MainStreet Bank (MNSB) Stock Price, News & Analysis

Company Overview

MainStreet Bank Group, Inc. (NASDAQ: MNSB) is the bank holding company for MainStreet Bank, a community bank headquartered in Westborough, Massachusetts. Through its subsidiary, the company provides a full range of commercial and consumer banking services designed to meet the financial needs of individuals, small businesses, and non-profit organizations. Its core focus is on building long‐term relationships within the communities it serves.

MainStreet Bank’s product suite includes deposit accounts such as checking, savings, money market and certificate of deposit offerings, as well as a variety of lending solutions. The bank extends commercial real estate, business term and line-of-credit loans to support local enterprises, and offers residential mortgage, home equity and consumer installment loans for personal borrowing needs. Complementing these offerings are digital banking platforms, mobile deposit, online bill pay and treasury management services to streamline cash flow for both retail and commercial clients.

Established in 1981 and based in Westborough, Massachusetts, MainStreet Bank operates multiple branch offices throughout central Massachusetts. The bank’s community-oriented approach emphasizes local decision-making and personalized service. By focusing on regional markets, MainStreet Bank aims to deliver tailored financial solutions while maintaining strong ties with the businesses and households in its service area.

Key Stats

• Today's Range: $20.90 to $21.03
• 50-Day Range: $19.51 to $22.93
• 52-Week Range: $15.00 to $22.98
• Volume: 1,819 shs
• Average Volume: 23,507 shs
• Market Capitalization: $161.41 million
• P/E Ratio: N/A
• Dividend Yield: 1.91%
• Price Target: N/A
• Consensus Rating: N/A

MainStreet Bank Stock Analysis - MarketRank™

MainStreet Bank scored higher than 50% of companies evaluated by MarketBeat, and ranked 702nd out of 949 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 -14.31, 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 -14.31, 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 0.88. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.03% 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 7.4.

Change versus previous month

Short interest in MainStreet Bank has recently increased by 2.03%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

MainStreet Bank pays a meaningful dividend of 1.89%, 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

4.03% 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 7.4.

Change versus previous month

Short interest in MainStreet Bank has recently increased by 2.03%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: N/A

News Sentiment

MainStreet Bank has a news sentiment score of 1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.88 average news sentiment score of Finance companies.

Search Interest

Only 1 people have searched for MNSB on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, MainStreet Bank insiders have not sold or bought any 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 on January 1st, 2025. Since then, MNSB stock has increased by 15.4% and is now trading at $20.8950.

How were MainStreet Bank's earnings last quarter?

MainStreet Bank (NASDAQ:MNSB) issued its earnings results on Tuesday, July, 22nd. The company reported $0.53 earnings per share for the quarter, beating analysts' consensus estimates of $0.44 by $0.09. The company earned $19.86 million during the quarter, compared to analyst estimates of $18.90 million. MainStreet Bank had a positive trailing twelve-month return on equity of 3.72% and a negative net margin of 6.34%.
Read the conference call transcript.

Who are MainStreet Bank's major shareholders?

MainStreet Bank's top institutional investors include Alliancebernstein L.P. (8.52%), Fourthstone LLC (4.39%), Cresset Asset Management LLC (4.34%) and Geode Capital Management LLC (1.99%). Insiders that own company stock include Jeff W Dick, Charles C Brockett, Thomas J Chmelik, Richard Alexander Vari, Russell Echlov, Michael B Baboval, Rafael E Deleon and Ali R Manouchehri.
View institutional ownership trends.

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), Tesla (TSLA), Crocs (CROX), Farmers & Merchants Bancorp (FMAO) and Occidental Petroleum (OXY).

Company Calendar

• Last Earnings: 7/22/2025
• Record date for 8/13 Dividend: 8/06/2025
• Ex-Dividend for 8/13 Dividend: 8/06/2025
• Dividend Payable: 8/13/2025
• Today: 9/18/2025
• Next Earnings (Estimated): 10/27/2025
• 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): ($1.46)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 19.04
• P/E Growth: N/A
• Net Income: -$9.98 million
• Net Margins: -6.34%
• Pretax Margin: -8.67%
• Return on Equity: 3.72%
• Return on Assets: 0.32%

Debt

• Debt-to-Equity Ratio: 0.38
• Current Ratio: 1.07
• Quick Ratio: 1.07

Sales & Book Value

• Annual Sales: $137.87 million
• Price / Sales: 1.17
• Cash Flow: $1.47 per share
• Price / Cash Flow: 14.23
• Book Value: $23.77 per share
• Price / Book: 0.88

Miscellaneous

• Outstanding Shares: 7,710,000
• Free Float: 6,991,000
• Market Cap: $161.45 million
• Optionable: Not Optionable
• Beta: 0.61