What is Mainstreet Bancshares Inc's earnings per share (EPS)?

Mainstreet Bancshares Inc (MNSB) reported diluted earnings per share of $1.76 for fiscal year 2025. This represents a 210.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Mainstreet Bancshares Inc Financials

MNSB

FY2025 annual

Revenue $135.6M -1.6% YoY

Net Income $15.6M +228.7% YoY

EPS (Diluted) $1.76 +210.0% YoY

Free Cash Flow $10.6M -23.1% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Mainstreet Bancshares Inc (MNSB) reported $135.6M in revenue for fiscal year 2025, down 1.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MNSB FY2025 2026-05-08

Profitability is swinging with funding costs inside a highly leveraged balance sheet, while cash generation stays comparatively restrained and less volatile.

Year over year, net income swung from -$12.1M to $15.6M while operating cash flow stayed essentially flat instead of rebounding with earnings. That mismatch points to lower interest expense — down to $62.0M from $72.0M — as the main repair lever, meaning accounting profit recovered faster than the business converted it into cash.

With $2.21B of assets supported by only $218.6M of equity, MainStreet is using a highly leveraged funding structure that amplifies small changes in profitability and leaves equity as a thinner shock absorber. That is why a modest 0.7% ROA still became a stronger 7.1% ROE; leverage, not unusually rich asset returns, is doing much of the lifting.

Free cash flow of $10.6M covered buybacks plus dividends of about $7.4M, but not by a wide margin after capital spending stepped up. With debt-to-equity still at 9.1x, sending out roughly 69.4% of FCF suggests capital returns are being made from a relatively thin layer of internally generated cash.

Financial Health Signals

Financial Health Score 30/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Mainstreet Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

5/7

Mainstreet Bancshares Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Mixed

0.95x

For every $1 of reported earnings, Mainstreet Bancshares Inc generates $0.95 in operating cash flow ($14.8M OCF vs $15.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$135.6M

YoY-1.6%

5Y CAGR+16.9%

Mainstreet Bancshares Inc generated $135.6M in revenue in fiscal year 2025. This represents a decrease of 1.6% from the prior year.

Net Income

$15.6M

YoY+228.7%

5Y CAGR-0.1%

Mainstreet Bancshares Inc reported $15.6M in net income in fiscal year 2025. This represents an increase of 228.7% from the prior year.

EPS (Diluted)

$1.76

YoY+210.0%

5Y CAGR-1.0%

Mainstreet Bancshares Inc earned $1.76 per diluted share (EPS) in fiscal year 2025. This represents an increase of 210.0% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$10.6M

YoY-23.1%

5Y CAGR-7.5%

Mainstreet Bancshares Inc generated $10.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 23.1% from the prior year.

Dividends Per Share

$0.40

YoY0.0%

Mainstreet Bancshares Inc paid $0.40 per share in dividends in fiscal year 2025. That is unchanged from the prior year.

Shares Outstanding

YoY-1.4%

5Y CAGR+0.1%

Mainstreet Bancshares Inc had 7M shares outstanding in fiscal year 2025. This represents a decrease of 1.4% from the prior year.

Cash & Debt

Not reported for fiscal year 2025.

Margins & Returns

Gross Margin

54.3%

YoY+6.5pp

Mainstreet Bancshares Inc's gross margin was 54.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 6.5 percentage points from the prior year.

Net Margin

11.5%

YoY+20.3pp

5Y CAGR-13.8pp

Mainstreet Bancshares Inc's net profit margin was 11.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 20.3 percentage points from the prior year.

Return on Equity

7.1%

YoY+13.0pp

5Y CAGR-2.2pp

Mainstreet Bancshares Inc's ROE was 7.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 13.0 percentage points from the prior year.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$4.3M

YoY+492.3%

5Y CAGR-20.7%

Mainstreet Bancshares Inc spent $4.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 492.3% from the prior year.

