Mainstreet Bank

MNSB · NASDAQ · Financial Services / Banks - Regional

21.46USD+0.01 (+0.05%)

Price History

Full chart

Market Stats

Previous Close21.45

Open21.56

Day Range21.26 – 21.65

52-Week Range17.53 – 25.87

Volume22.52K

Market Cap176.32M

P/E (TTM)12.20

Forward P/E12.39

EPS2.03

Dividend Yield1.61%

Beta0.54

50-Day Avg24.56

200-Day Avg23.05

About

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. It offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. The company also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, it offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. The company operates in Herndon, Fairfax, McLean, Clarendon, Leesburg, Middleburg, Virginia, and Washington D.C., as well as automated teller machines. MainStreet Bancshares, Inc. was formerly known as MainStreet Bank (Fairfax, VA) and changed its name to MainStreet Bancshares, Inc. in July 2016. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Jeff W. Dick
Employees166
Headquarters10089 Fairfax Boulevard, Fairfax, VA, United States, 22030, USA
Websitehttps://mstreetbank.com

Leadership

Mr. Jeff W. DickCEO & Chairman of the Board · b. 1961
Mr. Richard Alexander VariExecutive VP & CFO · b. 1988
Mr. Thomas J. ChmelikSenior EVP, Corporate Secretary & Director · b. 1963
Mr. Abdulhamid HersiburanePresident & Director of MainStreet Bank · b. 1962

Financials

Income Statement

Currency: USD	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	577.74K	3.74M	7.41M	9.87M	10.51M	11.59M	13.88M	9.52M	13.15M	15.26M	19.25M	23.10M	29.18M	47.07M	63.67M	69.52M	70.31M	88.68M	127.76M	137.87M	135.89M
Growth (%)	-	+547.93%	+98.05%	+33.07%	+6.49%	+10.31%	+19.75%	-31.41%	+38.13%	+16.05%	+26.18%	+19.98%	+26.33%	+61.32%	+35.27%	+9.18%	+1.13%	+26.13%	+44.07%	+7.91%	-1.44%
Cost of Revenue	438.73K	1.81M	3.30M	4.74M	5.08M	5.38M	-	-	2.24M	2.66M	3.84M	3.72M	7.36M	15.79M	21.00M	19.70M	9.49M	15.77M	49.32M	78.80M	61.97M
Gross Profit	139.01K	1.94M	4.12M	5.12M	5.43M	6.21M	-	9.52M	10.91M	12.60M	15.41M	19.38M	21.82M	31.28M	42.68M	49.82M	60.82M	72.91M	78.44M	59.06M	73.92M
Gross Margin	24.06%	51.70%	55.52%	51.93%	51.67%	53.57%	-	100.00%	82.97%	82.59%	80.04%	83.91%	74.79%	66.45%	67.03%	71.66%	86.51%	82.22%	61.40%	42.84%	54.39%
Operating Expense	1.18M	1.34M	1.04M	5.62M	5.33M	6.04M	-	9.00M	9.39M	10.10M	12.35M	13.91M	15.61M	19.98M	25.38M	30.26M	32.87M	39.52M	45.62M	72.97M	54.82M
Operating Income	-1.04M	594.22K	3.08M	-496.29K	100.41K	167.08K	1.66M	515.36K	1.52M	2.50M	3.06M	5.47M	6.22M	11.30M	17.30M	19.56M	27.96M	33.39M	32.82M	-13.90M	19.09M
Operating Margin	-179.35%	15.87%	41.55%	-5.03%	0.96%	1.44%	11.95%	5.41%	11.52%	16.42%	15.91%	23.68%	21.30%	24.01%	27.18%	28.13%	39.76%	37.65%	25.69%	-10.09%	14.05%
EBITDA	104.24K	382.97K	284.88K	-179.40K	464.05K	470.01K	1.66M	85.95K	2.47M	3.51M	4.11M	6.57M	7.52M	12.97M	19.13M	21.70M	30.32M	35.97M	35.57M	-9.27M	24.03M
EBITDA Margin	18.04%	10.23%	3.84%	-1.82%	4.42%	4.06%	11.95%	0.90%	18.76%	23.01%	21.34%	28.45%	25.77%	27.56%	30.05%	31.21%	43.13%	40.56%	27.84%	-6.72%	17.68%
Net Income	-1.19M	-804.73K	46.85K	-496.29K	100.41K	519.08K	1.09M	45.16K	1.01M	1.75M	2.17M	3.88M	3.88M	9.21M	13.95M	15.72M	22.17M	26.67M	26.59M	-9.98M	15.61M
Net Income Margin	-205.96%	-21.50%	0.63%	-5.03%	0.96%	4.48%	7.85%	0.47%	7.71%	11.49%	11.27%	16.78%	13.30%	19.56%	21.91%	22.61%	31.53%	30.08%	20.81%	-7.24%	11.49%
Interest Expense	153.73K	1.40M	3.03M	4.41M	4.69M	4.62M	-	-	2.01M	2.07M	2.34M	3.07M	5.47M	12.67M	19.38M	16.09M	10.66M	13.37M	47.68M	72.04M	62.04M
Interest Expense % of Total Revenue	26.61%	37.37%	40.92%	44.75%	44.67%	39.89%	-	-	15.32%	13.57%	12.17%	13.29%	18.75%	26.91%	30.43%	23.15%	15.17%	15.08%	37.32%	52.25%	45.66%

