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MainStreet Bancshares, Inc. MNSBP

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Price alert · MNSBP

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22.99 USD +0.38 (+1.68%)

At closeNov 6, 2026, 4:00 PM EST

23.44 +0.45 +1.96%

After hours · Nov 6, 4:00 PM ET

22.57 Day range 23.28
22.61 52-week range 26.62
YTD
-7.11%
1 year
-6.16%

Financial health

Altman Z-Score

0.25 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B-2 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 4

Valuation

P/E 11.6×
FY 2016: 15.5×FY 2017: 20.6×FY 2018: 12.4×FY 2019: 13.6×FY 2020: 9.1×FY 2021: 9.3×FY 2022: 8.4×FY 2023: 7.6×FY 2024: -11.3×FY 2025: 11.6×
FY 2016 5y median 8.4× FY 2025
P/S 1.1×
FY 2016: 2.6×FY 2017: 2.7×FY 2018: 2.4×FY 2019: 3.0×FY 2020: 2.0×FY 2021: 2.6×FY 2022: 2.3×FY 2023: 1.5×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.5× FY 2025
P/B 0.7×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 1.4×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/FCF 14.6×
FY 2016: 11.3×FY 2017: 18.8×FY 2018: 10.1×FY 2019: 12.1×FY 2020: 8.7×FY 2021: 7.5×FY 2022: 8.0×FY 2023: 7.3×FY 2024: 15.4×FY 2025: 14.6×
FY 2016 5y median 8.0× FY 2025
EV/EBITDA 8.3×
FY 2016: 14.8×FY 2017: 14.7×FY 2018: 10.8×FY 2019: 10.0×FY 2020: 3.5×FY 2021: 5.1×FY 2022: 9.2×FY 2023: 6.2×FY 2024: -17.6×FY 2025: 8.3×
FY 2016 5y median 6.2× FY 2025
EV/Sales 1.5×
FY 2016: 4.2×FY 2017: 3.8×FY 2018: 3.0×FY 2019: 3.0×FY 2020: 1.1×FY 2021: 2.2×FY 2022: 3.7×FY 2023: 1.7×FY 2024: 1.2×FY 2025: 1.5×
FY 2016 5y median 1.7× FY 2025
FCF Yield 6.8%
FY 2016: 8.8%FY 2017: 5.3%FY 2018: 9.9%FY 2019: 8.3%FY 2020: 11.4%FY 2021: 13.4%FY 2022: 12.4%FY 2023: 13.7%FY 2024: 6.5%FY 2025: 6.8%
FY 2016 5y median 12.4% FY 2025

Profitability

Gross Margin 54.4%
FY 2016: 83.9%FY 2017: 74.8%FY 2018: 66.5%FY 2019: 67.0%FY 2020: 71.7%FY 2021: 86.5%FY 2022: 82.2%FY 2023: 61.4%FY 2024: 42.8%FY 2025: 54.4%
FY 2016 5y median 61.4% FY 2025
Operating Margin 14.0%
FY 2016: 23.7%FY 2017: 21.3%FY 2018: 24.0%FY 2019: 27.2%FY 2020: 28.1%FY 2021: 39.8%FY 2022: 37.7%FY 2023: 25.7%FY 2024: -10.1%FY 2025: 14.0%
FY 2016 5y median 25.7% FY 2025
Net Margin 11.5%
FY 2016: 16.8%FY 2017: 13.3%FY 2018: 19.6%FY 2019: 21.9%FY 2020: 22.6%FY 2021: 31.5%FY 2022: 30.1%FY 2023: 20.8%FY 2024: -7.2%FY 2025: 11.5%
FY 2016 5y median 20.8% FY 2025
ROE 7.1%
FY 2016: 8.4%FY 2017: 5.6%FY 2018: 7.6%FY 2019: 10.2%FY 2020: 9.4%FY 2021: 11.7%FY 2022: 13.5%FY 2023: 12.0%FY 2024: -4.8%FY 2025: 7.1%
FY 2016 5y median 11.7% FY 2025
ROIC 5.0%
FY 2016: 3.8%FY 2017: 2.8%FY 2018: 5.1%FY 2019: 6.8%FY 2020: 7.7%FY 2021: 9.4%FY 2022: 6.5%FY 2023: 7.6%FY 2024: -3.1%FY 2025: 5.0%
FY 2016 5y median 6.5% FY 2025
ROA 0.7%
FY 2016: 0.7%FY 2017: 0.5%FY 2018: 0.8%FY 2019: 1.1%FY 2020: 1.0%FY 2021: 1.3%FY 2022: 1.4%FY 2023: 1.3%FY 2024: -0.4%FY 2025: 0.7%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue -1.4%
FY 2016: 20.0%FY 2017: 26.3%FY 2018: 61.3%FY 2019: 35.3%FY 2020: 9.2%FY 2021: 1.1%FY 2022: 26.1%FY 2023: 44.1%FY 2024: 7.9%FY 2025: -1.4%
FY 2016 FY 2025
Operating Income 237.3%
FY 2016: 78.5%FY 2017: 13.7%FY 2018: 81.8%FY 2019: 53.1%FY 2020: 13.0%FY 2021: 42.9%FY 2022: 19.4%FY 2023: -1.7%FY 2024: -142.4%FY 2025: 237.3%
FY 2016 FY 2025
EPS (diluted) 210.0%
FY 2016: 77.6%FY 2017: -6.9%FY 2018: 70.4%FY 2019: 22.5%FY 2020: 9.5%FY 2021: 43.2%FY 2022: 23.0%FY 2023: -0.3%FY 2024: -149.2%FY 2025: 210.0%
FY 2016 FY 2025
Free Cash Flow 18.8%
FY 2016: 53.0%FY 2017: -20.3%FY 2018: 163.8%FY 2019: 40.0%FY 2020: 0.2%FY 2021: 57.8%FY 2022: 3.8%FY 2023: -0.5%FY 2024: -65.1%FY 2025: 18.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.3×
FY 2016: 1.2×FY 2017: 1.0×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.9×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 1.8×
FY 2016: 5.6×FY 2017: 4.1×FY 2018: 2.1×FY 2019: 0.1×FY 2020: -2.8×FY 2021: -1.1×FY 2022: 3.4×FY 2023: 1.0×FY 2024: -2.7×FY 2025: 1.8×
FY 2016 5y median 1.0× FY 2025
Interest Coverage 0.3×
FY 2016: 1.8×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 1.2×FY 2021: 2.6×FY 2022: 2.5×FY 2023: 0.7×FY 2024: -0.2×FY 2025: 0.3×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 3.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.5%FY 2021: 1.2%FY 2022: 2.0%FY 2023: 2.8%FY 2024: 3.8%FY 2025: 3.3%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 33.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 4.0%FY 2021: 9.7%FY 2022: 15.1%FY 2023: 19.4%FY 2024: -52.1%FY 2025: 33.3%
FY 2016 5y median 15.1% FY 2025

Annual · latest fiscal year ends 2025-12-31