Capital Expenditures

$4.2M

YoY+359.2%

5Y CAGR+26.6%

Mainstreet Bancshares Inc invested $4.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 359.2% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

MNSB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MNSB annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Revenue	$67.5M	$135.6M-1.6%	$137.9M+7.9%	$127.8M+44.1%	$88.7M+3555.4%	$2.4M-96.1%	$62.1M+5.5%	$58.8M+34.2%	$43.8M
Gross Profit	N/A	$73.6M+11.8%	$65.8M-17.8%	$80.1M+6.3%	$75.3M	N/A	N/A	N/A	N/A
SG&A Expenses	$945K	$996K+7.2%	$929K+0.8%	$922K+5.7%	$872K+27.3%	$685K+1.6%	$674K-7.8%	$731K+26.9%	$576K
Interest Expense	$57.7M	$62.0M-13.9%	$72.0M+49.5%	$48.2M+248.2%	$13.8M+29.8%	$10.7M-33.7%	$16.1M-16.9%	$19.4M+53.0%	$12.7M
Income Tax	$4.3M	$3.5M+188.6%	-$3.9M-162.9%	$6.2M-7.1%	$6.7M+16.1%	$5.8M+50.5%	$3.8M+14.6%	$3.4M+60.2%	$2.1M
Net Income	$17.3M	$15.6M+228.7%	-$12.1M-149.7%	$24.4M-8.4%	$26.7M+20.3%	$22.2M+41.1%	$15.7M+12.7%	$13.9M+51.5%	$9.2M
EPS (Diluted)	—	$1.76+210.0%	-$1.60-149.2%	$3.25-0.3%	$3.26+23.0%	$2.65+43.2%	$1.85+9.5%	$1.69+22.5%	$1.38

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$552K-3.7%	$573K-98.3%	$32.8M-2.4%	$33.6M-5.0%	$35.4M+4.3%	$33.9M-5.6%	$35.9M+4.2%	$34.5M
Gross Profit	N/A	N/A	$18.0M-1.0%	$18.2M-8.2%	$19.9M+13.8%	$17.4M+3.6%	$16.8M+3.8%	$16.2M
SG&A Expenses	$207K-14.1%	$241K+1.3%	$238K-8.1%	$259K-4.1%	$270K+17.9%	$229K-5.8%	$243K+13.0%	$215K
Interest Expense	$13.9M+1.0%	$13.7M-6.8%	$14.7M-4.1%	$15.4M-0.9%	$15.5M-5.8%	$16.5M-13.0%	$18.9M+3.7%	$18.2M
Income Tax	$1.4M+7.9%	$1.3M+50.5%	$836K-6.7%	$896K-15.8%	$1.1M+56.0%	$682K+114.1%	-$4.8M-2771.4%	-$168K
Net Income	$4.7M+13.9%	$4.1M+1.2%	$4.1M-10.3%	$4.5M-1.6%	$4.6M+87.1%	$2.5M+113.4%	-$18.3M-7014.7%	$265K
EPS (Diluted)	$0.58+20.8%	$0.48	N/A	$0.52-1.9%	$0.53+112.0%	$0.25	N/A	-$0.04

Not reported in any period shown, so not listed: Cost of Revenue, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

MNSB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MNSB annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Total Assets	$2.2B-0.7%	$2.2B+9.5%	$2.0B+8.4%	$1.9B+14.0%	$1.6B+0.3%	$1.6B+28.6%	$1.3B+16.1%	$1.1B
Cash & Equivalents	N/A	N/A	N/A	N/A	$93.2M-13.3%	$107.5M+65.8%	$64.8M+11.7%	$58.1M
Total Liabilities	$2.0B-1.3%	$2.0B+11.4%	$1.8B+5.0%	$1.7B+18.4%	$1.5B-1.1%	$1.5B+29.4%	$1.1B+16.4%	$979.4M
Total Equity	$218.6M+5.1%	$208.0M-6.1%	$221.5M+11.7%	$198.3M+5.0%	$188.8M+12.6%	$167.7M+22.4%	$137.0M+13.0%	$121.3M
Retained Earnings	$101.6M+11.4%	$91.2M-14.5%	$106.5M+22.7%	$86.8M+35.3%	$64.2M+45.3%	$44.2M+51.8%	$29.1M+91.6%	$15.2M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.2B+0.9%	$2.2B+0.5%	$2.2B+4.1%	$2.1B+0.5%	$2.1B-4.9%	$2.2B-0.2%	$2.2B+0.2%	$2.2B
Total Liabilities	$2.0B+1.0%	$2.0B+0.7%	$2.0B+4.6%	$1.9B+0.3%	$1.9B-5.6%	$2.0B-0.3%	$2.0B+1.1%	$2.0B
Total Equity	$214.4M-0.3%	$215.0M-1.7%	$218.6M+0.1%	$218.4M+2.3%	$213.5M+1.8%	$209.6M+0.8%	$208.0M-8.0%	$226.1M
Retained Earnings	$107.8M+3.3%	$104.4M+2.8%	$101.6M+2.8%	$98.8M+3.4%	$95.6M+3.6%	$92.3M+1.3%	$91.2M-16.1%	$108.6M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

