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: $22.40 to $22.93
• 50-Day Range: $21.00 to $24.75
• 52-Week Range: $17.86 to $25.17
• Volume: 23,930 shs
• Average Volume: 55,059 shs
• Market Capitalization: $159.77 million
• P/E Ratio: 11.28
• Dividend Yield: 1.78%
• Price Target: N/A
• Consensus Rating: Hold

MainStreet Bank Stock Analysis - MarketRank™

MainStreet Bank scored higher than 77% of companies evaluated by MarketBeat, and ranked 341st out of 885 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

MainStreet Bank has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

MainStreet Bank has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 10.09%

Earnings Growth

Earnings for MainStreet Bank are expected to grow by 10.09% in the coming year, from $2.18 to $2.40 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of MainStreet Bank is 11.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.35.

Price to Earnings Ratio vs. Sector

The P/E ratio of MainStreet Bank is 11.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.14.

Price to Book Value per Share Ratio

MainStreet Bank has a P/B Ratio of 0.85. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.33% 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 2.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in MainStreet Bank has recently decreased by 16.83%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

MainStreet Bank pays a meaningful dividend of 1.75%, 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 Coverage

The dividend payout ratio of MainStreet Bank is 20.10%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, MainStreet Bank will have a dividend payout ratio of 16.67% next year. This indicates that MainStreet Bank will be able to sustain or increase its dividend.

News and Social Media

• Score: 4.3 / 5
• News Sentiment: 0.96

News Sentiment

MainStreet Bank has a news sentiment score of 0.96. 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 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for MainStreet Bank this week, compared to 1 article on an average week.

Search Interest

1 people have searched for MNSB on MarketBeat in the last 30 days.

MarketBeat Follows

2 people have added MainStreet Bank to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.0 / 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

10.17% of the stock of MainStreet Bank is held by insiders. A high percentage of insider ownership can be a sign of company health.

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.

Company Calendar

• Record date for 2/16 Dividend: 2/09/2026
• Ex-Dividend for 2/16 Dividend: 2/09/2026
• Dividend Payable: 2/16/2026
• Last Earnings: 4/20/2026
• Record date for 5/11 Dividend: 5/04/2026
• Ex-Dividend for 5/11 Dividend: 5/04/2026
• Dividend Payable: 5/11/2026
• Today: 5/13/2026
• Next Earnings (Estimated): 7/28/2026
• Fiscal Year End: 12/31/2026

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): $1.99
• Trailing P/E Ratio: 11.28
• Forward P/E Ratio: 10.29
• P/E Growth: N/A
• Net Income: $15.61 million
• Net Margins: 12.94%
• Pretax Margin: 15.98%
• Return on Equity: 9.13%
• Return on Assets: 0.80%

Debt

• Debt-to-Equity Ratio: 0.37
• Current Ratio: 1.07
• Quick Ratio: 1.07

Sales & Book Value

• Annual Sales: $135.62 million
• Price / Sales: 1.18
• Cash Flow: $2.39 per share
• Price / Cash Flow: 9.39
• Book Value: $26.38 per share
• Price / Book: 0.85

Miscellaneous

• Outstanding Shares: 7,120,000
• Free Float: 6,393,000
• Market Cap: $159.77 million
• Optionable: Not Optionable
• Beta: 0.56