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MainStreet Bancshares (MNSBP) Financials

MainStreet Bancshares logo
$24.42 -0.04 (-0.14%)
As of 10/9/2026 12:18 PM Eastern
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Annual Income Statements for MainStreet Bancshares

Annual Income Statements for MainStreet Bancshares

This table shows MainStreet Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 9.21 14 15 20 25 24 -12 13
Consolidated Net Income / (Loss)		 9.21 14 16 22 27 27 -9.98 16
Net Income / (Loss) Continuing Operations		 9.21 14 16 22 27 27 -9.98 16
Total Pre-Tax Income 		11 17 20 28 33 33 -14 19
Total Revenue		 34 44 53 60 75 80 66 74
Net Interest Income / (Expense)		 31 39 46 54 71 77 63 70
Total Interest Income		 44 59 62 64 84 124 135 132
Loans and Leases Interest Income		 41 55 60 62 79 116 125 124
Investment Securities Interest Income		 1.47 2.20 2.01 2.32 2.66 2.90 2.79 2.78
Deposits and Money Market Investments Interest Income		 - - - - - 0.06 0.04 0.05
Federal Funds Sold and Securities Borrowed Interest Income		 1.10 1.40 0.43 0.13 2.31 4.98 6.61 4.54
Total Interest Expense		 13 19 16 11 13 48 72 62
Deposits Interest Expense		 11 18 15 8.78 10 43 68 59
Long-Term Debt Interest Expense		 1.74 1.51 1.07 1.88 2.94 3.29 3.26 3.20
Federal Funds Purchased and Securities Sold Interest Expense		 0.01 0.00 - 0.00 0.35 1.52 0.62 0.09
Total Non-Interest Income		 3.24 4.86 7.45 6.11 4.66 3.34 3.25 4.03
Service Charges on Deposit Accounts		 1.10 1.67 1.92 2.43 2.42 2.15 2.00 2.18
Other Service Charges		 1.71 2.13 4.72 1.93 1.40 0.12 0.12 0.22
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.57 0.03 0.85 -0.16 0.00 -0.05 0.38
Other Non-Interest Income		 0.43 0.50 0.78 0.90 1.01 1.07 1.19 1.25
Provision for Credit Losses		 3.13 1.62 3.61 -1.18 2.40 1.64 6.76 -0.07
Total Non-Interest Expense		 20 25 30 33 40 46 73 55
Salaries and Employee Benefits		 12 16 18 19 24 28 30 32
Net Occupancy & Equipment Expense		 3.41 3.59 4.64 5.20 5.56 5.80 6.60 6.72
Marketing Expense		 0.61 0.91 1.00 1.57 2.30 2.34 2.20 2.05
Property & Liability Insurance Claims		 0.73 0.68 1.33 1.05 0.64 1.13 1.34 2.14
Other Operating Expenses		 3.38 4.43 5.35 5.75 7.22 8.08 13 12
Impairment Charge		 - - - - 0.00 0.00 20 0.00
Income Tax Expense		 2.09 3.35 3.84 5.79 6.71 6.24 -3.92 3.48
Preferred Stock Dividends Declared		 - 0.00 0.64 2.16 2.16 2.16 2.16 2.16
Basic Earnings per Share		 $1.38 $1.69 $1.85 $2.65 $3.26 $3.25 ($1.60) $1.76
Weighted Average Basic Shares Outstanding		 - 8.32M 7.54M 7.65M 7.52M 7.61M 7.73M 7.37M
Diluted Earnings per Share		 $1.38 $1.69 $1.85 $2.65 $3.26 $3.25 ($1.60) $1.76
Weighted Average Diluted Shares Outstanding		 - 8.32M 7.54M 7.65M 7.52M 7.61M 7.73M 7.37M
Weighted Average Basic & Diluted Shares Outstanding		 - 8.32M 7.54M 7.65M 7.52M 7.61M 7.73M 7.37M
Cash Dividends to Common per Share		 - - - - $0.25 $0.40 $0.40 $0.40

Quarterly Income Statements for MainStreet Bancshares

This table shows MainStreet Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.61 2.77 2.08 -0.27 -17 1.91 4.05 3.98 3.51 3.56 4.13
Consolidated Net Income / (Loss)		 5.15 3.31 2.62 0.27 -16 2.45 4.59 4.52 4.05 4.10 4.67
Net Income / (Loss) Continuing Operations		 5.15 3.31 2.62 0.27 -16 2.45 4.59 4.52 4.05 4.10 4.67
Total Pre-Tax Income 		6.27 4.14 2.86 0.10 -21 3.14 5.65 5.41 4.89 5.36 6.03
Total Revenue		 18 16 16 16 17 17 20 18 18 18 19
Net Interest Income / (Expense)		 18 16 16 15 17 17 19 17 17 17 18
Total Interest Income		 33 32 33 34 35 33 34 32 32 31 32
Loans and Leases Interest Income		 31 31 32 32 32 31 32 31 30 30 31
Investment Securities Interest Income		 0.72 0.71 0.70 0.69 0.69 0.45 0.46 0.71 0.70 0.45 0.45
Deposits and Money Market Investments Interest Income		 - 0.89 0.81 0.01 - 0.95 0.01 0.01 -1.84 0.01 0.01
Federal Funds Sold and Securities Borrowed Interest Income		 1.45 0.29 0.28 1.28 3.10 0.22 1.14 1.06 3.04 0.99 0.63
Other Interest Income		 - - - - - 0.23 0.24 - - 0.26 0.26
Total Interest Expense		 16 17 18 18 19 16 15 15 15 14 14
Deposits Interest Expense		 15 16 17 17 18 16 15 15 14 13 13
Long-Term Debt Interest Expense		 -0.08 0.82 0.82 0.83 0.74 0.81 0.80 0.80 0.79 0.78 0.85
Federal Funds Purchased and Securities Sold Interest Expense		 1.05 0.15 0.19 0.28 0.05 0.07 0.00 0.03 - 0.03 0.08
Total Non-Interest Income		 0.64 0.80 0.76 0.89 0.60 0.94 1.07 1.12 0.90 0.41 0.89
Service Charges on Deposit Accounts		 0.51 0.47 0.49 0.56 0.48 0.53 0.54 0.56 0.56 0.57 0.55
Other Service Charges		 -0.16 0.04 0.03 0.03 -0.18 0.05 0.05 0.10 0.02 0.20 0.02
Net Realized & Unrealized Capital Gains on Investments		 - 0.00 -0.05 0.00 - 0.06 0.17 0.15 - -0.69 0.00
Other Non-Interest Income		 0.28 0.29 0.29 0.30 0.30 0.30 0.31 0.32 0.32 0.32 0.33
Provision for Credit Losses		 0.47 -0.20 0.64 2.91 3.41 0.00 -0.54 0.14 0.33 -0.13 0.59
Total Non-Interest Expense		 12 12 13 13 35 14 15 13 13 13 13
Salaries and Employee Benefits		 7.13 7.49 7.48 7.25 8.25 8.39 8.28 7.37 7.56 7.55 7.51
Net Occupancy & Equipment Expense		 2.53 1.68 1.67 1.67 2.54 1.77 1.82 1.57 1.55 1.49 1.36
Marketing Expense		 0.27 0.45 0.57 0.58 0.60 0.48 0.53 0.57 0.47 0.30 0.38
Property & Liability Insurance Claims		 - 0.33 0.33 0.33 - 0.36 0.85 0.56 0.37 0.39 0.48
Other Operating Expenses		 0.45 2.53 2.79 3.39 2.30 3.31 3.27 2.60 2.88 2.95 2.79
Income Tax Expense		 1.12 0.83 0.24 -0.17 -4.82 0.68 1.06 0.90 0.84 1.26 1.36
Preferred Stock Dividends Declared		 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54
Basic Earnings per Share		 $0.62 $0.36 $0.27 ($0.04) ($2.19) $0.25 $0.53 $0.52 $0.46 $0.48 $0.58
Weighted Average Basic Shares Outstanding		 7.61M 7.62M 7.60M 7.60M 7.73M 7.70M 7.71M 7.71M 7.37M 7.12M 7.12M
Diluted Earnings per Share		 $0.62 $0.36 $0.27 ($0.04) ($2.19) $0.25 $0.53 $0.52 $0.46 $0.48 $0.58
Weighted Average Diluted Shares Outstanding		 7.61M 7.62M 7.60M 7.60M 7.73M 7.70M 7.71M 7.71M 7.37M 7.12M 7.12M
Weighted Average Basic & Diluted Shares Outstanding		 7.61M 7.62M 7.60M 7.60M 7.73M 7.70M 7.71M 7.71M 7.37M 7.12M 7.12M

