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    M

    MainStreet Bancshares Inc (MNSBP)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $24.35
    -0.17 (-0.69%)

    Last updated: Oct 15, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    43%(3/7)
    Avg Surprise
    -16.03%
    PeriodReportedEst.SurpriseB/MYoY
    Mar 26
    Reported Apr 20
    		$N/AN/AN/ABeat-
    Dec 25
    Reported Jan 26
    		$0.46N/AN/ABeat+7.0%
    Sep 25
    Reported Oct 27
    		$0.52$0.00N/ABeat+15.6%
    Jun 20
    Reported Jul 29
    		$-0.08N/A-119.05%Miss-120.5%
    Mar 20
    Reported Apr 14
    		$0.42$0.44-4.55%Miss+20.0%
    Dec 19
    Reported Jan 21
    		$0.43$0.44-2.27%Miss+65.4%
    Sep 19
    Reported Oct 16
    		$0.45$0.40+12.50%Beat-
    Mar 19
    Reported Apr 23
    		$0.39$0.37+5.41%Beat-
    Sep 18
    Reported Oct 26
    		$0.35$0.33+6.06%Beat-
    Jun 18
    Reported Jul 20
    		$0.26$0.29-10.34%Miss-

    Dividends

    Dividend Metrics

    Forward Yield7.70%
    Forward Annual Dividend$1.88
    Payout Ratio79.28%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+8.79%
    MNSBP dividend history and ex-dividend datesRun MNSBP in the free DRIP calculator

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDA8.61x
    Price/FCF7.69xFCF Yield13.01%
    Profitability
    Profit Margin24.00%Operating Margin35.20%
    ROE8.10%ROIC5.99%
    Financial Health
    Debt/Equity0.33xInterest Coverage0.37x
    Current Ratio0.02xQuick Ratio0.02x
    Trading Statistics
    Beta0.56Avg Volume1.54K
    52-Week High$27.2252-Week Low$21.78

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$24.60
    SMA 20$24.71
    SMA 50$24.96
    SMA 200$24.44
    EMA 10$24.55
    EMA 20$24.67
    EMA 50$24.79
    EMA 200$24.36

    MACD

    Line: -0.14Signal: -0.12Hist: -0.03

    ADX

    ADX: 27.6+DI: 14.3-DI: 39.1

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down56.0
    PSAR$24.82

    Bollinger Bands

    Upper Band$25.25
    Lower Band$24.16
    %B Position441%(Upper)
    Band Width0.17

    RSI (14-Day)

    Neutral
    40.2

    Momentum Oscillators

    Stoch %K41.1
    Stoch %D41.9
    Williams %R-72.1
    ROC (10d)-2.3%
    Momentum-0.58
    CCI (20d)-128.2
    MFI (14d)25.4

    Volatility Measures

    ATR (14d)$0.30(1.2%)
    StdDev (20d)0.27
    Hist Vol16.7%(Low)

    Volume Flow

    VWAP$24.27
    OBV51.6K
    AD Line-337291952782.6B
    CMF (20d)0.270

    Volume Metrics

    Avg Vol (20d)1.7K
    Vol Ratio7.7x(High)
    VWMA (20d)$24.57

    Pivot Points

    R3$24.52
    R2$24.52
    R1$24.52
    Pivot Point$24.52
    S1$24.52
    S2$24.52
    S3$24.52

