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. (MNSB) Financials

MNSB

Trailing 12 months to June 30, 2026

Revenue $103.4M -26.0% YoY

Net Income $17.3M +257.4% YoY

EPS (Diluted) $2.05 +240.4% YoY

Free Cash Flow $23.2M +173.5% YoY

Market Cap $177.6M as of Oct 5, 2026

Price / Sales 1.7x on $103.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.2x on $17.3M net income, trailing 12 months to June 30, 2026

Price / Book 0.8x on $214.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MNSB SEC filings page.

MainStreet Bancshares, Inc. (MNSB) reported $103.4M in revenue over the twelve months to Jun 30, 2026, down 26.0% from the prior twelve months. 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 2026-10-04

The bank restored profitability in FY2025, but rising leverage and weak cash conversion still make earnings less productive than before.

Net income returned to $15.6M in FY2025 from a $12.1M loss. Operating cash flow was virtually unchanged between FY2024 and FY2025, while ROA recovered only to 0.7%; the rebound therefore did not restore asset productivity.

The balance sheet carried $2.2B of assets against FY2025 revenue of $135.6M, so asset productivity matters more here than conventional sales-margin analysis. Debt-to-equity remained elevated at 9.1x, only modestly below 9.7x in FY2024; equity therefore represented a relatively thin funding cushion.

Free cash flow declined to $10.6M from $13.8M, so the return to profit did not produce more cash. Net profit margin recovered to 11.5% from -8.8%, while ROE reached 7.1% versus -5.8%; this marks recovery from a loss rather than a return to earlier capital returns.

Financial Health Signals

Financial Health Score 48/100

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

MainStreet Bancshares, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.5% the prior year. Earnings ranks banks on that return over three years, and MainStreet Bancshares, Inc. scores 24/100 among other banks.

Growth

MainStreet Bancshares, Inc. reported revenue of $135.6M in fiscal year 2025, against $137.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and MainStreet Bancshares, Inc. scores 28/100 among other banks.

Capital

MainStreet Bancshares, Inc. funded 9.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $218.6M of equity against $2.2B of assets. Capital ranks banks on that cushion, and MainStreet Bancshares, Inc. scores 27/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. MainStreet Bancshares, Inc. scores 93/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. MainStreet Bancshares, Inc. scores 97/100 on it among other banks.

Stability

MainStreet Bancshares, Inc. reported net income of $15.6M in fiscal year 2025, against a loss of $12.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and MainStreet Bancshares, Inc. scores 21/100 among other banks.

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

Export CSV

Earnings & Revenue

Revenue

$19.1M

YoY-45.9%

QoQ+6.8%

5Y CAGR+5.6%

MainStreet Bancshares, Inc. generated $19.1M in revenue in Q2 2026. This represents a decrease of 45.9% from the same quarter a year earlier. Against the prior quarter it is up 6.8%.

Net Income

$4.7M

YoY+1.7%

QoQ+13.9%

5Y CAGR-8.1%

MainStreet Bancshares, Inc. reported $4.7M in net income in Q2 2026. This represents an increase of 1.7% from the same quarter a year earlier. Against the prior quarter it is up 13.9%.

EPS (Diluted)

$0.58

YoY+9.4%

QoQ+20.8%

5Y CAGR-7.8%

MainStreet Bancshares, Inc. earned $0.58 per diluted share (EPS) in Q2 2026. This represents an increase of 9.4% from the same quarter a year earlier. Against the prior quarter it is up 20.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$4.8M

YoY+284.5%

QoQ-25.4%

5Y CAGR0.0%

MainStreet Bancshares, Inc. generated $4.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 284.5% from the same quarter a year earlier. Against the prior quarter it is down 25.4%.

Dividends Per Share

$0.10

YoY0.0%

QoQ0.0%

MainStreet Bancshares, Inc. paid $0.10 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-7.6%

QoQ+0.1%

5Y CAGR-1.2%

MainStreet Bancshares, Inc. had 7M shares outstanding in Q2 2026. This represents a decrease of 7.6% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Cash & Debt

Not reported for Q2 2026.

Margins & Returns

Net Margin

24.4%

YoY+11.4pp

QoQ+1.5pp

5Y change-24.6pp

MainStreet Bancshares, Inc.'s net profit margin was 24.4% in Q2 2026, showing the share of revenue converted to profit. This is up 11.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.5 percentage points.

Return on Equity

2.2%

YoY0.0pp

QoQ+0.3pp

5Y change-1.8pp

MainStreet Bancshares, Inc.'s ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$5.0M

QoQ-18.0%

MainStreet Bancshares, Inc. spent $5.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 18.0%.