Annual Cash Flow Statements for MainStreet Bancshares

This table details how cash moves in and out of MainStreet Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 21 6.77 43 -46 37 -16 93 -45
Net Cash From Operating Activities		 13 17 17 29 34 32 15 15
Net Cash From Continuing Operating Activities		 13 17 17 29 34 32 15 15
Net Income / (Loss) Continuing Operations		 9.21 14 16 22 27 27 -9.98 16
Consolidated Net Income / (Loss)		 9.21 14 16 22 27 27 -9.98 16
Provision For Loan Losses		 - 1.62 3.61 -1.18 2.40 1.64 6.76 -0.07
Depreciation Expense		 1.67 1.59 1.75 1.89 2.08 2.27 3.68 4.40
Amortization Expense		 0.03 0.27 0.42 0.70 0.82 0.87 1.35 0.94
Non-Cash Adjustments to Reconcile Net Income		 3.69 0.01 -0.68 0.48 0.86 1.35 17 0.37
Changes in Operating Assets and Liabilities, net		 -2.01 -0.75 -3.83 5.06 0.71 -1.09 -3.87 -6.44
Net Cash From Investing Activities		 -273 -161 -314 -61 -229 -131 -122 -38
Net Cash From Continuing Investing Activities		 -273 -161 -314 -29 -229 -131 -122 -38
Purchase of Property, Leasehold Improvements and Equipment		 -1.38 -0.99 -1.28 -4.30 -7.78 -6.01 -5.79 -4.17
Purchase of Investment Securities		 -397 -307 -562 -400 -239 -11 -11 -9.58
Sale of Property, Leasehold Improvements and Equipment		 0.03 0.08 0.05 0.08 0.00 0.13 0.20 0.05
Sale and/or Maturity of Investments		 125 147 249 459 259 14 37 16
Other Investing Activities, net		 - - - -84 -241 -128 -142 -41
Net Cash From Financing Activities		 281 151 339 -14 233 83 201 -21
Net Cash From Continuing Financing Activities		 281 151 339 -14 233 83 201 -21
Net Change in Deposits		 252 151 367 -26 101 173 222 -8.61
Repayment of Debt		 -14 0.00 -40 - 100 -100 0.00 -3.23
Repurchase of Common Equity		 - 0.00 -14 0.00 -6.92 -0.04 -0.73 -4.34
Payment of Dividends		 - 0.00 -0.64 -2.16 -4.04 -5.17 -5.20 -5.21
Other Financing Activities, Net		 -0.01 - - - 0.00 15 -15 0.00
Cash Interest Paid		 12 19 16 10 13 46 71 62
Cash Income Taxes Paid		 2.62 4.16 4.62 6.84 6.38 7.28 1.28 0.17

