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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
10089 Fairfax Boulevard, Fairfax, VA, 22030, United States
703-481-4567
mstreetbank.com
市值
$172.07M
市盈率 (TTM)
11.3
15.5
股息率
1.7%
52周最高
$24.33
52周最低
$15.14
52周范围
89%
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

$6.42M+0.00%
近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (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%

毛利率 (最新季度)

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

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
PEBK$227.20M17.413.5%1.1%
OVBC$215.34M13.89.6%3.5%
INBK$201.27M-5.7-9.4%6.4%

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
100%
现金流表现优异

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
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