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

NASDAQ:MNSBP • US56064Y3080

25.1 USD
+0.05 (+0.2%)
Last: Mar 11, 2026, 04:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This MNSBP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MNSBP. MNSBP was compared to 381 industry peers in the Banks industry. MNSBP may be in some trouble as it scores bad on both profitability and health. MNSBP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. MNSBP Profitability Analysis

1.1 Basic Checks

  • MNSBP had positive earnings in the past year.
  • In the past year MNSBP had a positive cash flow from operations.
  • Of the past 5 years MNSBP 4 years were profitable.
  • Of the past 5 years MNSBP 4 years had a positive operating cash flow.
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 2025 0 20M 40M 60M

1.2 Ratios

  • The Return On Assets of MNSBP (-0.32%) is worse than 92.65% of its industry peers.
  • MNSBP has a worse Return On Equity (-3.10%) than 93.18% of its industry peers.
Industry RankSector Rank
ROA -0.32%
ROE -3.1%
ROIC N/A
ROA(3y)0.42%
ROA(5y)0.75%
ROE(3y)3.78%
ROE(5y)6.86%
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 2025 0 5 -5 10

1.3 Margins

  • In the last couple of years the Profit Margin of MNSBP has declined.
  • 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 3Y-17.66%
PM growth 5Y-8.31%
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 2025 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. MNSBP Health Analysis

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 less shares outstanding
  • MNSBP has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MNSBP has an improved debt to assets ratio.
MNSBP Yearly Shares OutstandingMNSBP Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 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.
  • With a Debt to FCF ratio value of 7.78, MNSBP is not doing good in the industry: 76.12% of the companies in the same industry are doing better.
  • MNSBP has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.32, MNSBP is doing worse than 67.98% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 7.78
Altman-Z N/A
ROIC/WACCN/A
WACC27.54%
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 2025 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

5

3. MNSBP Growth Analysis

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.
  • MNSBP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.32%.
  • Measured over the past years, MNSBP shows a small growth in Revenue. The Revenue has been growing by 6.61% on average per year.
EPS 1Y (TTM)208.75%
EPS 3Y-18.97%
EPS 5Y-1.64%
EPS Q2Q%120.91%
Revenue 1Y (TTM)12.32%
Revenue growth 3Y-0.57%
Revenue growth 5Y6.61%
Sales Q2Q%9.48%

3.2 Future

  • Based on estimates for the next years, MNSBP will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.37% on average per year.
  • The Revenue is expected to grow by 4.08% on average over the next years.
EPS Next Y24.28%
EPS Next 2Y17.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.4%
Revenue Next 2Y4.08%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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4

4. MNSBP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.43 indicates a correct valuation of MNSBP.
  • MNSBP's Price/Earnings ratio is a bit more expensive when compared to the industry. MNSBP is more expensive than 71.13% of the companies in the same industry.
  • MNSBP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.15.
  • Based on the Price/Forward Earnings ratio of 11.61, the valuation of MNSBP can be described as reasonable.
  • MNSBP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MNSBP is more expensive than 62.99% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.27. MNSBP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.43
Fwd PE 11.61
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

  • Based on the Price/Free Cash Flow ratio, MNSBP is valued a bit more expensive than the industry average as 75.07% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 20.97
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 17.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y17.37%
EPS Next 3YN/A

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

2

5. MNSBP Dividend Analysis

5.1 Amount

  • MNSBP has a Yearly Dividend Yield of 1.81%. Purely for dividend investing, there may be better candidates out there.
  • MNSBP's Dividend Yield is slightly below the industry average, which is at 2.86.
  • 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 1.81%

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 2026 0.5 1 1.5

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-77.13%
EPS Next 2Y17.37%
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 2025 0 20M 40M

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MNSBP Fundamentals: All Metrics, Ratios and Statistics

MAINSTREET BANCSHARES IN - MNSB 7 1/2 PERP

NASDAQ:MNSBP (3/11/2026, 4:04:31 PM)

25.1

+0.05 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners64.34%
Inst Owner ChangeN/A
Ins Owners8.57%
Ins Owner ChangeN/A
Market Cap188.25M
Revenue(TTM)73.57M
Net Income(TTM)-6.76M
Analysts82.86
Price Target29.72 (18.41%)
Short Float %0%
Short Ratio0.16
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP-77.13%
Div Incr Years0
Div Non Decr Years4
Ex-Date03-13
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)1.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.41%
EPS NY rev (3m)-7.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.66%
Revenue NY rev (1m)1.03%
Revenue NY rev (3m)-0.18%
Valuation
Industry RankSector Rank
PE 14.43
Fwd PE 11.61
P/S 2.6
P/FCF 20.97
P/OCF 13.75
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.74
EY6.93%
EPS(NY)2.16
Fwd EY8.62%
FCF(TTM)1.2
FCFY4.77%
OCF(TTM)1.82
OCFY7.27%
SpS9.65
BVpS29.12
TBVpS29.12
PEG (NY)0.59
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)0.42%
ROA(5y)0.75%
ROE(3y)3.78%
ROE(5y)6.86%
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 3Y-17.66%
PM growth 5Y-8.31%
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
WACC27.54%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y24.28%
EPS Next 2Y17.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.32%
Revenue growth 3Y-0.57%
Revenue growth 5Y6.61%
Sales Q2Q%9.48%
Revenue Next Year4.4%
Revenue Next 2Y4.08%
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 1Y9.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-6.32%
OCF growth 3YN/A
OCF growth 5YN/A

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 3 / 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 2 / 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 14.43 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 24.28% in the next year.