Quarterly Cash Flow Statements for MainStreet Bancshares

This table details how cash moves in and out of MainStreet Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -6.67 10 -33 141 -24 -5.07 -69 -5.99 35 5.36 -59
Net Cash From Operating Activities		 5.33 3.64 1.17 4.47 5.45 1.45 1.19 5.59 6.58 6.60 4.95
Net Cash From Continuing Operating Activities		 5.33 3.64 1.17 4.47 5.45 1.45 1.19 5.59 6.58 6.60 4.95
Net Income / (Loss) Continuing Operations		 5.15 3.31 2.62 0.26 -16 2.45 4.59 4.52 4.05 4.10 4.67
Consolidated Net Income / (Loss)		 5.15 3.31 2.62 0.26 -16 2.45 4.59 4.52 4.05 4.10 4.67
Provision For Loan Losses		 0.47 -0.20 0.64 2.91 3.41 0.00 -0.54 0.15 0.33 -0.13 0.59
Depreciation Expense		 0.58 0.75 0.88 0.90 1.15 1.09 1.10 1.10 1.10 0.96 1.24
Amortization Expense		 0.34 0.22 0.23 0.23 0.67 0.23 0.26 0.19 0.26 0.23 0.19
Non-Cash Adjustments to Reconcile Net Income		 -0.05 0.90 0.84 -0.58 16 0.01 0.29 0.56 -0.48 1.13 0.32
Changes in Operating Assets and Liabilities, net		 -1.16 -1.34 -4.03 0.75 0.75 -2.33 -4.50 -0.93 1.31 0.32 -2.07
Net Cash From Investing Activities		 -29 -23 -55 -0.82 -43 -4.37 41 -21 -54 -8.64 -77
Net Cash From Continuing Investing Activities		 -29 -23 -55 -0.82 -43 -4.37 41 -21 -54 -8.64 -77
Purchase of Property, Leasehold Improvements and Equipment		 -1.29 -1.64 -1.62 -1.84 -0.70 -0.06 -3.82 -0.14 -0.16 -0.10 -0.10
Purchase of Investment Securities		 -5.03 -1.61 -3.70 -0.37 -5.03 -4.17 -1.51 -2.13 -1.78 0.00 -0.25
Sale and/or Maturity of Investments		 2.38 2.00 2.46 23 9.04 1.09 9.60 1.78 3.40 1.68 0.83
Other Investing Activities, net		 -25 -22 -53 -22 -46 -1.23 37 -21 -56 -10 -78
Net Cash From Financing Activities		 17 30 21 137 13 -2.15 -112 9.62 83 7.40 13
Net Cash From Continuing Financing Activities		 17 30 21 137 13 -2.15 -112 9.62 83 7.40 13
Net Change in Deposits		 2.94 47 23 138 14 0.53 -110 12 88 16 20
Repurchase of Common Equity		 - -0.42 -0.30 - -0.01 -0.45 - - -3.89 -6.08 -4.99
Payment of Dividends		 -1.29 -1.30 -1.30 -1.30 -1.30 -1.30 -1.31 -1.31 -1.29 -1.30 -1.25
Other Financing Activities, Net		 15 -15 - - - 0.00 - - - -0.77 -0.01
Cash Interest Paid		 16 16 18 18 19 16 16 15 15 13 13
Cash Income Taxes Paid		 1.10 0.00 1.25 - 0.03 0.00 - 0.05 0.12 0.00 1.31

Annual Balance Sheets for MainStreet Bancshares

This table presents MainStreet Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,101 1,277 1,643 1,647 1,926 2,035 2,228 2,213
Cash and Due from Banks		 28 53 76 62 49 54 21 25
Federal Funds Sold		 30 11 32 31 82 61 185 136
Interest Bearing Deposits at Other Banks		 - - - - - - 1.71 1.28
Trading Account Securities		 82 117 227 120 63 77 72 58
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 1,705 1,811 0.00
Accrued Investment Income		 5.15 5.42 9.60 - 9.58 12 11 15
Premises and Equipment, Net		 14 14 14 15 15 14 13 14
Other Assets		 24 46 54 1,417 1,699 98 113 1,964
Total Liabilities & Shareholders' Equity		 1,101 1,277 1,643 1,647 1,926 2,035 2,228 2,213
Total Liabilities		 979 1,140 1,476 1,459 1,727 1,814 2,020 1,994
Non-Interest Bearing Deposits		 212 253 370 531 551 365 324 379
Interest Bearing Deposits		 708 819 1,068 881 962 1,322 1,583 1,520
Long-Term Debt		 55 55 15 29 172 73 73 70
Other Long-Term Liabilities		 4.45 14 22 17 42 40 39 25
Total Equity & Noncontrolling Interests		 121 137 168 189 198 222 208 219
Total Preferred & Common Equity		 121 137 168 189 198 222 208 219
Preferred Stock		 0.00 0.00 27 - 27 27 27 27
Total Common Equity		 121 137 140 189 171 194 181 191
Common Stock		 106 108 95 97 93 95 97 96
Retained Earnings		 15 29 44 64 87 107 91 102
Accumulated Other Comprehensive Income / (Loss)		 -0.37 0.42 0.98 0.20 -8.55 -7.48 -7.71 -5.77

Quarterly Balance Sheets for MainStreet Bancshares

This table presents MainStreet Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 2,021 2,070 2,094 2,225 2,223 2,115 2,125 2,223 2,243
Cash and Due from Banks		 45 49 42 41 18 21 24 33 30
Federal Funds Sold		 76 76 50 191 25 27 102 134 78
Interest Bearing Deposits at Other Banks		 - - - - 160 86 1.32 0.78 0.75
Trading Account Securities		 57 59 58 58 56 56 58 57 57
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 11 11 12 11 9.61 15 14 13 15
Premises and Equipment, Net		 14 14 14 14 13 13 13 13 13
Other Assets		 1,805 1,846 1,902 1,890 1,942 1,897 1,912 1,971 2,049
Total Liabilities & Shareholders' Equity		 2,021 2,070 2,094 2,225 2,223 2,115 2,125 2,223 2,243
Total Liabilities		 1,808 1,847 1,869 1,999 2,013 1,901 1,906 2,008 2,029
Non-Interest Bearing Deposits		 395 349 315 348 345 330 325 359 364
Interest Bearing Deposits		 1,288 1,384 1,441 1,546 1,563 1,469 1,486 1,556 1,570
Long-Term Debt		 73 73 73 73 72 71 70 70 70
Other Long-Term Liabilities		 52 41 41 32 33 32 26 24 24
Total Equity & Noncontrolling Interests		 214 223 225 226 210 213 218 215 214
Total Preferred & Common Equity		 214 223 225 226 210 213 218 215 214
Preferred Stock		 27 27 27 27 27 27 27 27 27
Total Common Equity		 186 196 197 199 182 186 191 188 187
Common Stock		 95 95 96 97 97 98 99 89 85
Retained Earnings		 103 108 110 109 92 96 99 104 108
Accumulated Other Comprehensive Income / (Loss)		 -11 -7.93 -8.04 -6.37 -7.37 -7.46 -6.42 -5.93 -5.52

