Mainstreet Bancshares Inc Financials

MNSBP

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Mainstreet Bancshares Inc (MNSBP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 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).

Financial Health Signals

Piotroski F-Score Weak

2/9

Mainstreet Bancshares Inc passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

-1.48x

For every $1 of reported earnings, Mainstreet Bancshares Inc generates $-1.48 in operating cash flow ($14.7M OCF vs -$10.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Revenue

$137.9M

YoY+7.9%

5Y CAGR+18.6%

Mainstreet Bancshares Inc generated $137.9M in revenue in fiscal year 2024. This represents an increase of 7.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$13.8M

YoY-55.6%

5Y CAGR-2.5%

Mainstreet Bancshares Inc generated $13.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 55.6% from the prior year.

Net Income

-$10.0M

YoY-137.5%

Mainstreet Bancshares Inc reported -$10.0M in net income in fiscal year 2024. This represents a decrease of 137.5% from the prior year.

EPS (Diluted)

$-1.60

YoY-149.2%

Mainstreet Bancshares Inc earned $-1.60 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 149.2% 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 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+1.0%

5Y CAGR-1.6%

Mainstreet Bancshares Inc had 8M shares outstanding in fiscal year 2024. This represents an increase of 1.0% from the prior year.

Gross Margin

47.8%

YoY-14.9pp

Mainstreet Bancshares Inc's gross margin was 47.8% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 14.9 percentage points from the prior year.

Operating Margin

N/A

Net Margin

-7.2%

YoY-28.1pp

5Y CAGR-31.0pp

Mainstreet Bancshares Inc's net profit margin was -7.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 28.1 percentage points from the prior year.

Return on Equity

N/A

R&D Spending

N/A

Share Buybacks

$732K

YoY+1602.3%

Mainstreet Bancshares Inc spent $732K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1602.3% from the prior year.

Capital Expenditures

$909K

YoY+82.9%

5Y CAGR-1.7%

Mainstreet Bancshares Inc invested $909K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 82.9% from the prior year.

MNSBP Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$137.9M+7.9%	$127.8M+44.1%	$88.7M+3555.4%	$2.4M-96.1%	$62.1M+5.5%	$58.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	$65.8M-17.8%	$80.1M+6.3%	$75.3M	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$929K+0.8%	$922K+5.7%	$872K+27.3%	$685K+1.6%	$674K-7.8%	$731K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$72.0M+49.5%	$48.2M+248.2%	$13.8M+29.8%	$10.7M-33.7%	$16.1M-16.9%	$19.4M
Income Tax	-$3.9M-162.9%	$6.2M-7.1%	$6.7M+16.1%	$5.8M+50.5%	$3.8M+14.6%	$3.4M
Net Income	-$10.0M-137.5%	$26.6M-0.3%	$26.7M+20.3%	$22.2M+41.1%	$15.7M+12.7%	$13.9M
EPS (Diluted)	$-1.60-149.2%	$3.25-0.3%	$3.26+23.0%	$2.65+43.2%	$1.85+9.5%	$1.69

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$33.6M-5.0%	$35.4M+4.3%	$33.9M-5.6%	$35.9M+4.2%	$34.5M+0.8%	$34.2M+2.8%	$33.3M-73.6%	$126.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	$18.2M-8.2%	$19.9M+13.8%	$17.4M+3.6%	$16.8M+3.8%	$16.2M-0.6%	$16.3M-0.6%	$16.4M	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$259K-4.1%	$270K+17.9%	$229K-5.8%	$243K+13.0%	$215K-6.1%	$229K-5.4%	$242K+10.5%	$219K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$15.4M-0.9%	$15.5M-5.8%	$16.5M-13.0%	$18.9M+3.7%	$18.2M+2.1%	$17.9M+5.1%	$17.0M+5.8%	$16.1M
Income Tax	$896K-15.8%	$1.1M+56.0%	$682K+114.1%	-$4.8M-2771.4%	-$168K-170.6%	$238K-71.3%	$830K-26.0%	$1.1M
Net Income	$4.5M-1.6%	$4.6M+87.1%	$2.5M+115.2%	-$16.2M-6201.1%	$265K-89.9%	$2.6M-20.8%	$3.3M-35.8%	$5.1M
EPS (Diluted)	$0.52-1.9%	$0.53+112.0%	$0.25+111.4%	$-2.19-5375.0%	$-0.04-114.8%	$0.27-25.0%	$0.36-41.9%	$0.62

