20.4 USD
-0.31 (-1.5%)
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. MNSB has a bad profitability rating. Also its financial health evaluation is rather negative. MNSB is not valued too expensively and it also shows a decent 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.
MNSB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.32%, MNSB is doing worse than 91.75% of the companies in the same industry.
MNSB's Return On Equity of -3.10% is on the low side compared to the rest of the industry. MNSB is outperformed by 92.27% of its industry peers.
| Industry Rank | Sector 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
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.
MNSB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MNSB has an improved debt to assets ratio.
2.2 Solvency
MNSB has a debt to FCF ratio of 7.78. This is a slightly negative value and a sign of low solvency as MNSB would need 7.78 years to pay back of all of its debts.
The Debt to FCF ratio of MNSB (7.78) is worse than 76.55% of its industry peers.
MNSB has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
MNSB's Debt to Equity ratio of 0.32 is on the low side compared to the rest of the industry. MNSB is outperformed by 68.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 7.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC30.49%
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.
MNSB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.24% yearly.
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 6.04% yearly.
EPS Next Y214.11%
EPS Next 2Y81.85%
EPS Next 3Y51.15%
EPS Next 5YN/A
Revenue Next Year10.81%
Revenue Next 2Y7.01%
Revenue Next 3Y6.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for MNSB. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 9.76, the valuation of MNSB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MNSB indicates a somewhat cheap valuation: MNSB is cheaper than 61.08% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.35. MNSB is valued rather cheaply when compared to this.
| 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 the industry average as 69.07% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.04 | ||
| 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 2Y81.85%
EPS Next 3Y51.15%
5. Dividend
5.1 Amount
MNSB has a Yearly Dividend Yield of 1.89%.
MNSB's Dividend Yield is slightly below the industry average, which is at 2.74.
MNSB's Dividend Yield is comparable with the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.89% |
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-77.13%
EPS Next 2Y81.85%
EPS Next 3Y51.15%
NASDAQ:MNSB (12/30/2025, 8:00:01 PM)
20.4
-0.31 (-1.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.86%
Inst Owner Change7.53%
Ins Owners8.6%
Ins Owner Change-6.5%
Market Cap153.00M
Revenue(TTM)72.38M
Net Income(TTM)-6.76M
Analysts85.71
Price Target23.72 (16.27%)
Short Float %3.39%
Short Ratio5.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.89% |
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP-77.13%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)-1.66%
Revenue NQ rev (3m)-1.66%
Revenue NY rev (1m)-1.6%
Revenue NY rev (3m)-1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.76 | ||
| P/S | 2.11 | ||
| P/FCF | 17.04 | ||
| P/OCF | 11.18 | ||
| P/B | 0.7 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.92
EYN/A
EPS(NY)2.09
Fwd EY10.25%
FCF(TTM)1.2
FCFY5.87%
OCF(TTM)1.82
OCFY8.95%
SpS9.65
BVpS29.12
TBVpS29.12
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC30.49%
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 2Y81.85%
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 Year10.81%
Revenue Next 2Y7.01%
Revenue Next 3Y6.04%
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.
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 -77.13%.