MainStreet Bancshares, Inc. (MNSB) Stock

MainStreet Bancshares, Inc. (MNSB) is a Financials stock trading at $24.98 (as of 2026-08-21), with a market capitalization of $177.79M and a trailing P/E of 10.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

MainStreet Bancshares, Inc. is the holding company for MainStreet Bank, offering deposit products, cash-management services, and consumer and commercial lending. Services are provided to individuals, small to mid-sized businesses, and professional service organizations through deposit accounts, online and mobile banking, remote deposit and bill pay, and loan products including commercial, real estate, and consumer loans.

Understand MainStreet Bancshares, Inc.: how it makes money

MainStreet Bancshares operates a community bank that provides deposit accounts, cash management services, and commercial loans to individuals, small to medium-sized businesses, and professional service organizations. It makes money by growing its loan book and by using deposit funding (including core deposits and non-core deposits) to support those loans.

MainStreet’s profit model is structurally driven by the loan book and how much of its funding comes from core deposits versus non-core deposits available to reprice, since that deposit mix influences funding cost pressure as rates move.

Business quality (Solid): The provided data includes useful operating KPIs for loans, deposits, and credit quality, but there is no reportable segment revenue breakdown in the supplied facts.

Valuation: At 12× earnings, MNSB trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • More stable funding mix: Core Deposit Ratio is 74%, and the company reports Reduced Reliance on Non-Core Deposits of 19.0%.
  • Credit performance tracking is provided: Nonperforming Loan Ending Balance is 0.03 USD_B, and nonperforming loan additions are also shown (0.03 USD_B).

Bear case

  • Commercial real estate concentration risk: Commercial Real Estate Concentration is 366.0% of capital, and Non-Owner-Occupied Commercial Real Estate Loans are 31.0% of the loan portfolio.
  • Charge-offs appear elevated: Loan Charge Offs (Percent of Gross Loans) is 8.1%.
  • Funding coverage looks tight by the reported metric: Loan-to-Deposit Ratio is 98%, meaning loans are close to deposits based on the reported measures.
Valuation — source: SEC EDGAR (first-party)
Price$24.98
Market Cap$177.79M
P/E Ratio10.3
EV / EBITDA8.0
Price / Book0.83
Price / Sales1.74
FCF Yield8.9%
DCF Value (model)$31.96
DCF Upside vs Price27.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$135.62M
Net Margin11.5%
Revenue Growth (YoY)-98.3%
EPS Growth (YoY)92.0%
FCF Growth (YoY)365.8%
Valuation vs Sector & Industry
Stock P/E10.3
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-31.8%
vs Industry-20.6%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBANC FUNDS CO LLC ($11.79M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJeff W. Dick
Employees182
CountryUS
IPO Date2005-09-06

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Ohio Valley Banc Corp. (OVBC)
  • BayFirst Financial Corp. (BAFN)
  • FinWise Bancorp (FINW)
  • Hanover Bancorp, Inc. (HNVR)
  • CB Financial Services, Inc. (CBFV)
  • Eagle Bancorp Montana, Inc. (EBMT)
  • SB Financial Group, Inc. (SBFG)
  • Richmond Mutual Bancorporation, Inc. (RMBI)
MNSB earnings history · MNSB institutional & insider holders · MNSB KPIs & operating metrics · MNSB financials · MNSB investor presentations & press releases · MNSB SEC filings · MNSB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.