MNSBP Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$2.2B+9.5%	$2.0B+8.4%	$1.9B+14.0%	$1.6B+0.3%	$1.6B+28.6%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	$93.2M-13.3%	$107.5M+65.8%	$64.8M
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+11.4%	$1.8B+5.0%	$1.7B+18.4%	$1.5B-1.1%	$1.5B+29.4%	$1.1B
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	$208.0M-6.1%	$221.5M+11.7%	$198.3M+5.0%	$188.8M+12.6%	$167.7M+22.4%	$137.0M
Retained Earnings	$91.2M-14.5%	$106.5M+22.7%	$86.8M+35.3%	$64.2M+45.3%	$44.2M+51.8%	$29.1M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$2.1B+0.5%	$2.1B-4.9%	$2.2B-0.2%	$2.2B+0.2%	$2.2B+6.2%	$2.1B+1.1%	$2.1B+1.7%	$2.0B
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	$64.8M-10.0%	$72.0M+11.1%	$64.8M+8.4%	$59.8M	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	$1.9B+0.3%	$1.9B-5.6%	$2.0B-0.3%	$2.0B+1.1%	$2.0B+6.9%	$1.9B+1.2%	$1.8B+1.8%	$1.8B
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	$218.4M+2.3%	$213.5M+1.8%	$209.6M+0.8%	$208.0M-8.0%	$226.1M+0.6%	$224.7M+0.7%	$223.1M+0.7%	$221.5M
Retained Earnings	$98.8M+3.4%	$95.6M+3.6%	$92.3M+1.3%	$91.2M-16.1%	$108.6M-0.9%	$109.7M+1.2%	$108.3M+1.7%	$106.5M

MNSBP Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$14.7M-53.4%	$31.6M-5.7%	$33.5M+15.2%	$29.1M+71.2%	$17.0M+1.9%	$16.7M
Capital Expenditures	$909K+82.9%	$497K-55.8%	$1.1M-37.7%	$1.8M+40.9%	$1.3M+29.5%	$990K
Free Cash Flow	$13.8M-55.6%	$31.1M-4.0%	$32.4M+18.7%	$27.3M+73.6%	$15.7M+0.2%	$15.7M
Investing Cash Flow	-$122.3M+6.5%	-$130.7M+42.8%	-$228.7M-278.0%	-$60.5M+80.7%	-$313.8M-94.4%	-$161.4M
Financing Cash Flow	$200.7M+141.8%	$83.0M-64.3%	$232.6M+1737.7%	-$14.2M-104.2%	$339.5M+124.1%	$151.5M
Dividends Paid	$3.0M+1.2%	$3.0M+60.0%	$1.9M	$0	N/A	N/A
Share Buybacks	$732K+1602.3%	$43K-99.4%	$6.9M	$0-100.0%	$13.8M	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$5.6M+368.1%	$1.2M-17.7%	$1.5M-73.4%	$5.5M+22.0%	$4.5M+280.7%	$1.2M-67.8%	$3.6M-31.6%	$5.3M
Capital Expenditures	$138K-96.4%	$3.8M+6849.1%	$55K+41.0%	$39K-75.8%	$161K+57.8%	$102K-83.2%	$607K+8571.4%	$7K
Free Cash Flow	$5.5M+307.4%	-$2.6M-288.3%	$1.4M-74.2%	$5.4M+25.6%	$4.3M+302.0%	$1.1M-64.7%	$3.0M-42.9%	$5.3M
Investing Cash Flow	-$21.2M-151.1%	$41.5M+1049.8%	-$4.4M+89.8%	-$42.7M-5091.2%	-$822K+98.5%	-$55.5M-138.1%	-$23.3M+18.6%	-$28.6M
Financing Cash Flow	$9.6M+108.6%	-$112.0M-5103.0%	-$2.2M-116.8%	$12.8M-90.6%	$137.0M+551.6%	$21.0M-29.6%	$29.9M+79.5%	$16.6M
Dividends Paid	$770K-0.1%	$771K+1.6%	$759K-0.1%	$760K0.0%	$760K-0.3%	$762K-0.3%	$764K+1.5%	$753K
Share Buybacks	$0	$0-100.0%	$446K+3330.8%	$13K	$0-100.0%	$300K-28.4%	$419K	$0

