MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:MNSBP • US56064Y3080

24.9103 USD
+0.59 (+2.43%)
Last: Feb 5, 2026, 08:00 PM
Fundamental Rating

2

MNSBP gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. MNSBP may be in some trouble as it scores bad on both profitability and health. MNSBP has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • MNSBP had positive earnings in the past year.
  • MNSBP had a positive operating cash flow in the past year.
  • In multiple years MNSBP reported negative net income over the last 5 years.
  • MNSBP had a positive operating cash flow in 4 of the past 5 years.
MNSBP Yearly Net Income VS EBIT VS OCF VS FCFMNSBP 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

  • MNSBP has a Return On Assets of -0.32%. This is amonst the worse of the industry: MNSBP underperforms 91.64% of its industry peers.
  • MNSBP has a Return On Equity of -3.10%. This is amonst the worse of the industry: MNSBP underperforms 92.17% of its industry peers.
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
MNSBP Yearly ROA, ROE, ROICMNSBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • MNSBP 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
MNSBP Yearly Profit, Operating, Gross MarginsMNSBP 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

  • MNSBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for MNSBP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MNSBP Yearly Shares OutstandingMNSBP Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
MNSBP Yearly Total Debt VS Total AssetsMNSBP 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

  • MNSBP has a debt to FCF ratio of 7.78. This is a slightly negative value and a sign of low solvency as MNSBP would need 7.78 years to pay back of all of its debts.
  • MNSBP has a Debt to FCF ratio of 7.78. This is in the lower half of the industry: MNSBP underperforms 76.24% of its industry peers.
  • MNSBP has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • MNSBP has a Debt to Equity ratio of 0.32. This is in the lower half of the industry: MNSBP underperforms 68.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 7.78
Altman-Z N/A
ROIC/WACCN/A
WACC27.74%
MNSBP Yearly LT Debt VS Equity VS FCFMNSBP 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
MNSBP Yearly Current Assets VS Current LiabilitesMNSBP 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, MNSBP 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

  • The Earnings Per Share is expected to grow by 15.61% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.73% on average over the next years.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
MNSBP Yearly Revenue VS EstimatesMNSBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
MNSBP Yearly EPS VS EstimatesMNSBP 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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • MNSBP is valuated correctly with a Price/Earnings ratio of 14.32.
  • MNSBP's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, MNSBP is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 11.91, which indicates a very decent valuation of MNSBP.
  • MNSBP's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of MNSBP to the average of the S&P500 Index (27.20), we can say MNSBP is valued rather cheaply.
Industry RankSector Rank
PE 14.32
Fwd PE 11.91
MNSBP Price Earnings VS Forward Price EarningsMNSBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • MNSBP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MNSBP is more expensive than 70.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.81
EV/EBITDA N/A
MNSBP Per share dataMNSBP 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.
  • MNSBP's earnings are expected to grow with 15.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)N/A
EPS Next 2Y15.61%
EPS Next 3YN/A

More info and screens

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

2

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.79%, MNSBP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.71, MNSBP is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, MNSBP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.79%

5.2 History

  • MNSBP has been paying a dividend for over 5 years, so it has already some track record.
  • MNSBP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years4
MNSBP Yearly Dividends per shareMNSBP Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • MNSBP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-77.13%
EPS Next 2Y15.61%
EPS Next 3YN/A
MNSBP Yearly Income VS Free CF VS DividendMNSBP 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 IN - MNSB 7 1/2 PERP

NASDAQ:MNSBP (2/5/2026, 8:00:07 PM)

24.9103

+0.59 (+2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners61.92%
Inst Owner ChangeN/A
Ins Owners7.99%
Ins Owner ChangeN/A
Market Cap186.83M
Revenue(TTM)N/A
Net Income(TTM)-6.76M
Analysts85.71
Price Target29.72 (19.31%)
Short Float %0.01%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP-77.13%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)8.66%
PT rev (3m)-6.46%
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 14.32
Fwd PE 11.91
P/S 2.58
P/FCF 20.81
P/OCF 13.65
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.74
EY6.99%
EPS(NY)2.09
Fwd EY8.39%
FCF(TTM)1.2
FCFY4.8%
OCF(TTM)1.82
OCFY7.33%
SpS9.65
BVpS29.12
TBVpS29.12
PEG (NY)0.71
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
WACC27.74%
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 IN - MNSB 7 1/2 PERP / MNSBP FAQ

What is the ChartMill fundamental rating of MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) stock?

ChartMill assigns a fundamental rating of 2 / 10 to MNSBP.


Can you provide the valuation status for MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP?

ChartMill assigns a valuation rating of 4 / 10 to MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP). This can be considered as Fairly Valued.


Can you provide the profitability details for MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP?

MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) has a profitability rating of 1 / 10.


Can you provide the PE and PB ratios for MNSBP stock?

The Price/Earnings (PE) ratio for MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) is 14.32 and the Price/Book (PB) ratio is 0.86.


What is the earnings growth outlook for MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP?

The Earnings per Share (EPS) of MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) is expected to grow by 20.17% in the next year.