Balance Sheet

Currency: USD	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	46.21M	82.90M	105.73M	146.06M	186.33M	236.06M	282.47M	271.49M	277.31M	344.98M	478.25M	575.71M	807.95M	1.10B	1.28B	1.64B	1.65B	1.93B	2.04B	2.23B	2.21B
Total Liabilities	35.85M	61.62M	84.24M	124.80M	164.90M	213.73M	257.89M	246.83M	252.02M	305.21M	436.13M	529.32M	739.15M	979.36M	1.14B	14.83M	29.29M	1.73B	1.81B	2.02B	1.99B
Total Equity	10.36M	21.29M	21.49M	21.27M	21.43M	22.34M	24.57M	24.66M	25.29M	39.76M	42.12M	46.40M	68.80M	121.25M	137.03M	1.63B	1.62B	198.28M	221.52M	207.99M	218.59M
Cash	974.08K	427.63K	1.32M	2.08M	11.25M	-	-	6.35M	4.27M	7.17M	7.21M	17.27M	37.49M	27.89M	53.38M	75.94M	61.83M	48.93M	53.58M	47.55M	26.45M
Total Debt	36.00K	5.74M	5.74M	14.28M	21.88M	23.25M	7.67M	4.72M	1.50M	1.90M	49.53M	54.21M	83.27M	54.78M	54.80M	15.36M	29.98M	172.88M	87.64M	73.04M	69.94M
Net Debt	-938.08K	5.31M	4.42M	12.21M	10.63M	23.25M	7.67M	-1.63M	-2.78M	-5.27M	42.32M	36.94M	31.03M	26.89M	1.43M	-61.10M	-32.53M	123.31M	34.06M	25.49M	43.48M

Cash Flow

Currency: USD	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-1.62M	-276.05K	597.90K	361.31K	842.68K	-852.24K	3.40M	-	2.82M	4.13M	3.88M	5.92M	6.73M	12.59M	16.69M	17.02M	60.39M	33.54M	31.63M	14.74M	14.81M
Investing Cash Flow	-45.45M	-33.69M	-23.46M	-40.28M	-33.49M	-41.33M	-51.45M	-	-11.78M	-65.96M	-134.67M	-87.75M	-213.50M	-273.42M	-161.41M	-313.79M	-60.52M	-228.74M	-130.75M	-122.28M	-38.38M
Financing Cash Flow	48.05M	37.52M	22.44M	40.40M	40.23M	48.75M	40.82M	-	5.78M	64.52M	130.82M	92.70M	226.19M	281.41M	151.49M	339.45M	-14.20M	232.59M	83.03M	200.73M	-21.38M
Capital Expenditure	868.99K	223.95K	263.81K	619.89K	81.48K	1.39M	4.56M	0	226.55K	2.18M	396.79K	579.21K	2.48M	1.38M	990.00K	1.28M	4.30M	7.78M	6.00M	5.79M	4.17M
Free Cash Flow	-2.49M	-500.00K	334.09K	-258.58K	761.20K	-2.24M	-1.16M	-	2.60M	1.95M	3.49M	5.34M	4.25M	11.22M	15.70M	15.73M	56.09M	25.76M	25.63M	8.95M	10.64M
Dividends Paid	-	-	-	-	-	-	-	-	-	-	-	-	635.00K	635.00K	635.00K	635.00K	2.16M	4.04M	5.17M	5.20M	5.21M
FCF to OCF	153.54%	181.13%	55.88%	-71.57%	90.33%	263.21%	-34.06%	-	91.98%	47.14%	89.78%	90.21%	63.17%	89.08%	94.07%	92.47%	92.88%	76.80%	81.02%	60.73%	71.82%
Dividend Paid to FCF	-	-	-	-	-	-	-	-	-	-	-	-	14.94%	5.66%	4.04%	4.04%	3.84%	15.67%	20.16%	58.12%	48.94%