MNSB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MNSB annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Operating Cash Flow	$23.7M	$14.8M+0.5%	$14.7M-53.4%	$31.6M-5.7%	$33.5M+15.2%	$29.1M+71.2%	$17.0M+1.9%	$16.7M+32.6%	$12.6M
Capital Expenditures	$494K	$4.2M+359.2%	$909K+82.9%	$497K-55.8%	$1.1M-37.7%	$1.8M+40.9%	$1.3M+29.5%	$990K-28.0%	$1.4M
Free Cash Flow	$23.2M	$10.6M-23.1%	$13.8M-55.6%	$31.1M-4.0%	$32.4M+18.7%	$27.3M+73.6%	$15.7M+0.2%	$15.7M+40.0%	$11.2M
Investing Cash Flow	-$161.2M	-$38.4M+68.6%	-$122.3M+6.5%	-$130.7M+42.8%	-$228.7M-278.0%	-$60.5M+80.7%	-$313.8M-94.4%	-$161.4M+41.0%	-$273.4M
Financing Cash Flow	$113.5M	-$21.4M-110.7%	$200.7M+141.8%	$83.0M-64.3%	$232.6M+1737.7%	-$14.2M-104.2%	$339.5M+124.1%	$151.5M-46.2%	$281.4M
Dividends Paid	$3.0M	$3.0M+0.1%	$3.0M+1.2%	$3.0M+60.0%	$1.9M	$0	N/A	N/A	N/A
Share Buybacks	$15.0M	$4.3M+492.3%	$732K+1602.3%	$43K-99.4%	$6.9M	$0-100.0%	$13.8M	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$4.9M-25.1%	$6.6M+0.4%	$6.6M+17.7%	$5.6M+368.1%	$1.2M-17.7%	$1.5M-73.4%	$5.5M+22.0%	$4.5M
Capital Expenditures	$96K-5.0%	$101K-36.5%	$159K+15.2%	$138K-96.4%	$3.8M+6849.1%	$55K+41.0%	$39K-75.8%	$161K
Free Cash Flow	$4.8M-25.4%	$6.5M+1.3%	$6.4M+17.7%	$5.5M+307.4%	-$2.6M-288.3%	$1.4M-74.2%	$5.4M+25.6%	$4.3M
Investing Cash Flow	-$77.1M-792.4%	-$8.6M+84.1%	-$54.3M-156.0%	-$21.2M-151.1%	$41.5M+1049.8%	-$4.4M+89.8%	-$42.7M-5091.2%	-$822K
Financing Cash Flow	$13.3M+80.3%	$7.4M-91.1%	$83.2M+764.2%	$9.6M+108.6%	-$112.0M-5103.0%	-$2.2M-116.8%	$12.8M-90.6%	$137.0M
Dividends Paid	$712K-6.1%	$758K+1.1%	$750K-2.6%	$770K-0.1%	$771K+1.6%	$759K-0.1%	$760K0.0%	$760K
Share Buybacks	$5.0M-18.0%	$6.1M+56.3%	$3.9M	$0	$0-100.0%	$446K+3330.8%	$13K	$0