Capital Expenditures

$96K

YoY-97.5%

QoQ-5.0%

5Y CAGR-17.0%

MainStreet Bancshares, Inc. invested $96K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 97.5% from the same quarter a year earlier. Against the prior quarter it is down 5.0%.

R&D Spending

Not reported for Q2 2026.

MNSB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MNSB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Revenue	$103.4M	$135.6M-1.6%	$137.9M+7.9%	$127.8M+44.1%	$88.7M+48.7%	$59.6M+11.6%	$53.4M+20.6%	$44.3M+28.7%	$34.4M
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 (Basic)	N/A	$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
EPS (Diluted)	$2.05	$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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$19.1M-45.9%	$17.9M-47.2%	$32.8M-8.8%	$33.6M-2.6%	$35.4M+3.4%	$33.9M+1.9%	$35.9M-45.5%	$34.5M+75.3%
Gross Profit	N/A	N/A	$18.0M+7.1%	$18.2M+12.3%	$19.9M+21.6%	$17.4M+6.3%	$16.8M	$16.2M
SG&A Expenses	$207K-23.3%	$241K+5.2%	$238K-2.1%	$259K+20.5%	$270K+17.9%	$229K-5.4%	$243K+11.0%	$215K-22.4%
Interest Expense	$13.9M-10.6%	$13.7M-16.6%	$14.7M-22.1%	$15.4M-15.8%	$15.5M-13.3%	$16.5M-3.2%	$18.9M+17.7%	$18.2M+39.1%
Income Tax	$1.4M+27.5%	$1.3M+84.5%	$836K+117.3%	$896K+633.3%	$1.1M+347.1%	$682K-17.8%	-$4.8M-530.3%	-$168K-111.1%
Net Income	$4.7M+1.7%	$4.1M+67.1%	$4.1M+122.1%	$4.5M+1604.5%	$4.6M+75.3%	$2.5M-25.8%	-$18.3M-712.6%	$265K-95.8%
EPS (Basic)	$0.58+9.4%	$0.48+92.0%	$0.47+121.4%	$0.52+1400.0%	$0.53+96.3%	$0.25-30.6%	-$2.20-460.7%	-$0.04-105.2%
EPS (Diluted)	$0.58+9.4%	$0.48+92.0%	$0.47+121.4%	$0.52+1400.0%	$0.53+96.3%	$0.25-30.6%	-$2.20	-$0.04-105.2%

Not reported in any period shown, so not listed: Cost of Revenue, R&D Expenses, Operating Income, EBITDA, Diluted Shares (Avg).

MNSB Balance Sheet

MNSB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
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
Short-Term Investments	N/A	N/A	N/A	N/A	$0	$0	$0	$0
Long-Term Investments	N/A	N/A	N/A	N/A	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.2B+6.1%	$2.2B0.0%	$2.2B-0.7%	$2.1B-4.5%	$2.1B+1.0%	$2.2B+7.4%	$2.2B+9.5%	$2.2B+10.0%
Total Liabilities	$2.0B+6.7%	$2.0B-0.2%	$2.0B-1.3%	$1.9B-4.6%	$1.9B+1.7%	$2.0B+9.0%	$2.0B+11.4%	$2.0B+10.6%
Total Equity	$214.4M+0.5%	$215.0M+2.6%	$218.6M+5.1%	$218.4M-3.4%	$213.5M-5.0%	$209.6M-6.1%	$208.0M-6.1%	$226.1M+5.8%
Retained Earnings	$107.8M+12.8%	$104.4M+13.1%	$101.6M+11.4%	$98.8M-9.0%	$95.6M-12.8%	$92.3M-14.8%	$91.2M-14.5%	$108.6M+5.8%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