    Advanced Oscillators

    TSI-12.58
    Ultimate Osc47.6
    KST-19.53

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$32.98M$31.63M$32.77M$33.44M$35.35M$33.90M$35.92M$34.48M$34.20M$33.27M$33.94M$32.66M
    Cost of Revenue$14.44M$13.59M$15.06M$15.51M$14.95M$16.45M$22.48M$21.16M$18.68M$16.65M$16.54M$13.25M
    Gross Profit$18.54M$18.03M$17.71M$17.93M$20.40M$17.45M$13.44M$13.32M$15.52M$16.62M$17.40M$19.41M
    Operating Expenses$12.38M$12.67M$12.82M$12.52M$14.74M$14.31M$34.43M$13.22M$12.67M$12.48M$11.13M$11.55M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$9.00M$8.91M$8.16M$8.19M$9.40M$8.97M$9.84M$7.46M$7.71M$8.06M$8.48M$7.20M
    Operating Income$6.16M$5.36M$4.89M$5.41M$5.65M$3.13M$-20,991,000$97,000$2.86M$4.13M$6.27M$7.86M
    Interest Income$32.09M$31.22M$31.88M$32.46M$34.29M$32.96M$35.12M$33.59M$33.33M$32.37M$33.08M$31.69M
    Interest Expense$13.86M$13.72M$14.73M$15.36M$15.50M$16.45M$19.08M$18.25M$18.04M$16.84M$16.07M$12.99M
    Income Before Tax$6.03M$5.36M$4.89M$5.41M$5.65M$3.13M$-20,991,000$97,000$2.86M$4.13M$6.27M$7.86M
    Income Tax Expense$1.36M$1.26M$836,000$896,000$1.06M$682,000$-4,824,000$-168,000$238,000$830,000$1.12M$1.52M
    Net Income$4.67M$4.10M$4.05M$4.52M$4.59M$2.45M$-16,167,000$265,000$2.62M$3.31M$5.15M$6.34M
    EBITDA$6.16M$6.45M$6.15M$6.61M$6.92M$4.35M$-19,264,000$1.12M$3.86M$5.01M$7.09M$8.50M
    EBITN/A$5.36M$4.89M$5.41M$5.65M$3.13M$-20,991,000$97,000$2.86M$4.13M$6.27M$7.86M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

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    Yahoo Finance UK•10/8/26•Neutral

    Form 4 MainStreet Bancshares, Inc For: 2 October By Investing.com

    This article reports on the filing of Form 4 by MainStreet Bancshares, Inc. on October 2, 2026. Form 4 is a document filed with the U.S. Securities and Exchange Commission (SEC) by company insiders to report transactions...

    Investing.com Canada•10/2/26•Neutral

    MainStreet Bancshares Inc (5L0) Q3 2023 Earnings Report - Results, Call & Slides

    MainStreet Bancshares Inc (5L0) reported its Q3 2023 earnings, meeting EPS expectations at €0.67 while significantly beating revenue forecasts with €28.31M against an expected €17.17M. This represents a substantial...

    TipRanks•9/18/26•Somewhat-Bullish

    MainStreet Bancshares Inc (5L0) Q2 2026 Earnings Report - Results, Call & Slides

    MainStreet Bancshares Inc (5L0) reported Q2 2026 earnings, beating consensus EPS with €0.50 against an expected €0.46...

    TipRanks•9/17/26•Neutral

    MAINSTREET BANCSHARES INC 7.50% DEP SHS REP NON CUM PFD SER A To Go Ex-Dividend On September 15th, 2026 With 0.46875 USD Dividend Per Share

    MainStreet Bancshares Inc. (MSBCA) is scheduled to go ex-dividend on September 15th, 2026. Shareholders will receive a dividend of 0.46875 USD per depositary share for its 7.50% Non-Cumulative Preferred Stock, Series A.

    Moomoo•9/14/26•Bullish

    MNSBP Valuation and Fair Value

    EV/EBITDA
    8.6x
    P/FCF
    7.7x
    P/B
    0.8x
    See GNG's fair value

    MNSBP Profitability: Margins, ROIC and FCF

    Gross margin
    55.2%
    Operating margin
    35.2%
    Net margin
    24.0%
    ROIC
    6.0%
    ROE
    8.1%
    FCF margin
    17.7%
    FCF yield
    13.0%

    MNSBP Competitors

    CompanyTicker
    X Financial Class AXYF
    GP-Act III Acquisition Corp. Class A Ordinary ShareGPAT
    Finward BancorpFNWD
    Hanover Bancorp IncHNVR
    Triplepoint Venture Growth BDC CorpTPVG
    GIGGIG
    Neostellar Capital Corp.NSLR
    James River Group Holdings LtdJRVR

    Sector: Financial Services

    MNSBP Bull Case vs Bear Case

    Bull case

    • MNSBP converts 17.7% of revenue into free cash flow.
    • MNSBP has a 24.0% net profit margin.

    Bear case

    • MNSBP's quarterly revenue changed -8.8% year over year.

    MNSBP Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    -16.0%

    MNSBP Dividend

    Forward yield
    7.7%
    Payout ratio
    79.3%
    3Y DPS growth
    8.8%
    Pay months
    Mar, Jun, Sep, Dec
    MNSBP dividend history

    Frequently Asked Questions About MNSBP

    What is MNSBP's current dividend yield?

    MainStreet Bancshares Inc (MNSBP) has a forward dividend yield of 7.70%.

    Does MNSBP pay dividends?

    Yes, MainStreet Bancshares Inc pays dividends with a forward dividend yield of 7.70%.

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