Annual Metrics And Ratios for MainStreet Bancshares

This table displays calculated financial ratios and metrics derived from MainStreet Bancshares' official financial filings.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 8,260,259.00 7,528,052.00 7,594,781.00 7,435,193.00 7,527,295.00 - 7,705,571.00
DEI Adjusted Shares Outstanding		 0.00 8,260,259.00 7,528,052.00 7,594,781.00 7,435,193.00 7,527,295.00 - 7,705,571.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 1.69 2.09 2.92 3.59 3.53 - 2.03
Growth Metrics		 - - - - - - - -
Revenue Growth		 0.00% 28.74% 20.61% 11.64% 26.26% 6.34% -17.80% 11.77%
EBITDA Growth		 0.00% 47.39% 13.38% 40.59% 18.83% -0.91% -124.67% 375.31%
EBIT Growth		 0.00% 53.09% 13.04% 42.92% 19.43% -1.69% -142.36% 237.31%
NOPAT Growth		 0.00% 51.48% 12.67% 41.06% 20.31% -0.33% -136.61% 260.42%
Net Income Growth		 0.00% 51.48% 12.67% 41.06% 20.31% -0.33% -137.54% 256.44%
EPS Growth		 0.00% 22.46% 9.47% 43.24% 23.02% -0.31% -149.23% 210.00%
Operating Cash Flow Growth		 0.00% 32.57% 1.94% 71.16% 15.18% -5.70% -53.40% 0.48%
Free Cash Flow Firm Growth		 0.00% 0.00% 1,445.70% -153.53% -837.75% 181.86% -96.70% 138.97%
Invested Capital Growth		 0.00% 8.98% -4.87% 19.50% 69.90% -20.61% -4.46% 2.67%
Revenue Q/Q Growth		 0.00% 2.27% 7.14% 0.95% 9.66% -4.09% -0.87% 1.65%
EBITDA Q/Q Growth		 0.00% -0.63% 34.48% -9.43% 10.67% -8.78% -150.76% 2,574.97%
EBIT Q/Q Growth		 0.00% -1.19% 38.65% -10.52% 11.18% -9.79% -204.10% 381.16%
NOPAT Q/Q Growth		 0.00% -0.75% 35.83% -11.56% 11.57% -8.38% -185.87% 428.49%
Net Income Q/Q Growth		 0.00% -0.75% 35.83% -11.56% 11.57% -8.38% -188.05% 438.82%
EPS Q/Q Growth		 0.00% -2.87% 32.14% -10.47% 12.80% -8.96% -232.23% 297.75%
Operating Cash Flow Q/Q Growth		 0.00% -0.73% 2.89% -3.86% 24.57% -14.46% 0.88% 8.21%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 235.43% -16.55% -826.56% 2,011.42% 347.90% 34.42%
Invested Capital Q/Q Growth		 0.00% 21.41% -2.97% -2.93% 41.34% 2.75% -6.01% 0.11%
Profitability Metrics		 - - - - - - - -
EBITDA Margin		 37.78% 43.26% 40.66% 51.21% 48.19% 44.91% -13.48% 33.20%
EBIT Margin		 32.85% 39.06% 36.61% 46.87% 44.33% 40.99% -21.12% 25.95%
Profit (Net Income) Margin		 26.76% 31.49% 29.42% 37.17% 35.42% 33.20% -15.16% 21.22%
Tax Burden Percent		 81.47% 80.62% 80.35% 79.31% 79.89% 80.99% 71.78% 81.78%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.53% 19.38% 19.65% 20.69% 20.11% 19.01% 0.00% 18.22%
Return on Invested Capital (ROIC)		 5.23% 7.58% 8.40% 11.07% 9.06% 8.00% -3.38% 5.48%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.23% 7.58% 8.40% 11.07% 9.06% 8.00% -3.72% 5.48%
Return on Net Nonoperating Assets (RNNOA)		 2.36% 3.22% 1.92% 1.37% 4.72% 4.67% -1.26% 1.84%
Return on Equity (ROE)		 7.60% 10.80% 10.32% 12.44% 13.78% 12.67% -4.65% 7.32%
Cash Return on Invested Capital (CROIC)		 0.00% -1.01% 13.39% -6.70% -42.74% 30.98% 1.18% 2.85%
Operating Return on Assets (OROA)		 1.03% 1.46% 1.34% 1.70% 1.87% 1.66% -0.65% 0.86%
Return on Assets (ROA)		 0.84% 1.17% 1.08% 1.35% 1.49% 1.34% -0.47% 0.70%
Return on Common Equity (ROCE)		 7.60% 10.80% 9.39% 11.49% 12.81% 11.02% -4.06% 6.38%
Return on Equity Simple (ROE_SIMPLE)		 7.60% 10.18% 9.37% 11.74% 13.45% 12.00% -4.80% 7.14%
Net Operating Profit after Tax (NOPAT)		 9.21 14 16 22 27 27 -9.73 16
NOPAT Margin		 26.76% 31.49% 29.42% 37.17% 35.42% 33.20% -14.79% 21.22%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.34% 0.00%
SG&A Expenses to Revenue		 46.11% 45.76% 44.13% 43.70% 42.05% 45.46% 59.67% 54.85%
Operating Expenses to Revenue		 58.07% 57.28% 56.63% 55.10% 52.48% 56.96% 110.85% 74.15%
Earnings before Interest and Taxes (EBIT)		 11 17 20 28 33 33 -14 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 19 22 31 36 36 -8.87 24
Valuation Ratios		 - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.33 0.87 0.95 1.11 0.91 0.76 0.81
Price to Tangible Book Value (P/TBV)		 0.00 1.33 0.87 0.96 1.18 0.99 0.76 0.81
Price to Revenue (P/Rev)		 0.00 4.10 2.28 2.99 2.53 2.21 2.08 2.11
Price to Earnings (P/E)		 0.00 13.02 8.07 8.92 7.76 7.24 0.00 11.56
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.98% 1.70% 2.22% 1.98%
Earnings Yield		 0.00% 7.68% 12.39% 11.21% 12.88% 13.80% 0.00% 8.65%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.89 0.31 0.53 0.70 0.55 0.10 0.31
Enterprise Value to Revenue (EV/Rev)		 0.00 3.87 1.05 1.92 3.44 2.03 0.45 1.22
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 8.96 2.59 3.75 7.14 4.51 0.00 3.68
