MainStreet Bancshares, Inc.
NASDAQ•MNSB
CEO: Mr. Jeff W. Dick
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
市值
$166.12M
市盈率 (TTM)
10.7
13.9
股息率
1.8%
52周最高
$23.44
52周最低
$15.00
52周范围
排名41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$32.77M-8.77%
近4季度走势
每股收益
$0.46-120.91%
近4季度走势
自由现金流
$0.00+0.00%
近4季度走势
2025 Q3 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$318.00M
$220.51M
$143.32M
毛利率 (最新季度)
80.5%
79.1%
76.9%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| OVBC | $200.69M | 12.9 | 9.6% | 3.5% |
| PEBK | $200.26M | 15.8 | 13.5% | 0.9% |
| CFBK | $191.06M | 10.8 | 9.6% | 5.8% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
-1.1%
基本持平
4季度净利润复合增长率
18.2%
盈利能力强劲提升
现金流稳定性
75%
现金流波动较大
深度研究
下次财报:2026年4月20日
每股收益:$0.45
|营业收入:$20.30M
财务数据
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利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
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