MainStreet Bancshares, Inc.
NASDAQ•MNSB
執行長: Mr. Jeff W. Dick
板塊: Financial Services
行業: 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.
聯絡資訊
市值
$170.02M
本益比 (TTM)
11.0
14.1
股息率
1.8%
52周最高
$23.44
52周最低
$15.00
52周範圍
排名41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
一般 • 4 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025
財務儀表板
Q4 2025 數據
營業收入
$32.77M-8.77%
近4季度走勢
每股收益
$0.46-120.91%
近4季度走勢
自由現金流
$0.00+0.00%
近4季度走勢
2025 Q3 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$318.00M
$220.51M
$143.32M
毛利率 (最新季度)
80.5%
79.1%
76.9%
關鍵指標
股票代碼 | 市值 | 本益比 (TTM) | 股東權益報酬率 (TTM) | 負債率 |
|---|---|---|---|---|
| PEBK | $203.92M | 16.1 | 13.5% | 0.9% |
| OVBC | $203.30M | 13.0 | 9.6% | 3.5% |
| CFBK | $195.18M | 11.1 | 9.6% | 5.8% |
長期趨勢
近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
-1.1%
基本持平
4季度淨利複合增長率
18.2%
盈利能力大幅提升
現金流穩定性
75%
現金流波動較大
深度研究
下次財報:2026年4月20日
每股收益:$0.45
|營業收入:$20.30M
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