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

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Mainstreet Bancshares Inc (MNSB) financial statements, including the 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 Profile 19/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Mainstreet Bancshares Inc's revenue declined 1.6% year-over-year, from $137.9M to $135.6M. This contraction results in a growth score of 38/100.

Leverage

Mainstreet Bancshares Inc has elevated debt relative to equity (D/E of 9.12), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Mainstreet Bancshares Inc has a free cash flow margin of 7.8%, earning a moderate score of 55/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Mainstreet Bancshares Inc generates a 7.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 20/100. This is up from -5.8% the prior year.

Piotroski F-Score Neutral

5/9

Mainstreet Bancshares Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 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.

EBITDA

N/A

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.

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.

Cash & Debt

N/A

Dividends Per Share

$0.40

YoY+0.0%

Mainstreet Bancshares Inc paid $0.40 per share in dividends in fiscal year 2025. This represents an increase of 0.0% 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.

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.

Operating Margin

N/A

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.

Capital Allocation

R&D Spending

N/A

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.

MNSB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$135.6M-1.6%	$137.9M+7.9%	$127.8M+44.1%	$88.7M+3555.4%	$2.4M-96.1%	$62.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	$73.6M+11.8%	$65.8M-17.8%	$80.1M+6.3%	$75.3M	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$996K+7.2%	$929K+0.8%	$922K+5.7%	$872K+27.3%	$685K+1.6%	$674K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$62.0M-13.9%	$72.0M+49.5%	$48.2M+248.2%	$13.8M+29.8%	$10.7M-33.7%	$16.1M
Income Tax	$3.5M+188.6%	-$3.9M-162.9%	$6.2M-7.1%	$6.7M+16.1%	$5.8M+50.5%	$3.8M
Net Income	$15.6M+228.7%	-$12.1M-149.7%	$24.4M-8.4%	$26.7M+20.3%	$22.2M+41.1%	$15.7M
EPS (Diluted)	$1.76+210.0%	$-1.60-149.2%	$3.25-0.3%	$3.26+23.0%	$2.65+43.2%	$1.85

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$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+0.8%	$34.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	$18.0M-1.0%	$18.2M-8.2%	$19.9M+13.8%	$17.4M+3.6%	$16.8M+3.8%	$16.2M-0.6%	$16.3M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$241K+1.3%	$238K-8.1%	$259K-4.1%	$270K+17.9%	$229K-5.8%	$243K+13.0%	$215K-6.1%	$229K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+2.1%	$17.9M
Income Tax	$1.3M+50.5%	$836K-6.7%	$896K-15.8%	$1.1M+56.0%	$682K+114.1%	-$4.8M-2771.4%	-$168K-170.6%	$238K
Net Income	$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-89.9%	$2.6M
EPS (Diluted)	$0.48	N/A	$0.52-1.9%	$0.53+112.0%	$0.25	N/A	$-0.04-114.8%	$0.27

MNSB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.2B-0.7%	$2.2B+9.5%	$2.0B+8.4%	$1.9B+14.0%	$1.6B+0.3%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	$93.2M-13.3%	$107.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.0B-1.3%	$2.0B+11.4%	$1.8B+5.0%	$1.7B+18.4%	$1.5B-1.1%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$218.6M+5.1%	$208.0M-6.1%	$221.5M+11.7%	$198.3M+5.0%	$188.8M+12.6%	$167.7M
Retained Earnings	$101.6M+11.4%	$91.2M-14.5%	$106.5M+22.7%	$86.8M+35.3%	$64.2M+45.3%	$44.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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+6.2%	$2.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$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+6.9%	$1.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$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+0.6%	$224.7M
Retained Earnings	$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-0.9%	$109.7M

MNSB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$14.8M+0.5%	$14.7M-53.4%	$31.6M-5.7%	$33.5M+15.2%	$29.1M+71.2%	$17.0M
Capital Expenditures	$4.2M+359.2%	$909K+82.9%	$497K-55.8%	$1.1M-37.7%	$1.8M+40.9%	$1.3M
Free Cash Flow	$10.6M-23.1%	$13.8M-55.6%	$31.1M-4.0%	$32.4M+18.7%	$27.3M+73.6%	$15.7M
Investing Cash Flow	-$38.4M+68.6%	-$122.3M+6.5%	-$130.7M+42.8%	-$228.7M-278.0%	-$60.5M+80.7%	-$313.8M
Financing Cash Flow	-$21.4M-110.7%	$200.7M+141.8%	$83.0M-64.3%	$232.6M+1737.7%	-$14.2M-104.2%	$339.5M
Dividends Paid	$3.0M+0.1%	$3.0M+1.2%	$3.0M+60.0%	$1.9M	$0	N/A
Share Buybacks	$4.3M+492.3%	$732K+1602.3%	$43K-99.4%	$6.9M	$0-100.0%	$13.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$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+280.7%	$1.2M
Capital Expenditures	$101K-36.5%	$159K+15.2%	$138K-96.4%	$3.8M+6849.1%	$55K+41.0%	$39K-75.8%	$161K+57.8%	$102K
Free Cash Flow	$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+302.0%	$1.1M
Investing Cash Flow	-$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+98.5%	-$55.5M
Financing Cash Flow	$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+551.6%	$21.0M
Dividends Paid	$758K+1.1%	$750K-2.6%	$770K-0.1%	$771K+1.6%	$759K-0.1%	$760K0.0%	$760K-0.3%	$762K
Share Buybacks	$6.1M+56.3%	$3.9M	$0	$0-100.0%	$446K+3330.8%	$13K	$0-100.0%	$300K

MNSB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	54.3%+6.5pp	47.8%-14.9pp	62.7%-22.2pp	84.9%	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.5%+20.3pp	-8.8%-27.9pp	19.1%-11.0pp	30.1%-883.8pp	913.9%+888.6pp	25.3%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.12-0.6	9.71+1.5	8.19-0.5	8.71+1.0	7.73-1.1	8.80
FCF Margin	7.8%-2.2pp	10.0%-14.3pp	24.4%-12.2pp	36.6%-1089.5pp	1126.0%+1100.7pp	25.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	55.0%+0.8pp	54.3%-1.9pp	56.2%+4.7pp	51.5%+4.6pp	46.9%-0.2pp	47.1%-0.7pp	47.8%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	715.5%+703.2pp	12.4%-1.1pp	13.5%+0.5pp	13.0%+5.7pp	7.2%+58.3pp	-51.0%-51.8pp	0.8%-6.9pp	7.6%
Return on Equity	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%-1.1pp	1.2%
Return on Assets	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%-0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.34+0.2	9.12+0.4	8.73-0.2	8.91-0.7	9.60-0.1	9.71+0.9	8.84+0.5	8.32
FCF Margin	1134.7%+1115.2pp	19.6%+3.4pp	16.2%+23.7pp	-7.4%-11.6pp	4.1%-10.9pp	15.1%+2.6pp	12.5%+9.4pp	3.1%

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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 9, indicating neutral financial health. 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 19 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.