Enterprise Value to EBIT (EV/EBIT)		 0.00 9.92 2.88 4.10 7.76 4.95 0.00 4.71
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 12.30 3.58 5.17 9.72 6.11 0.00 5.76
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 10.28 3.31 3.94 7.73 5.13 1.99 6.08
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 2.25 0.00 0.00 1.58 8.65 11.09
Leverage & Solvency		 - - - - - - - -
Debt to Equity		 0.45 0.40 0.09 0.16 0.87 0.33 0.35 0.32
Long-Term Debt to Equity		 0.45 0.40 0.09 0.16 0.87 0.33 0.35 0.32
Financial Leverage		 0.45 0.42 0.23 0.12 0.52 0.58 0.34 0.34
Leverage Ratio		 9.08 9.21 9.58 9.23 9.23 9.44 9.93 10.41
Compound Leverage Factor		 9.08 9.21 9.58 9.23 9.23 9.44 9.93 10.41
Debt to Total Capital		 31.12% 28.57% 8.13% 13.43% 46.49% 24.69% 25.99% 24.24%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 31.12% 28.57% 8.13% 13.43% 46.49% 24.69% 25.99% 24.24%
Preferred Equity to Total Capital		 0.00% 0.00% 14.94% 0.00% 7.36% 9.27% 9.70% 9.45%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 68.88% 71.43% 76.93% 86.57% 46.16% 66.04% 64.31% 66.31%
Debt to EBITDA		 4.21 2.86 0.68 0.96 4.75 2.02 -8.23 2.86
Net Debt to EBITDA		 -0.25 -0.52 -4.27 -2.09 1.15 -1.16 15.18 -3.80
Long-Term Debt to EBITDA		 4.21 2.86 0.68 0.96 4.75 2.02 -8.23 2.86
Debt to NOPAT		 5.95 3.93 0.94 1.32 6.46 2.73 -7.50 4.48
Net Debt to NOPAT		 -0.36 -0.72 -5.90 -2.88 1.56 -1.58 13.84 -5.95
Long-Term Debt to NOPAT		 5.95 3.93 0.94 1.32 6.46 2.73 -7.50 4.48
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 8.95% 7.65% 7.04% 12.99% 12.70% 12.78%
Liquidity Ratios		 - - - - - - - -
Cash Flow Metrics		 - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -1.86 25 -13 -126 103 3.40 8.12
Operating Cash Flow to CapEx		 936.83% 1,828.26% 1,384.54% 690.14% 431.10% 538.34% 263.50% 359.40%
Free Cash Flow to Firm to Interest Expense		 0.00 -0.10 1.56 -1.26 -9.41 2.16 0.05 0.13
Operating Cash Flow to Interest Expense		 0.99 0.86 1.06 2.73 2.51 0.66 0.20 0.24
Operating Cash Flow Less CapEx to Interest Expense		 0.89 0.81 0.98 2.34 1.93 0.54 0.13 0.17
Efficiency Ratios		 - - - - - - - -
Asset Turnover		 0.03 0.04 0.04 0.04 0.04 0.04 0.03 0.03
Fixed Asset Turnover		 2.42 3.12 3.76 4.09 5.09 5.59 4.83 5.47
Capital & Investment Metrics		 - - - - - - - -
Invested Capital		 176 192 182 218 371 294 281 289
Invested Capital Turnover		 0.20 0.24 0.29 0.30 0.26 0.24 0.23 0.26
Increase / (Decrease) in Invested Capital		 0.00 16 -9.34 36 152 -76 -13 7.50
Enterprise Value (EV)		 0.00 172 56 115 259 162 29 90
Market Capitalization		 0.00 182 122 179 190 177 137 156
Book Value per Share		 $0.00 $16.59 $18.65 $24.86 $23.00 $25.81 $23.77 $24.83
Tangible Book Value per Share		 $0.00 $16.59 $18.65 $24.53 $21.77 $23.86 $23.77 $24.83
Total Capital		 176 192 182 218 371 294 281 289
Total Debt		 55 55 15 29 172 73 73 70
Total Long-Term Debt		 55 55 15 29 172 73 73 70
Net Debt		 -3.30 -10 -93 -64 42 -42 -135 -93
Capital Expenditures (CapEx)		 1.34 0.91 1.23 4.22 7.78 5.88 5.59 4.12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.25 0.00
Net Nonoperating Obligations (NNO)		 55 55 15 29 172 73 73 70
Total Depreciation and Amortization (D&A)		 1.70 1.86 2.17 2.59 2.91 3.14 5.03 5.34
Earnings Adjustments		 - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $1.69 $1.85 $2.65 $3.26 $3.25 ($1.60) $1.76
Adjusted Weighted Average Basic Shares Outstanding		 0.00 8.32M 7.54M 7.65M 7.52M 7.61M 7.73M 7.37M
Adjusted Diluted Earnings per Share		 $0.00 $1.69 $1.85 $2.65 $3.26 $3.25 ($1.60) $1.76
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 8.32M 7.54M 7.65M 7.52M 7.61M 7.73M 7.37M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 8.32M 7.54M 7.65M 7.52M 7.61M 7.73M 7.37M
Normalized Net Operating Profit after Tax (NOPAT)		 9.21 14 16 22 27 27 4.07 16
Normalized NOPAT Margin		 26.76% 31.49% 29.42% 37.17% 35.42% 33.20% 6.19% 21.22%
Pre Tax Income Margin		 32.85% 39.06% 36.61% 46.87% 44.33% 40.99% -21.12% 25.95%
Debt Service Ratios		 - - - - - - - -
EBIT to Interest Expense		 0.89 0.89 1.22 2.62 2.50 0.69 -0.19 0.31
NOPAT to Interest Expense		 0.73 0.72 0.98 2.08 2.00 0.56 -0.14 0.25
EBIT Less CapEx to Interest Expense		 0.79 0.85 1.14 2.23 1.92 0.57 -0.27 0.24
NOPAT Less CapEx to Interest Expense		 0.62 0.67 0.90 1.68 1.41 0.43 -0.21 0.19
Payout Ratios		 - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 4.04% 9.72% 15.14% 19.44% -52.12% 33.34%
Augmented Payout Ratio		 0.00% 0.00% 91.82% 9.72% 41.07% 19.60% -59.46% 61.12%

