MNSB Fundamental Analysis - MAINSTREET BANCSHARES INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to MNSB. MNSB was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of MNSB have multiple concerns. MNSB has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year MNSB has reported negative net income.

In the past year MNSB had a positive cash flow from operations.

Of the past 5 years MNSB 4 years were profitable.

Each year in the past 5 years MNSB had a positive operating cash flow.

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 95.20% of its industry peers.

MNSB has a Return On Equity of -6.20%. This is amonst the worse of the industry: MNSB underperforms 95.45% of its industry peers.

		Industry Rank	Sector 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

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

MNSB has a better debt/assets ratio than last year.

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.

With a Debt to FCF ratio value of 8.64, MNSB is not doing good in the industry: 77.78% of the companies in the same industry are doing better.

MNSB has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.

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 72.98% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	8.64
Altman-Z	N/A

ROIC/WACCN/A

WACC29.66%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for MNSB have decreased strongly by -165.77% in the last year.

Looking at the last year, MNSB shows a decrease in Revenue. The Revenue has decreased by -9.58% in the last year.

Measured over the past years, MNSB shows a quite strong growth in Revenue. The Revenue has been growing by 8.24% on average per year.

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

Based on estimates for the next years, MNSB will show a very strong growth in Earnings Per Share. The EPS will grow by 83.59% on average per year.

The Revenue is expected to grow by 5.14% on average over the next years.

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

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for MNSB. In the last year negative earnings were reported.

A Price/Forward Earnings ratio of 9.76 indicates a reasonable valuation of MNSB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of MNSB indicates a somewhat cheap valuation: MNSB is cheaper than 68.94% of the companies listed 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 36.71.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	9.76

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MNSB is valued a bit more expensive than 69.70% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	19.76
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.

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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5. Dividend

5.1 Amount

MNSB has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.

MNSB's Dividend Yield is slightly below the industry average, which is at 3.29.

Compared to an average S&P500 Dividend Yield of 2.34, MNSB has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.04%

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-40.02%

EPS Next 2Y83.59%

EPS Next 3YN/A

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MAINSTREET BANCSHARES INC

NASDAQ:MNSB (7/22/2025, 8:00:01 PM)

After market: 21.41 0 (0%)

21.41

+1.42 (+7.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/bmo

Earnings (Next)08-05 2025-08-05/bmo

Inst Owners48.51%

Inst Owner Change0%

Ins Owners8.31%

Ins Owner Change3.73%

Market Cap164.86M

Analysts85.71

Price Target22.19 (3.64%)

Short Float %3.23%

Short Ratio5.22

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.04%

Yearly Dividend0.69

Dividend Growth(5Y)N/A

DP-40.02%

Div Incr Years0

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)2.35%

EPS NQ rev (1m)0%

EPS NQ rev (3m)69.23%

EPS NY rev (1m)0%

EPS NY rev (3m)60.91%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.06%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.65%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	9.76
P/S	2.47
P/FCF	19.76
P/OCF	13.14
P/B	0.79
P/tB	0.79
EV/EBITDA	N/A

EPS(TTM)-1.71

EYN/A

EPS(NY)2.19

Fwd EY10.24%

FCF(TTM)1.08

FCFY5.06%

OCF(TTM)1.63

OCFY7.61%

SpS8.66

BVpS27.22

TBVpS27.22

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC29.66%

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%

MAINSTREET BANCSHARES INC (MNSB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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