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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
$166.50M
PER (TTM)
10.8
14.6
配当利回り
1.8%
52週高値
$23.44
52週安値
$15.00
52週レンジ
85%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

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$201.59M15.913.5%0.9%
OVBC$199.42M12.89.6%3.5%
CFBK$190.28M10.89.6%5.8%

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
75%
キャッシュフローの変動が大きい

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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ニュース
損益計算書
バランスシート
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財務比率
変化率
損益計算書
直近12ヶ月
データなし