MNSB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

MNSB annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Gross Margin	54.3%+6.5pp	47.8%-14.9pp	62.7%-22.2pp	84.9%	N/A	N/A	N/A	N/A
Net Margin	11.5%+20.3pp	-8.8%-27.9pp	19.1%-11.0pp	30.1%	913.9%	25.3%+1.6pp	23.7%+2.7pp	21.0%
Return on Equity	7.1%+13.0pp	-5.8%-16.9pp	11.0%-2.4pp	13.5%+1.7pp	11.7%+2.4pp	9.4%-0.8pp	10.2%+2.6pp	7.6%
Return on Assets	0.7%+1.3pp	-0.5%-1.7pp	1.2%-0.2pp	1.4%+0.1pp	1.4%+0.4pp	1.0%-0.1pp	1.1%+0.3pp	0.8%
Debt-to-Equity	9.12-0.6x	9.71+1.5x	8.19-0.5x	8.71+1.0x	7.73-1.1x	8.80+0.5x	8.32+0.2x	8.08
FCF Margin	7.8%-2.2pp	10.0%-14.3pp	24.4%-12.2pp	36.6%	1126.0%	25.4%-1.4pp	26.7%+1.1pp	25.6%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	55.0%+0.8pp	54.3%-1.9pp	56.2%+4.7pp	51.5%+4.6pp	46.9%-0.2pp	47.1%
Net Margin	845.6%	715.5%	12.4%-1.1pp	13.5%+0.5pp	13.0%+5.7pp	7.2%+58.3pp	-51.0%-51.8pp	0.8%
Return on Equity	2.2%+0.3pp	1.9%+0.1pp	1.8%-0.2pp	2.1%-0.1pp	2.1%+1.0pp	1.2%+10.0pp	-8.8%-8.9pp	0.1%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%+0.9pp	-0.8%-0.8pp	0.0%
Debt-to-Equity	9.46+0.1x	9.34+0.2x	9.12+0.4x	8.73-0.2x	8.91-0.7x	9.60-0.1x	9.71+0.9x	8.84
FCF Margin	878.4%	1134.7%	19.6%+3.4pp	16.2%+23.7pp	-7.4%-11.6pp	4.1%-10.9pp	15.1%+2.6pp	12.5%

Not reported in any period shown, so not listed: Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where Mainstreet Bancshares Inc Ranks

Frequently Asked Questions

What is Mainstreet Bancshares Inc's annual revenue?

Mainstreet Bancshares Inc (MNSB) reported $135.6M in total revenue for fiscal year 2025. This represents a -1.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Mainstreet Bancshares Inc's revenue growing?

Mainstreet Bancshares Inc (MNSB) revenue declined by 1.6% year-over-year, from $137.9M to $135.6M in fiscal year 2025.

Is Mainstreet Bancshares Inc profitable?

Yes, Mainstreet Bancshares Inc (MNSB) reported a net income of $15.6M in fiscal year 2025, with a net profit margin of 11.5%.

What is Mainstreet Bancshares Inc's gross margin?

Mainstreet Bancshares Inc (MNSB) had a gross margin of 54.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Mainstreet Bancshares Inc's net profit margin?

Mainstreet Bancshares Inc (MNSB) had a net profit margin of 11.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Mainstreet Bancshares Inc pay dividends?

Yes, Mainstreet Bancshares Inc (MNSB) paid $0.40 per share in dividends during fiscal year 2025.

What is Mainstreet Bancshares Inc's return on equity (ROE)?

Mainstreet Bancshares Inc (MNSB) has a return on equity of 7.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Mainstreet Bancshares Inc's free cash flow?

Mainstreet Bancshares Inc (MNSB) generated $10.6M in free cash flow during fiscal year 2025. This represents a -23.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Mainstreet Bancshares Inc's operating cash flow?

Mainstreet Bancshares Inc (MNSB) generated $14.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Mainstreet Bancshares Inc's total assets?

Mainstreet Bancshares Inc (MNSB) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Mainstreet Bancshares Inc's capital expenditures?

Mainstreet Bancshares Inc (MNSB) invested $4.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Mainstreet Bancshares Inc buy back shares?

Yes, Mainstreet Bancshares Inc (MNSB) spent $4.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Mainstreet Bancshares Inc have outstanding?

Mainstreet Bancshares Inc (MNSB) had 7M shares outstanding as of fiscal year 2025.

What is Mainstreet Bancshares Inc's debt-to-equity ratio?

Mainstreet Bancshares Inc (MNSB) had a debt-to-equity ratio of 9.12 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Mainstreet Bancshares Inc's return on assets (ROA)?

Mainstreet Bancshares Inc (MNSB) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Mainstreet Bancshares Inc's Piotroski F-Score?

Mainstreet Bancshares Inc (MNSB) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Mainstreet Bancshares Inc's earnings high quality?

Mainstreet Bancshares Inc (MNSB) has an earnings quality ratio of 0.95x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Mainstreet Bancshares Inc?

Mainstreet Bancshares Inc (MNSB) scores 30 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.