Earnings

Report Date	May 4, 2007	Aug 10, 2007	Nov 8, 2007	Mar 31, 2008	May 15, 2008	Jul 22, 2008	May 10, 2013	Jul 25, 2013	Nov 14, 2013	May 9, 2014	Jun 30, 2014	Sep 30, 2014	Mar 31, 2015	Jun 30, 2015	Sep 30, 2015	Dec 31, 2015	Mar 31, 2016	Jul 29, 2016	Oct 13, 2016	Jan 18, 2017	Apr 25, 2017	Jul 18, 2017	Oct 30, 2017	Jan 26, 2018	Apr 23, 2018	Jul 20, 2018	Oct 26, 2018	Jan 23, 2019	Apr 23, 2019	Jul 15, 2019	Oct 16, 2019	Jan 21, 2020	Apr 14, 2020	Jul 29, 2020	Oct 20, 2020	Jan 21, 2021	Apr 21, 2021	Jul 20, 2021	Oct 19, 2021	Jan 21, 2022	Apr 19, 2022	Jul 25, 2022	Oct 17, 2022	Jan 23, 2023	Apr 17, 2023	Jul 24, 2023	Oct 23, 2023	Jan 22, 2024	Apr 22, 2024	Jul 29, 2024	Oct 28, 2024	Jan 27, 2025	Apr 21, 2025	Jul 22, 2025	Oct 27, 2025	Mar 13, 2026	Apr 20, 2026	Jul 20, 2026	Oct 26, 2026
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.29	0.33	-	0.37	0.38	0.40	0.44	0.44	0.42	0.42	0.53	0.48	0.51	0.47	0.52	0.53	0.63	0.79	0.90	0.94	0.85	0.77	0.63	0.51	0.29	0.07	0.23	0.21	0.44	0.51	0.49	0.45	0.53	0.58
EPS Actual	-0.05	-0.07	-0.05	-0.03	-0.04	0.00	0.05	0.09	0.08	0.02	0.17	0.22	0.10	0.09	0.08	0.21	0.21	0.20	0.23	0.24	0.23	0.21	0.26	0.28	0.30	0.26	0.35	0.45	0.39	0.42	0.45	0.43	0.42	-0.08	0.63	0.92	0.65	0.87	0.56	0.56	0.64	0.71	0.97	0.95	1.01	0.85	0.77	0.61	0.36	0.27	0.03	-2.20	0.24	0.53	0.50	0.46	0.55	0.58	-
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-10.34%	6.06%	-	5.41%	10.53%	12.50%	-2.27%	-4.55%	-119.05%	50.00%	73.58%	35.42%	70.59%	19.15%	7.69%	20.75%	12.70%	22.78%	5.56%	7.45%	0.00%	0.00%	-3.17%	-29.41%	-6.90%	-57.14%	-1056.52%	14.29%	20.45%	-1.96%	-6.12%	22.22%	9.43%	-
Timing	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	-	-	-	-	-	-	-	After-hours	After-hours	-	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market

Key Statistics & Ratios

Market Cap176.32M

Enterprise Value157.96M

Trailing P/E12.20

Forward P/E12.39

PEG Ratio0.00

Price / Sales2.44

Price / Book0.94

EPS2.03

Book Value27.30

Revenue (TTM)72.22M

Gross Profit (TTM)72.22M

Profit Margin24.01%

Operating Margin35.21%

Return on Equity8.10%

Return on Assets0.80%

Shares Outstanding7.12M

Shares Float5.16M

Beta0.54

Dividend Yield1.61%

Dividend Rate0.40

Payout Ratio19.14%

Analyst Ratings

Strong Buy

Based on 1 analystsTarget 27.50

Strong Buy
1

Ownership Breakdown

Institutions: 57.88%
Insiders: 16.32%
Retail / Other: 25.80%

Top Institutional Holders

AllianceBernstein L.P.
554.72K7.79%
Banc Funds Co LLC
530.94K7.46%
BlackRock Inc
347.61K4.88%
Wellington Management Company LLP
336.96K4.73%
Vanguard Capital Management, LLC
301.49K4.23%
Dimensional Fund Advisors, Inc.
205.01K2.88%
First Manhattan Co. LLC
188.11K2.64%
Geode Capital Management, LLC
147.17K2.07%
Acadian Asset Management LLC
133.98K1.88%
UBS Group AG
113.18K1.59%
Marshall Wace Asset Management Ltd
106.22K1.49%
American Century Companies Inc
101.60K1.43%
State Street Corp
100.21K1.41%
Cresset Asset Management, LLC
72.00K1.01%
Bridgeway Capital Management, LLC
63.78K0.90%

Top Fund Holders

Vanguard MStar Total Stk Mkt Idx Invest
192.05K2.70%
iShares Russell 2000 ETF
169.81K2.38%
Avantis US Small Cap Value ETF
120.03K1.69%
Fidelity Small Cap Index
67.79K0.95%
iShares Russell 2000 Value ETF
67.56K0.95%

Dividends

20264×

0.10Nov 10, 20260.10Aug 4, 20260.10May 4, 20260.10Feb 9, 2026

20254×

0.10Nov 10, 20250.10Aug 6, 20250.10May 9, 20250.10Feb 10, 2025

20244×

0.10Nov 12, 20240.10Aug 9, 20240.10May 2, 20240.10Feb 1, 2024

20234×

0.10Nov 6, 20230.10Aug 3, 20230.10May 4, 20230.10Feb 2, 2023

20224×

0.10Nov 3, 20220.05Aug 3, 20220.05May 4, 20220.05Feb 2, 2022

Stock Splits

Apr 6, 2018105:100