MNSBNasdaqState Commercial BanksFiscal year ends December 31Also trades as MNSBP
MainStreet Bancshares, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$23.57−0.38 (-1.59%)
Close on Oct 19, 2026
- Market cap
- $169.17M
- P/E (TTM)
- 11.6
- Dividend yield
- 1.70%
Margins
Share of revenue, fiscal years 2017 to 2025
Gross margin
54.3%
Net margin
11.5%−17.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -1.6% | +15.2% | +20.5% | – | |
| Gross profit | +11.8% | -0.8% | – | – | |
| Net income | – | -16.3% | -0.1% | – | |
| EPS, diluted | – | -18.6% | -1.0% | – | |
| Free cash flow | -23.1% | -31.0% | -7.5% | – | |
| Dividend per share | 0.0% | +17.0% | – | – |
Returns and balance sheet
9 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 10.3% | 7.3% | |
| Return on assets | – | 1.1% | 0.7% | |
| Capex to revenue | – | 2.4% | 3.1% | |
| Diluted shares | – | 8M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
MainStreet Bancshares generated $123.85M from operations and spent $31.53M on capital expenditure, dividends and share buybacks. 27% of that went back into the business.
Generated
$123.85M
Used
$31.53M
Capital expenditure$8.51M27%Dividends$10.99M35%Share buybacks$12.03M38%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin11.5%
×Asset turnover0.06×
×Equity multiplier10.41×
=Return on equity, FY20257.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 11.5% | 0.06× | 10.41× | 7.3% |
| FY2024 | -7.2% | 0.06× | 9.93× | -4.6% |
| FY2023 | 20.8% | 0.07× | 9.32× | 12.7% |
| FY2022 | 30.1% | 0.05× | 9.11× | 13.8% |
| FY2021 | 913.9% | 0.00× | 9.23× | 12.4% |
| FY2020 | 29.4% | 0.04× | 9.58× | 10.3% |
| FY2019 | 31.5% | 0.04× | 9.21× | 10.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 7 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$15.61M
- Cash generatingOperating cash flow above zero$14.81M
- Return on assets improvedROA up on the prior year-0.5% → 0.7%
- Earnings backed by cashOperating cash flow above net income$14.81M vs $15.61M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year47.75% → 54.25%
- More efficientAsset turnover rose0.07 → 0.06