19.48 USD
+0.05 (+0.26%)
19.48 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to MNSB. MNSB was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of MNSB have multiple concerns. MNSB has a decent growth rate and is not valued too expensively.
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.
Of the past 5 years MNSB 4 years were profitable.
In the past 5 years MNSB always reported a positive cash flow from operatings.
1.2 Ratios
MNSB's Return On Assets of -0.52% is on the low side compared to the rest of the industry. MNSB is outperformed by 94.57% of its industry peers.
MNSB has a Return On Equity of -5.16%. This is amonst the worse of the industry: MNSB underperforms 94.83% 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.
The number of shares outstanding for MNSB has been increased compared to 1 year ago.
MNSB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MNSB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MNSB is 11.57, which is on the high side as it means it would take MNSB, 11.57 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.57, MNSB is doing worse than 78.81% of the companies in the same industry.
A Debt/Equity ratio of 0.33 indicates that MNSB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.33, MNSB is not doing good in the industry: 69.51% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 11.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC31.06%
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 strongly by -175.41% in the last year.
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.
The Revenue is expected to grow by 7.66% on average over the next years.
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
MNSB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 8.30, the valuation of MNSB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, MNSB is valued cheaply inside the industry as 82.95% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of MNSB to the average of the S&P500 Index (36.12), we can say MNSB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.3 |
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 73.13% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.72 | ||
| 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
MNSB has a Yearly Dividend Yield of 2.15%.
Compared to an average industry Dividend Yield of 3.33, 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 | 2.15% |
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
The earnings of MNSB are negative and hence is the payout ratio. MNSB will probably not be able to sustain this dividend level.
DP-47.26%
EPS Next 2Y86.18%
EPS Next 3Y51.15%
19.48
+0.05 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.04%
Inst Owner Change7.53%
Ins Owners8.33%
Ins Owner Change0.63%
Market Cap146.10M
Revenue(TTM)72.38M
Net Income(TTM)-11.02M
Analysts85.71
Price Target23.72 (21.77%)
Short Float %3.01%
Short Ratio5.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
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)-6.06%
PT rev (3m)-6.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.76%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.3 | ||
| P/S | 2.08 | ||
| P/FCF | 23.72 | ||
| P/OCF | 11.62 | ||
| P/B | 0.68 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.92
EYN/A
EPS(NY)2.35
Fwd EY12.04%
FCF(TTM)0.82
FCFY4.22%
OCF(TTM)1.68
OCFY8.6%
SpS9.38
BVpS28.46
TBVpS28.46
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
WACC31.06%
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%.