FCFY5.37%
OCF(TTM)1.82
OCFY8.19%
SpS9.65
BVpS29.12
TBVpS29.12
PEG (NY)0.64
PEG (5Y)N/A
Graham Number33.76
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)0.64%
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-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
WACC29.15%
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)208.75%
EPS 3Y-18.97%
EPS 5Y-1.64%
EPS Q2Q%120.91%
EPS Next Y20.17%
EPS Next 2Y15.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.48%
Revenue Next Year3.33%
Revenue Next 2Y3.73%
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-69.95%
FCF growth 3Y-45.76%
FCF growth 5Y-10.63%
OCF growth 1Y-62.99%
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.


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 1 / 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 20.17% 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%.