MainStreet Bank (MNSB) Stock Price, News & Analysis

Company Overview

MainStreet Bank (NASDAQ: MNSB) is a community‐oriented financial institution headquartered in Crystal Lake, Illinois, that offers a comprehensive suite of banking products and services to both retail customers and commercial clients. Since its founding in 2009, the bank has focused on delivering personalized financial solutions tailored to the needs of local individuals, families and businesses. Core offerings include deposit accounts—such as checking, savings, money market and certificates of deposit—alongside digital banking tools that enable online bill payment, mobile deposits and account management.

On the lending side, MainStreet Bank provides a diverse portfolio of credit products designed to support business growth and personal financial goals. Commercial clients can access real estate financing, equipment loans, lines of credit and treasury management services, while consumers can obtain residential mortgages, home equity loans and auto financing. The bank has earned a reputation for responsive underwriting and flexible terms, which it attributes to its deep understanding of the regional economy and close relationships with borrowers.

Serving the greater Chicago metropolitan area, MainStreet Bank operates multiple branches across northern Illinois, with a concentration in the lakes region north of Chicago. This geographic focus enables the bank to maintain strong local market knowledge, foster community partnerships and participate in economic development initiatives. MainStreet Bank’s footprint continues to expand selectively, always guided by its commitment to sound underwriting, prudent growth and community reinvestment.

Leadership at MainStreet Bank is headed by James S. Henderson, President and Chief Executive Officer, who co‐founded the institution in 2009 and brings extensive banking and finance experience to his role. Under his guidance, the bank has emphasized a culture of customer service, operational excellence and community engagement. The executive team also includes experienced professionals overseeing lending, deposit operations, risk management and technology, all working to ensure that MainStreet Bank remains a trusted partner for its clients and a responsible steward of deposits within its markets.

Key Stats

• Today's Range: $20.32 to $20.74
• 50-Day Range: $18.00 to $20.75
• 52-Week Range: $15.00 to $20.88
• Volume: 10,738 shs
• Average Volume: 18,070 shs
• Market Capitalization: $159.78 million
• P/E Ratio: N/A
• Dividend Yield: 1.93%
• Price Target: N/A
• Consensus Rating: N/A

MainStreet Bank Stock Analysis - MarketRank™

MainStreet Bank scored higher than 72% of companies evaluated by MarketBeat, and ranked 382nd out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for MainStreet Bank.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 34.55%

Earnings Growth

Earnings for MainStreet Bank are expected to grow by 34.55% in the coming year, from $1.10 to $1.48 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of MainStreet Bank is -12.06, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of MainStreet Bank is -12.06, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

MainStreet Bank has a P/B Ratio of 0.87. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.31% of the float of MainStreet Bank has been sold short.

Short Interest Ratio / Days to Cover

MainStreet Bank has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in MainStreet Bank has recently increased by 8.08%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

MainStreet Bank pays a meaningful dividend of 1.93%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

MainStreet Bank does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, MainStreet Bank will have a dividend payout ratio of 27.03% next year. This indicates that MainStreet Bank will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.2 / 5
• Environmental Score: -0.57

Percentage of Shares Shorted

1.31% of the float of MainStreet Bank has been sold short.

Short Interest Ratio / Days to Cover

MainStreet Bank has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in MainStreet Bank has recently increased by 8.08%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, MainStreet Bank insiders have bought more of their company's stock than they have sold. Specifically, they have bought $2,294.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 9.28% of the stock of MainStreet Bank is held by insiders.

Percentage Held by Institutions

52.29% of the stock of MainStreet Bank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

MNSB Stock Analysis - Frequently Asked Questions

How have MNSB shares performed this year?

MainStreet Bank's stock was trading at $18.10 at the start of the year. Since then, MNSB stock has increased by 14.6% and is now trading at $20.75.

How were MainStreet Bank's earnings last quarter?

MainStreet Bank (NASDAQ:MNSB) released its earnings results on Monday, April, 21st. The company reported $0.25 earnings per share for the quarter, beating analysts' consensus estimates of $0.21 by $0.04. The business earned $17.45 million during the quarter, compared to the consensus estimate of $18 million. MainStreet Bank had a negative net margin of 7.82% and a positive trailing twelve-month return on equity of 2.62%.

How do I buy shares of MainStreet Bank?

Shares of MNSB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of MainStreet Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that MainStreet Bank investors own include PayPal (PYPL), Intuitive Surgical (ISRG), Shopify (SHOP), Tesla (TSLA), Crocs (CROX), Farmers & Merchants Bancorp (FMAO) and Occidental Petroleum (OXY).

Company Calendar

• Last Earnings: 4/21/2025
• Record date for 5/20 Dividend: 5/09/2025
• Ex-Dividend for 5/20 Dividend: 5/09/2025
• Dividend Payable: 5/20/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 8/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:MNSB
• CIK: 1693577
• Web: www.mstreetbank.com
• Phone: (703) 481-4567
• Fax: N/A
• Employees: 170
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): ($1.72)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 18.86
• P/E Growth: N/A
• Net Income: -$9.98 million
• Net Margins: -7.82%
• Pretax Margin: -10.76%
• Return on Equity: 2.62%
• Return on Assets: 0.23%

Debt

• Debt-to-Equity Ratio: 0.40
• Current Ratio: 1.08
• Quick Ratio: 1.08

Sales & Book Value

• Annual Sales: $137.87 million
• Price / Sales: 1.16
• Cash Flow: $1.49 per share
• Price / Cash Flow: 13.91
• Book Value: $23.77 per share
• Price / Book: 0.87

Miscellaneous

• Outstanding Shares: 7,700,000
• Free Float: 6,989,000
• Market Cap: $159.78 million
• Optionable: Not Optionable
• Beta: 0.56