MNSB Cash Flow Statement

MNSB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
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
Depreciation & Amortization	N/A	$1.1M-26.7%	$1.5M+15.4%	$1.3M0.0%	$1.3M+8.3%	$1.2M+9.1%	$1.1M+10.0%	$1.0M+2.3%	$978K
Stock-Based Compensation	N/A	$2.6M-8.9%	$2.8M+13.9%	$2.5M-1.1%	$2.5M+33.4%	$1.9M+23.5%	$1.5M+46.6%	$1.0M+18.1%	$883K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$4.9M+314.2%	$6.6M+355.1%	$6.6M+20.6%	$5.6M+25.0%	$1.2M+1.7%	$1.5M-60.2%	$5.5M+2.4%	$4.5M-53.6%
Depreciation & Amortization	$1.2M+12.9%	$959K-12.0%	-$2.2M-112.9%	$1.1M+22.6%	$1.1M+25.1%	$1.1M+45.3%	-$1.0M-168.5%	$900K+64.5%
Stock-Based Compensation	N/A	$599K+3.5%	N/A	N/A	N/A	$579K-16.1%	N/A	N/A
Capital Expenditures	$96K-97.5%	$101K+83.6%	$159K+307.7%	$138K-14.3%	$3.8M+3647.1%	$55K-90.9%	$39K+457.1%	$161K+3.9%
Free Cash Flow	$4.8M+284.5%	$6.5M+365.8%	$6.4M+18.5%	$5.5M+26.5%	-$2.6M-345.1%	$1.4M-54.0%	$5.4M+1.8%	$4.3M-54.5%
Investing Cash Flow	-$77.1M-286.0%	-$8.6M-97.9%	-$54.3M-27.2%	-$21.2M-2479.4%	$41.5M+174.7%	-$4.4M+81.3%	-$42.7M-49.0%	-$822K+98.2%
Financing Cash Flow	$13.3M+111.9%	$7.4M+443.6%	$83.2M+549.1%	$9.6M-93.0%	-$112.0M-632.7%	-$2.2M-107.2%	$12.8M-23.0%	$137.0M+134.1%
Dividends Paid	$712K-7.7%	$758K-0.1%	$750K-1.3%	$770K+1.3%	$771K+1.2%	$759K-0.7%	$760K+0.9%	$760K+0.9%
Share Buybacks	$5.0M	$6.1M+1263.2%	$3.9M+29823.1%	$0	$0-100.0%	$446K+6.4%	$13K	$0

MNSB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MNSB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
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%-7.1pp	37.2%+7.7pp	29.4%-2.1pp	31.5%+4.7pp	26.8%
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
Asset Turnover	0.060.0x	0.060.0x	0.060.0x	0.050.0x	0.040.0x	0.030.0x	0.030.0x	0.03
FCF Margin	7.8%-2.2pp	10.0%-14.3pp	24.4%-12.2pp	36.6%-9.2pp	45.8%+16.4pp	29.4%-6.0pp	35.4%+2.8pp	32.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	N/A	N/A	55.0%+8.2pp	54.3%+7.2pp	56.2%+8.4pp	51.5%+2.1pp	46.9%	47.1%
Net Margin	24.4%+11.4pp	22.9%+15.7pp	12.4%+63.4pp	13.5%+12.7pp	13.0%+5.3pp	7.2%-2.7pp	-51.0%-55.5pp	0.8%-31.5pp
Return on Equity	2.2%0.0pp	1.9%+0.7pp	1.8%+10.7pp	2.1%+1.9pp	2.1%+1.0pp	1.2%-0.3pp	-8.8%-10.2pp	0.1%-2.9pp
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.2%+1.0pp	0.2%+0.2pp	0.2%+0.1pp	0.1%-0.1pp	-0.8%-1.0pp	0.0%-0.3pp
Debt-to-Equity	9.46+0.6x	9.34-0.3x	9.12-0.6x	8.73-0.1x	8.91+0.6x	9.60+1.3x	9.71+1.5x	8.84+0.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	25.4%+32.8pp	36.3%+32.2pp	19.6%+4.5pp	16.2%+3.7pp	-7.4%-10.6pp	4.1%-5.0pp	15.1%+7.0pp	12.5%-35.7pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
MainStreet Bancshares, Inc. MNSB	FY2025	$135.6M	$15.6M	11.5%	$177.6M	48/100
Meridian Corporation MRBK	FY2025	$126.9M	$21.8M	17.2%	$226.3M	33/100
United Security Bancshares UBFO	FY2025	$53.9M	$12.3M	22.8%	$185.0M	48/100
BCB Bancorp Inc (NJ) BCBP	FY2025	$101.6M	-$12.5M	-12.3%	$261.4M	19/100
Ohio Valley Banc Corp OVBC	FY2025	$66.7M	$15.6M	23.4%	$210.2M	42/100
BV Financial, Inc. BVFL	FY2025	$39.6M	$13.5M	34.1%	$179.8M	66/100

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 P/E ratio?

MainStreet Bancshares, Inc. (MNSB) trades at 10.2x earnings, its market capitalization divided by net income of $17.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $177.6M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is MainStreet Bancshares, Inc.'s price-to-sales ratio?

MainStreet Bancshares, Inc. (MNSB) trades at 1.7x sales, its market capitalization divided by revenue of $103.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $177.6M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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 48 out of 100 on our Financial Health Score, indicating moderate 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.