Quarterly Metrics And Ratios for MainStreet Bancshares

This table displays calculated financial ratios and metrics derived from MainStreet Bancshares' official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 7,527,295.00 7,614,090.00 7,617,213.00 7,602,518.00 - 15,456,212.00 7,704,037.00 7,705,900.00 7,705,571.00 7,366,049.00 7,117,438.00
DEI Adjusted Shares Outstanding		 7,527,295.00 7,614,090.00 7,617,213.00 7,602,518.00 - 15,456,212.00 7,704,037.00 7,705,900.00 7,705,571.00 7,366,049.00 7,117,438.00
DEI Earnings Per Adjusted Shares Outstanding		 0.68 0.43 0.34 0.03 - 0.16 0.60 0.59 0.53 0.56 0.66
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -17.53% -25.68% -18.68% -17.46% -5.88% 6.26% 21.60% 12.29% 7.10% 2.59% -3.68%
EBITDA Growth		 -32.50% -52.91% -57.53% -85.78% -366.60% -12.81% 77.06% 448.57% 132.60% 46.96% 6.36%
EBIT Growth		 -36.24% -59.09% -66.76% -98.77% -434.91% -24.18% 97.97% 5,480.41% 123.29% 70.91% 6.56%
NOPAT Growth		 -32.08% -59.45% -62.31% -95.82% -385.49% -25.78% 75.32% 1,604.53% 127.58% 67.14% 1.70%
Net Income Growth		 -32.08% -59.45% -62.31% -95.82% -414.12% -25.78% 75.32% 1,604.53% 125.07% 67.14% 1.70%
EPS Growth		 -34.04% -64.36% -68.24% -105.19% -453.23% -30.56% 96.30% 1,400.00% 121.00% 92.00% 9.43%
Operating Cash Flow Growth		 -50.11% -58.76% -85.04% -53.57% 2.40% -60.17% 1.70% 25.03% 20.61% 355.07% 314.15%
Free Cash Flow Firm Growth		 156.27% 321.71% 22.94% 30.11% -101.92% -44.39% 245.49% 223.05% -120.01% -94.95% -72.24%
Invested Capital Growth		 -20.61% -8.21% 5.16% 4.44% -4.46% -4.77% -4.32% -3.61% 2.67% 1.16% -0.06%
Revenue Q/Q Growth		 -7.22% -9.99% -0.56% -0.61% 5.80% 3.57% 13.79% -8.22% -0.99% -0.79% 6.84%
EBITDA Q/Q Growth		 -16.41% -28.96% -22.40% -69.14% -1,667.13% 123.23% 57.58% -4.39% -6.86% 4.72% 14.04%
EBIT Q/Q Growth		 -20.22% -34.03% -30.93% -96.60% -21,741.24% 114.93% 80.35% -4.26% -9.68% 9.59% 12.45%
NOPAT Q/Q Growth		 -18.83% -35.79% -20.79% -89.88% -5,645.06% 116.69% 87.12% -1.59% -10.27% 1.16% 13.85%
Net Income Q/Q Growth		 -18.83% -35.79% -20.79% -89.88% -6,201.13% 115.17% 87.12% -1.59% -10.27% 1.16% 13.85%
EPS Q/Q Growth		 -19.48% -41.94% -25.00% -114.81% -5,375.00% 111.42% 112.00% -1.89% -11.54% 4.35% 20.83%
Operating Cash Flow Q/Q Growth		 -44.69% -31.59% -67.77% 280.75% 21.99% -73.39% -17.71% 368.09% 17.68% 0.40% -25.11%
Free Cash Flow Firm Q/Q Growth		 557.98% -63.47% -140.26% -3.79% 87.42% 1,157.81% 5.31% -12.21% -122.50% 124.30% 478.26%
Invested Capital Q/Q Growth		 2.75% 0.58% 0.57% 0.48% -6.01% 0.26% 1.05% 1.23% 0.11% -1.22% -0.17%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.40% 31.10% 24.27% 7.54% -111.62% 25.52% 35.34% 36.81% 34.63% 36.56% 39.02%
EBIT Margin		 34.36% 25.18% 17.49% 0.60% -122.25% 17.97% 28.48% 29.70% 27.10% 29.93% 31.50%
Profit (Net Income) Margin		 28.21% 20.13% 16.03% 1.63% -94.16% 14.06% 23.12% 24.79% 22.46% 22.90% 24.41%
Tax Burden Percent		 82.12% 79.93% 91.67% 273.20% 77.02% 78.25% 81.18% 83.45% 82.90% 76.52% 77.48%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.88% 20.07% 8.33% -173.20% 0.00% 21.75% 18.82% 16.55% 17.10% 23.48% 22.52%
Return on Invested Capital (ROIC)		 6.80% 4.85% 3.90% 0.38% -19.59% 3.25% 5.59% 6.11% 5.80% 5.98% 6.29%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.80% 4.85% 3.90% 0.38% -21.61% 3.25% 5.59% 6.11% 5.80% 5.98% 6.29%
Return on Net Nonoperating Assets (RNNOA)		 3.97% 2.15% 1.30% 0.12% -7.33% 1.09% 1.84% 1.96% 1.95% 2.00% 2.08%
Return on Equity (ROE)		 10.76% 7.00% 5.21% 0.50% -26.92% 4.34% 7.43% 8.07% 7.75% 7.99% 8.36%
Cash Return on Invested Capital (CROIC)		 30.98% 15.60% 0.97% -0.47% 1.18% 1.27% 1.50% 2.06% 2.85% 4.94% 6.15%
Operating Return on Assets (OROA)		 1.39% 0.91% 0.61% 0.02% -3.78% 0.56% 0.95% 0.99% 0.90% 1.00% 1.06%
Return on Assets (ROA)		 1.14% 0.73% 0.56% 0.05% -2.91% 0.44% 0.77% 0.82% 0.74% 0.76% 0.82%
Return on Common Equity (ROCE)		 9.37% 6.11% 4.55% 0.44% -23.50% 3.80% 6.50% 7.08% 6.76% 6.96% 7.30%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.74% 7.75% 5.01% 0.00% -5.17% -4.15% -2.11% 0.00% 8.03% 8.09%
Net Operating Profit after Tax (NOPAT)		 5.15 3.31 2.62 0.27 -15 2.45 4.59 4.52 4.05 4.10 4.67
NOPAT Margin		 28.21% 20.13% 16.03% 1.63% -85.58% 14.06% 23.12% 24.79% 22.46% 22.90% 24.41%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 2.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.41% 58.61% 59.52% 58.51% 66.36% 60.98% 53.51% 52.19% 53.10% 52.16% 48.35%
Operating Expenses to Revenue		 63.09% 76.01% 78.60% 81.45% 202.41% 82.03% 74.26% 69.51% 71.08% 70.80% 65.44%
Earnings before Interest and Taxes (EBIT)		 6.27 4.14 2.86 0.10 -21 3.14 5.65 5.41 4.89 5.36 6.03
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.19 5.11 3.96 1.22 -19 4.45 7.02 6.71 6.25 6.54 7.46
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 0.69 0.67 0.69 0.76 0.69 0.78 0.84 0.81 0.87 0.93
Price to Tangible Book Value (P/TBV)		 0.99 0.75 0.73 0.76 0.76 0.69 0.78 0.84 0.81 0.87 0.93
Price to Revenue (P/Rev)		 2.21 1.80 1.86 2.04 2.08 1.89 2.06 2.22 2.11 2.20 2.39
Price to Earnings (P/E)		 7.24 6.86 8.61 14.95 0.00 0.00 0.00 0.00 11.56 10.78 11.53
Dividend Yield		 1.70% 2.27% 2.32% 2.22% 2.22% 2.45% 2.13% 1.92% 1.98% 1.81% 1.63%
Earnings Yield		 13.80% 14.58% 11.62% 6.69% 0.00% 0.00% 0.00% 0.00% 8.65% 9.28% 8.68%
Enterprise Value to Invested Capital (EV/IC)		 0.55 0.37 0.47 0.02 0.10 0.08 0.39 0.45 0.31 0.32 0.57
