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MainStreet Bancshares, Inc.

NASDAQ•MNSB
CEO: Mr. Jeff W. Dick
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
10089 Fairfax Boulevard, Fairfax, VA, 22030, United States
703-481-4567
mstreetbank.com
時価総額
$178.55M
PER (TTM)
11.7
15.6
配当利回り
1.7%
52週高値
$24.66
52週安値
$16.46
52週レンジ
95%
順位41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$32.77M-8.77%
直近4四半期の推移

EPS

$0.46-120.91%
直近4四半期の推移

フリーCF

$6.42M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (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%

粗利益率 (最新四半期)

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

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
PEBK$230.26M17.613.5%1.1%
OVBC$219.58M14.19.6%3.5%
INBK$211.12M-6.0-9.4%6.4%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-1.1%
横ばい
4四半期純利益CAGR
18.2%
収益性の大幅な改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日
|
EPS:$0.45
|
売上高:$20.30M
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損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし