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MainStreet Bancshares, Inc.

NASDAQ•MNSB
CEO: Mr. Jeff W. Dick
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2005-09-06
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. The company 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. It 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, the company offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. It operates in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as automated teller machines. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.
Contact Information
10089 Fairfax Boulevard, Fairfax, VA, 22030, United States
703-481-4567
mstreetbank.com
Market Cap
$171.48M
P/E (TTM)
11.3
15.4
Dividend Yield
1.7%
52W High
$24.00
52W Low
$15.11
52W Range
92%
Rank41Top 44.9%
4.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$32.77M-8.77%
4-Quarter Trend

EPS

$0.46-120.91%
4-Quarter Trend

FCF

$6.42M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Profitability Rebounds Strongly Net income reached $15.61M in 2025, successfully reversing the prior year net loss of ($9.98M) reported in 2024.
Net Interest Margin Rises FTE Net Interest Margin improved to 3.46% from 3.13% year-over-year, driven by lower deposit interest expense costs.
Efficiency Ratio Significantly Improved Efficiency ratio dropped sharply to 74.15% in 2025, down from 110.85% in 2024, reflecting strong cost controls.
Strong Capital Adequacy Maintained Common Equity Tier 1 ratio stood at 15.05% and Leverage Ratio at 13.28%, both exceeding board targets and regulatory minimums.

Risk Factors

Asset Quality Deterioration Noted Non-performing loan ratio increased to 1.69% (up from 1.18%); total non-accrual loans reached $31.5M at year-end.
Significant CRE Concentration Risk Substantial loan portfolio concentration exists in commercial real estate segments, increasing exposure to local market downturns.
Cybersecurity and Vendor Reliance High reliance on technology infrastructure and external third-party vendors creates operational disruption and data security risks.
Credit Loss Estimation Subjectivity Allowance for credit losses relies on subjective estimates and forecasts of future economic conditions, posing potential reserve inadequacy risk.

Outlook

Focus on Organic Growth Strategy Strategy emphasizes growing organically within the DC/Northern Virginia market, supplemented by carefully vetted acquisition opportunities.
Managing Interest Rate Sensitivity Company is liability sensitive as of 12/31/2025; ALCO actively manages interest rate risk through balance sheet positioning.
Technology Investment Continues Deploying advanced operating systems and mobile banking solutions to enhance customer experience and maintain competitive edge.
Adapting to Regulatory Changes Expect increased administrative expenses and resource diversion to comply with evolving federal and state regulatory requirements.

Peer Comparison

Revenue (TTM)

INBK stock ticker logoINBK
$318.00M
-4.6%
FGBI stock ticker logoFGBI
$220.51M
-9.9%
HNVR stock ticker logoHNVR
$143.32M
-3.4%

Gross Margin (Latest Quarter)

UBFO stock ticker logoUBFO
80.5%
+10.2pp
PEBK stock ticker logoPEBK
79.1%
+4.8pp
FCAP stock ticker logoFCAP
76.9%
+4.2pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PEBK$228.29M17.513.5%1.1%
OVBC$214.35M13.79.6%3.5%
INBK$204.06M-5.8-9.4%6.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.1%
Flat Growth
4Q Net Income CAGR
18.2%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 20, 2026
|
EPS:$0.45
|
Revenue:$20.30M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data