logo
logo
MNSB stock ticker logo

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
10089 Fairfax Boulevard, Fairfax, VA, 22030, United States
703-481-4567
mstreetbank.com
市值
$171.48M
本益比 (TTM)
11.3
15.4
股息率
1.7%
52周最高
$24.00
52周最低
$15.11
52周範圍
92%
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

$6.42M+0.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

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$228.29M17.513.5%1.1%
OVBC$214.35M13.79.6%3.5%
INBK$204.06M-5.8-9.4%6.4%

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
100%
現金流表現優異

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
財務數據
電話會議
財務報告
新聞
損益表
資產負債表
現金流量表
財務比率
變化率
損益表
過去12個月
無資料