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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
$166.12M
P/E (TTM)
10.7
13.9
Dividend Yield
1.8%
52W High
$23.44
52W Low
$15.00
52W Range
85%
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

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Interest Income Improvement Q3 Net Interest Income rose $1.8M to $17.1M; FTE Net Interest Margin expanded 37 basis points to 3.42%.
Credit Provision Reversal Boosts Earnings Provision for credit losses reversed to a $66K net recovery for Q3, driving Net Income to $4.5M.
Strong Capital Adequacy Maintained Capital strength remains robust; Total Risk-Based Capital ratio stands strong at 16.18% as of September 30, 2025.
Asset Base Slight Contraction Total assets declined 4.6% to $2.12B sequentially; Net Loans decreased $22.3M while total deposits fell $97.0M.

Risk Factors

Rising Non-Performing Assets Total non-accrual loans increased to $23.4M, resulting in the NPL ratio rising to 1.29% from 1.18%.
Interest Rate Sensitivity Exposure Stress simulation indicates potential negative impact on Net Interest Income from sustained rate changes over one year.
Loan Portfolio Concentration Risk Significant CRE concentration exists; Construction/Land Development loans represent 102.6% of risk-based capital.
Non-Recurring Expense Factors Nine-month expenses increased due to $1.8M in severance costs related to pivoting away from BaaS services.

Outlook

NIM Sensitivity to Rates Management estimates significant potential changes to Net Interest Income based on immediate, sustained rate shifts.
Proactive Credit Risk Management Allowance remains sufficient based on current data; management maintains a proactive approach to repricing credits.
Focus on Organic Growth Strategy emphasizes organic growth, leveraging technology, and competing effectively against larger regional banks.
NMTC Allocation Anticipation Subsidiary applied for 2024 New Market Tax Credit allocation; awards expected in the fourth quarter of 2025.

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
OVBC$200.69M12.99.6%3.5%
PEBK$200.26M15.813.5%0.9%
CFBK$191.06M10.89.6%5.8%

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
75%
Volatile 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