Enterprise Value to Revenue (EV/Rev)		 2.03 1.47 1.98 0.08 0.45 0.34 1.56 1.80 1.22 1.24 2.22
Enterprise Value to EBITDA (EV/EBITDA)		 4.51 3.62 5.63 0.30 0.00 0.00 0.00 0.00 3.68 3.47 6.05
Enterprise Value to EBIT (EV/EBIT)		 4.95 4.08 6.63 0.40 0.00 0.00 0.00 0.00 4.71 4.32 7.52
Enterprise Value to NOPAT (EV/NOPAT)		 6.11 5.04 8.04 0.47 0.00 0.00 0.00 0.00 5.76 5.33 9.40
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.13 4.14 7.08 0.36 1.99 1.82 8.76 9.52 6.08 4.61 6.88
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.58 2.27 49.87 0.00 8.65 6.22 25.17 21.58 11.09 6.57 9.31
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.33 0.32 0.32 0.35 0.34 0.33 0.32 0.32 0.33 0.33
Long-Term Debt to Equity		 0.33 0.33 0.32 0.32 0.35 0.34 0.33 0.32 0.32 0.33 0.33
Financial Leverage		 0.58 0.44 0.33 0.33 0.34 0.33 0.33 0.32 0.34 0.33 0.33
Leverage Ratio		 9.44 9.64 9.29 9.65 9.93 9.92 9.60 9.79 10.41 10.47 10.18
Compound Leverage Factor		 9.44 9.64 9.29 9.65 9.93 9.92 9.60 9.79 10.41 10.47 10.18
Debt to Total Capital		 24.69% 24.59% 24.48% 24.40% 25.99% 25.60% 25.02% 24.23% 24.24% 24.57% 24.64%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 24.69% 24.59% 24.48% 24.40% 25.99% 25.60% 25.02% 24.23% 24.24% 24.57% 24.64%
Preferred Equity to Total Capital		 9.27% 9.21% 9.16% 9.12% 9.70% 9.68% 9.58% 9.46% 9.45% 9.57% 9.58%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 66.04% 66.20% 66.36% 66.49% 64.31% 64.72% 65.40% 66.31% 66.31% 65.86% 65.78%
Debt to EBITDA		 2.02 2.41 2.93 4.17 -8.23 -7.57 -11.01 -70.76 2.86 2.64 2.60
Net Debt to EBITDA		 -1.16 -1.72 -0.75 -9.11 15.18 13.70 9.59 58.21 -3.80 -3.70 -1.45
Long-Term Debt to EBITDA		 2.02 2.41 2.93 4.17 -8.23 -7.57 -11.01 -70.76 2.86 2.64 2.60
Debt to NOPAT		 2.73 3.35 4.18 6.43 -7.50 -6.91 -8.41 -14.69 4.48 4.06 4.04
Net Debt to NOPAT		 -1.58 -2.39 -1.07 -14.04 13.84 12.51 7.32 12.09 -5.95 -5.68 -2.26
Long-Term Debt to NOPAT		 2.73 3.35 4.18 6.43 -7.50 -6.91 -8.41 -14.69 4.48 4.06 4.04
Noncontrolling Interest Sharing Ratio		 12.99% 12.74% 12.53% 12.40% 12.70% 12.60% 12.44% 12.27% 12.78% 12.84% 12.74%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 82 30 -12 -12 -1.57 17 17 15 -3.44 0.84 4.84
Operating Cash Flow to CapEx		 412.47% 233.83% 74.40% 246.55% 845.43% 2,638.18% 31.24% 5,426.21% 4,664.54% 6,537.62% 5,151.04%
Free Cash Flow to Firm to Interest Expense		 5.19 1.77 -0.67 -0.68 -0.08 1.01 1.13 1.00 -0.23 0.06 0.35
Operating Cash Flow to Interest Expense		 0.34 0.22 0.07 0.25 0.29 0.09 0.08 0.36 0.45 0.48 0.36
Operating Cash Flow Less CapEx to Interest Expense		 0.26 0.12 -0.02 0.15 0.26 0.08 -0.17 0.36 0.44 0.47 0.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 5.59 5.20 5.01 4.83 4.83 4.93 5.19 5.40 5.47 5.60 5.52
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 294 296 298 299 281 282 285 288 289 285 285
Invested Capital Turnover		 0.24 0.24 0.24 0.23 0.23 0.23 0.24 0.25 0.26 0.26 0.26
Increase / (Decrease) in Invested Capital		 -76 -26 15 13 -13 -14 -13 -11 7.50 3.26 -0.17
Enterprise Value (EV)		 162 110 140 5.29 29 23 110 130 90 92 163
Market Capitalization		 177 134 131 137 137 126 145 161 156 163 175
Book Value per Share		 $25.81 $25.72 $25.92 $26.15 $23.77 $23.67 $24.17 $24.80 $24.83 $25.48 $26.30
Tangible Book Value per Share		 $23.86 $23.66 $23.66 $23.66 $23.77 $23.67 $24.17 $24.80 $24.83 $25.48 $26.30
Total Capital		 294 296 298 299 281 282 285 288 289 285 285
Total Debt		 73 73 73 73 73 72 71 70 70 70 70
Total Long-Term Debt		 73 73 73 73 73 72 71 70 70 70 70
Net Debt		 -42 -52 -19 -159 -135 -131 -62 -57 -93 -98 -39
Capital Expenditures (CapEx)		 1.29 1.56 1.58 1.81 0.65 0.06 3.82 0.10 0.14 0.10 0.10
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 1.47 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 73 73 73 73 73 72 71 70 70 70 70
Total Depreciation and Amortization (D&A)		 0.92 0.97 1.11 1.13 1.83 1.32 1.36 1.30 1.36 1.19 1.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.62 $0.36 $0.27 ($0.04) ($2.19) $0.25 $0.53 $0.52 $0.46 $0.48 $0.58
Adjusted Weighted Average Basic Shares Outstanding		 7.61M 7.62M 7.60M 7.60M 7.73M 7.70M 7.71M 7.71M 7.37M 7.12M 7.12M
Adjusted Diluted Earnings per Share		 $0.62 $0.36 $0.27 ($0.04) ($2.19) $0.25 $0.53 $0.52 $0.46 $0.48 $0.58
Adjusted Weighted Average Diluted Shares Outstanding		 7.61M 7.62M 7.60M 7.60M 7.73M 7.70M 7.71M 7.71M 7.37M 7.12M 7.12M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.61M 7.62M 7.60M 7.60M 7.73M 7.70M 7.71M 7.71M 7.37M 7.12M 7.12M
Normalized Net Operating Profit after Tax (NOPAT)		 5.15 3.31 2.62 0.07 -15 2.45 4.59 4.52 4.05 4.10 4.67
Normalized NOPAT Margin		 28.21% 20.13% 16.03% 0.42% -85.58% 14.06% 23.12% 24.79% 22.46% 22.90% 24.41%
Pre Tax Income Margin		 34.36% 25.18% 17.49% 0.60% -122.25% 17.97% 28.48% 29.70% 27.10% 29.93% 31.50%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.40 0.25 0.16 0.01 -1.12 0.19 0.36 0.35 0.33 0.39 0.43
NOPAT to Interest Expense		 0.33 0.20 0.15 0.01 -0.78 0.15 0.30 0.29 0.28 0.30 0.34
EBIT Less CapEx to Interest Expense		 0.32 0.15 0.07 -0.09 -1.15 0.19 0.12 0.35 0.32 0.38 0.43
NOPAT Less CapEx to Interest Expense		 0.25 0.10 0.06 -0.08 -0.82 0.15 0.05 0.29 0.27 0.29 0.33
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.44% 23.82% 29.80% 45.83% -52.12% -47.98% -58.76% -113.19% 33.34% 30.16% 29.68%
Augmented Payout Ratio		 19.60% 25.95% 33.93% 52.17% -59.46% -54.99% -63.94% -123.16% 61.12% 87.92% 115.94%