MNSBP Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	47.8%-14.9pp	62.7%-22.2pp	84.9%	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-7.2%-28.1pp	20.8%-9.3pp	30.1%-883.8pp	913.9%+888.6pp	25.3%+1.6pp	23.7%
Return on Equity	N/A	12.0%-1.5pp	13.5%+1.7pp	11.7%+2.4pp	9.4%-0.8pp	10.2%
Return on Assets	-0.4%-1.8pp	1.3%-0.1pp	1.4%+0.1pp	1.4%+0.4pp	1.0%-0.1pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.71+1.5	8.19-0.5	8.71+1.0	7.73-1.1	8.80+0.5	8.32
FCF Margin	10.0%-14.3pp	24.4%-12.2pp	36.6%-1089.5pp	1126.0%+1100.7pp	25.4%-1.4pp	26.7%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	54.3%-1.9pp	56.2%+4.7pp	51.5%+4.6pp	46.9%-0.2pp	47.1%-0.7pp	47.8%-1.6pp	49.4%	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	13.5%+0.5pp	13.0%+5.7pp	7.2%+52.2pp	-45.0%-45.8pp	0.8%-6.9pp	7.6%-2.3pp	9.9%+5.9pp	4.1%
Return on Equity	2.1%-0.1pp	2.1%+1.0pp	1.2%-1.4pp	2.6%+2.5pp	0.1%-1.1pp	1.2%-0.3pp	1.5%-0.8pp	2.3%
Return on Assets	0.2%-0.0pp	0.2%+0.1pp	0.1%+0.8pp	-0.7%-0.7pp	0.0%-0.1pp	0.1%-0.0pp	0.2%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.73-0.2	8.91-0.7	9.60-0.1	9.71+0.9	8.84+0.5	8.32+0.0	8.28+0.1	8.19
FCF Margin	16.2%+23.7pp	-7.4%-11.6pp	4.1%-10.9pp	15.1%+2.6pp	12.5%+9.4pp	3.1%-6.0pp	9.1%+4.9pp	4.2%

Similar Companies

Huntington Bancshares Inc HBANL

Bridgewater Banc BWBBP

Huntingtn Bncshr HBANM

Huntington Bancs HBANP

Bank Ozk Little OZKAP

Frequently Asked Questions

What is Mainstreet Bancshares Inc's annual revenue?

Mainstreet Bancshares Inc (MNSBP) reported $137.9M in total revenue for fiscal year 2024. This represents a 7.9% 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 (MNSBP) revenue grew by 7.9% year-over-year, from $127.8M to $137.9M in fiscal year 2024.

Is Mainstreet Bancshares Inc profitable?

No, Mainstreet Bancshares Inc (MNSBP) reported a net income of -$10.0M in fiscal year 2024, with a net profit margin of -7.2%.

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

Mainstreet Bancshares Inc (MNSBP) reported diluted earnings per share of $-1.60 for fiscal year 2024. This represents a -149.2% 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.

What is Mainstreet Bancshares Inc's gross margin?

Mainstreet Bancshares Inc (MNSBP) had a gross margin of 47.8% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.

What is Mainstreet Bancshares Inc's net profit margin?

Mainstreet Bancshares Inc (MNSBP) had a net profit margin of -7.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Mainstreet Bancshares Inc pay dividends?

Yes, Mainstreet Bancshares Inc (MNSBP) paid $0.40 per share in dividends during fiscal year 2024.

What is Mainstreet Bancshares Inc's free cash flow?

Mainstreet Bancshares Inc (MNSBP) generated $13.8M in free cash flow during fiscal year 2024. This represents a -55.6% 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 (MNSBP) generated $14.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Mainstreet Bancshares Inc's total assets?

Mainstreet Bancshares Inc (MNSBP) had $2.2B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Mainstreet Bancshares Inc's capital expenditures?

Mainstreet Bancshares Inc (MNSBP) invested $909K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Mainstreet Bancshares Inc buy back shares?

Yes, Mainstreet Bancshares Inc (MNSBP) spent $732K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Mainstreet Bancshares Inc have outstanding?

Mainstreet Bancshares Inc (MNSBP) had 8M shares outstanding as of fiscal year 2024.

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

Mainstreet Bancshares Inc (MNSBP) had a debt-to-equity ratio of 9.71 as of fiscal year 2024, 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 (MNSBP) had a return on assets of -0.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

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

Mainstreet Bancshares Inc (MNSBP) has a Piotroski F-Score of 2 out of 9, indicating weak 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 7–9 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 (MNSBP) has an earnings quality ratio of -1.48x, 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.