MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) Stock Fundamental Analysis
USA - NASDAQ:MNSBP - US56064Y3080
24.5 USD
-0.14 (-0.57%)
We assign a fundamental rating of 2 out of 10 to MNSBP. MNSBP was compared to 388 industry peers in the Banks industry. MNSBP may be in some trouble as it scores bad on both profitability and health. MNSBP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MNSBP has reported negative net income.
MNSBP had a positive operating cash flow in the past year.
MNSBP had positive earnings in 4 of the past 5 years.
Each year in the past 5 years MNSBP had a positive operating cash flow.
1.2 Ratios
MNSBP has a worse Return On Assets (-0.52%) than 94.87% of its industry peers.
MNSBP has a worse Return On Equity (-5.16%) than 94.87% 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 MNSBP 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
MNSBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MNSBP has more shares outstanding
The number of shares outstanding for MNSBP has been reduced compared to 5 years ago.
The debt/assets ratio for MNSBP has been reduced compared to a year ago.
2.2 Solvency
MNSBP has a debt to FCF ratio of 11.57. This is a negative value and a sign of low solvency as MNSBP would need 11.57 years to pay back of all of its debts.
The Debt to FCF ratio of MNSBP (11.57) is worse than 79.23% of its industry peers.
A Debt/Equity ratio of 0.33 indicates that MNSBP is not too dependend on debt financing.
MNSBP has a Debt to Equity ratio of 0.33. This is in the lower half of the industry: MNSBP underperforms 71.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 11.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC27.46%
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 MNSBP have decreased strongly by -175.41% in the last year.
Looking at the last year, MNSBP shows a quite strong growth in Revenue. The Revenue has grown by 8.80% in the last year.
Measured over the past years, MNSBP shows a quite strong growth in Revenue. The Revenue has been growing by 8.24% on average per year.
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, MNSBP will show a very strong growth in Earnings Per Share. The EPS will grow by 51.15% on average per year.
Based on estimates for the next years, MNSBP will show a small growth in Revenue. The Revenue will grow by 7.66% on average per year.
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
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for MNSBP. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 10.44, which indicates a very decent valuation of MNSBP.
MNSBP's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, MNSBP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.44 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MNSBP is valued a bit more expensive than the industry average as 77.44% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MNSBP's 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 51.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y86.18%
EPS Next 3Y51.15%
5. Dividend
5.1 Amount
MNSBP has a Yearly Dividend Yield of 2.20%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.38, MNSBP is paying slightly less dividend.
MNSBP's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
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
5.3 Sustainability
The earnings of MNSBP are negative and hence is the payout ratio. MNSBP will probably not be able to sustain this dividend level.
DP-47.26%
EPS Next 2Y86.18%
EPS Next 3Y51.15%
MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP
NASDAQ:MNSBP (11/6/2025, 8:00:01 PM)
24.5
-0.14 (-0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.04%
Inst Owner ChangeN/A
Ins Owners8.33%
Ins Owner ChangeN/A
Market Cap188.90M
Revenue(TTM)72.38M
Net Income(TTM)-11.02M
Analysts85.71
Price Target31.77 (29.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP-47.26%
Div Incr Years0
Div Non Decr Years4
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)5.23%
PT rev (3m)1.1%
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 | 10.44 | ||
| P/S | 2.68 | ||
| P/FCF | 30.67 | ||
| P/OCF | 15.03 | ||
| P/B | 0.88 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.92
EYN/A
EPS(NY)2.35
Fwd EY9.58%
FCF(TTM)0.8
FCFY3.26%
OCF(TTM)1.63
OCFY6.65%
SpS9.13
BVpS27.69
TBVpS27.69
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
WACC27.46%
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 IN - MNSB 7 1/2 PERP / MNSBP FAQ
Can you provide the ChartMill fundamental rating for MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP?
ChartMill assigns a fundamental rating of 2 / 10 to MNSBP.
What is the valuation status of MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) stock?
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 2 / 10.
What is the expected EPS growth for MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) stock?
The Earnings per Share (EPS) of MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) is expected to grow by 214.11% in the next year.
How sustainable is the dividend of MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) stock?
The dividend rating of MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP (MNSBP) is 2 / 10 and the dividend payout ratio is -47.26%.