Financials Breakdown Chart

Key Financial Trends

MainStreet Bancshares, Inc. (NASDAQ:MNSB) continued its recovery in the second quarter of 2026. Net income rose to $4.7 million, compared with $4.1 million in the first quarter and $4.6 million in the year-ago quarter. Earnings attributable to common shareholders increased to $4.1 million, while diluted EPS improved to $0.58 from $0.48 in Q1 2026 and $0.53 in Q2 2025.

The broader earnings trend is favorable compared with the losses recorded in late 2024. Quarterly net income has generally remained between $4.0 million and $4.7 million since Q3 2025, following a $16.2 million loss in Q4 2024. Net interest income also improved sequentially to $18.2 million from $17.5 million, although it remained below the $18.8 million reported in Q2 2025.

  • Profitability has recovered: Q2 2026 net income increased approximately 14% sequentially and 2% year over year, while EPS reached its highest level in the provided 2025-2026 period.
  • Operating expenses declined substantially: Non-interest expense fell to $12.5 million from $14.7 million in Q2 2025, helping pretax income rise to $6.0 million despite lower revenue.
  • Deposit funding continues to expand: Total deposits reached approximately $1.94 billion at June 30, 2026, up from $1.80 billion a year earlier and $1.92 billion at the end of Q1.
  • The balance sheet has grown: Total assets increased to $2.24 billion from $2.09 billion in Q2 2025, while the company maintained a large liquidity position in cash, federal funds sold and securities.
  • Accumulated comprehensive losses improved: Accumulated other comprehensive loss narrowed to $5.5 million from $8.0 million in Q2 2024, reducing pressure on reported common equity from investment-market changes.
  • Net interest income is improving sequentially but remains below last year: Q2 NII increased 4% from Q1 2026 but declined about 3% year over year. Deposit interest expense remained elevated at $12.9 million, indicating continued pressure from funding costs.
  • Credit-loss provisioning has normalized from prior releases: MNSB recorded a $585,000 provision in Q2 2026, compared with a $543,000 benefit in Q2 2025 and a $3.4 million provision in Q4 2024. This suggests a more cautious credit posture, but also creates a headwind to near-term earnings.
  • Quarterly cash flow was negative: Cash and equivalents declined by $58.8 million in Q2, primarily because investing activities used $77.1 million. Operating cash flow remained positive at $4.9 million, but it did not offset investment-related outflows.
  • Non-interest income weakened: Total non-interest income fell to $894,000 from $1.07 million in Q2 2025, including the absence of investment gains and lower service-charge income.
  • Common equity remains below year-ago levels: Total common equity was $187.2 million at June 30, 2026, down from $197.5 million two years earlier. Common-stock repurchases and shareholder distributions have supported per-share results but also reduce capital available for growth.

Overall, MNSB’s statements show improving earnings quality and stronger deposit growth, supported by lower operating costs and a recovery from the 2024 loss. However, investors should monitor funding costs, credit-loss provisions, capital levels and the unusually large investing cash outflows. The reported loan balance is shown as zero in the standardized data, so the balance-sheet trends should be interpreted alongside the company’s regulatory and filing disclosures.

10/10/26 04:47 PM ETAI Generated. May Contain Errors.

MainStreet Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, MainStreet Bancshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

MainStreet Bancshares' net income appears to be on a downward trend, with a most recent value of $15.61 million in 2025, rising from $9.21 million in 2018. The previous period was -$9.98 million in 2024.

Over the last 7 years, MainStreet Bancshares' total revenue changed from $34.41 million in 2018 to $73.57 million in 2025, a change of 113.8%.

In the past 11 quarters, MainStreet Bancshares' cash and equivalents has ranged from $18.39 million in Q1 2025 to $49.21 million in Q1 2024, and is currently $30.13 million as of their latest financial filing in Q2 2026.

MainStreet Bancshares had total debt of $69.94 million at the end of 2025, a 4.2% decrease from 2024, and a 27.7% increase since 2018.

Over the last 7 years, MainStreet Bancshares' book value per share changed from 0.00 in 2018 to 24.83 in 2025, a change of 2,483.0%.


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Financial statements for NASDAQ:MNSBP last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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