MNSB

MKT CAP:$176M

MainStreet Bancshares, Inc.

Market Cap

$176M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$23.80+$3.94 (+19.81%)

Apr 22, 2026

Company Details

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company ...

CEO

Jeff W. Dick

IPO Date

Sep 6, 2005

Website

www.mstreetbank.com

Key Metrics TTM

Revenue

$133M

-3.8% YoY

Net Income

$17M

EPS (Diluted)

$1.99

Free Cash Flow

$11M

Revenue / Share

$17.80

Gross Margin

55.6%

Operating Margin

16.0%

Net Margin

13.0%

FCF Margin

8.0%

P/S

1.3x

P/E

10.2x

Earnings Reports

Q1 2026

Apr 20, 2026

NEW

$32M-6.7%EPS $0.48

FY 2025

Mar 13, 2026

$136M-1.4%EPS $1.76

Q4 2025

Mar 13, 2026

$33M-8.8%EPS $0.46

Q3 2025

Nov 7, 2025

$33M-3.0%EPS $0.52

Q2 2025

Aug 8, 2025

$35M+3.4%EPS $0.53

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$20M	$17M	$7M
Q3 22	$23M	$19M	$10M
Q4 22	$27M	$21M	$10M
Q1 23	$30M	$22M	$10M
Q2 23	$32M	$19M	$9M
Q3 23	$33M	$19M	$8M
Q4 23	$34M	$17M	$6M
Q1 24	$33M	$17M	$4M
Q2 24	$34M	$16M	$3M
Q3 24	$34M	$13M	$97.0K
Q4 24	$36M	$13M	-$21M
Q1 25	$34M	$17M	$3M
Q2 25	$35M	$20M	$6M
Q3 25	$33M	$18M	$5M
Q4 25	$33M	$18M	$5M
Q1 26	$32M	$18M	$5M

Valuation

Quarter	P/S	P/E
Q2 22	2.3x	8.2x
Q3 22	2.1x	7.2x
Q4 22	2.3x	7.6x
Q1 23	1.8x	6.1x
Q2 23	1.5x	5.6x
Q3 23	1.3x	5.3x
Q4 23	1.4x	6.9x
Q1 24	1.0x	6.3x
Q2 24	1.0x	7.3x
Q3 24	1.0x	12.4x
Q4 24	1.0x	—
Q1 25	0.9x	—
Q2 25	1.0x	—
Q3 25	1.2x	—
Q4 25	1.2x	10.0x
Q1 26	1.3x	9.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$7M	$6M
Q2 22	$7M	$5M
Q3 22	$9M	$7M
Q4 22	$11M	$8M
Q1 23	$9M	$7M
Q2 23	$8M	$6M
Q3 23	$10M	$8M
Q4 23	$5M	$4M
Q1 24	$4M	$2M
Q2 24	$1M	-$442.0K
Q3 24	$4M	$3M
Q4 24	$5M	$5M
Q1 25	$1M	$1M
Q2 25	$1M	-$3M
Q3 25	$6M	$5M
Q4 25	$7M	$6M

Capital Expenditures

Quarter	CapEx
Q1 22	$2M
Q2 22	$1M
Q3 22	$2M
Q4 22	$2M
Q1 23	$2M
Q2 23	$2M
Q3 23	$1M
Q4 23	$1M
Q1 24	$2M
Q2 24	$2M
Q3 24	$2M
Q4 24	$695.0K
Q1 25	$55.0K
Q2 25	$4M
Q3 25	$138.0K
Q4 25	$159.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+15.2%	+46.0%
Q3 22	+34.7%	+21.0%
Q4 22	+50.5%	+49.8%
Q1 23	+60.2%	+64.0%
Q2 23	+57.0%	+81.0%
Q3 23	+40.4%	+80.9%
Q4 23	+26.5%	+62.8%
Q1 24	+12.2%	+49.1%
Q2 24	+8.5%	+36.7%
Q3 24	+5.6%	+38.6%
Q4 24	+5.9%	+105.7%
Q1 25	+1.9%	+5.6%
Q2 25	+3.4%	-5.3%
Q3 25	-3.0%	-18.5%
Q4 25	-8.8%	-51.0%
Q1 26	-6.7%	-14.6%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$570.0K	3.1%
Q2 22	$564.0K	2.8%
Q3 22	$609.0K	2.6%
Q4 22	$776.0K	2.9%
Q1 23	$663.0K	2.2%
Q2 23	$590.0K	1.9%
Q3 23	$650.0K	2.0%
Q4 23	$588.0K	1.7%
Q1 24	$690.0K	2.1%
Q2 24	$690.0K	2.0%
Q3 24	$702.0K	2.0%
Q4 24	$756.0K	2.1%
Q1 25	$579.0K	1.7%
Q2 25	$664.0K	1.9%
Q3 25	$642.0K	1.9%
Q4 25	$701.0K	2.1%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$6M	$574.0K
Q3 22	$6M	$704.0K
Q4 22	$8M	$620.0K
Q1 23	$8M	$797.0K
Q2 23	$7M	$698.0K
Q3 23	$7M	$577.0K
Q4 23	$8M	$271.0K
Q1 24	$8M	$454.0K
Q2 24	$8M	$566.0K
Q3 24	$7M	$579.0K
Q4 24	$10M	$600.0K
Q1 25	$9M	$481.0K
Q2 25	$9M	$530.0K
Q3 25	$8M	$571.0K
Q4 25	$9M	—
Q1 26	$9M	$296.0K

Revenue Segments

Quarter	Core Banking Segment
Q1 25	$33M
Q2 25	$35M

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$56M	$143M	$199M
Q3 22	$51M	$162M	$213M
Q4 22	$49M	$63M	$112M
Q1 23	$225M	$63M	$289M
Q2 23	$68M	$61M	$128M
Q3 23	$45M	$57M	$102M
Q4 23	$54M	$60M	$114M
Q1 24	$49M	$59M	$108M
Q2 24	$42M	$58M	$99M
Q3 24	$41M	$58M	$99M
Q4 24	$48M	$1M	$49M
Q1 25	$178M	$56M	$234M
Q2 25	$107M	$998.0K	$108M
Q3 25	$25M	$1M	$27M
Q4 25	$26M	$399.0K	$27M
Q1 26	$168M	$78M	$246M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	8M	-0.9%	+0.4%
Q3 22	7M	-1.5%	-1.4%
Q4 22	7M	-0.4%	-2.1%
Q1 23	8M	+1.1%	-1.7%
Q2 23	8M	+0.1%	-0.7%
Q3 23	8M	+0.0%	+0.8%
Q4 23	8M	+0.0%	+1.3%
Q1 24	8M	+1.1%	+1.3%
Q2 24	8M	-0.0%	+1.1%
Q3 24	8M	-0.1%	+1.0%
Q4 24	8M	+0.0%	+1.0%
Q1 25	8M	+0.4%	+0.3%
Q2 25	8M	+0.9%	+1.3%
Q3 25	8M	-0.0%	+1.4%
Q4 25	8M	-1.8%	-0.5%
Q1 26	7M	-1.1%	-2.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$145.5K	138
Q3 22	$168.6K	138
Q4 22	$159.7K	168
Q1 23	$176.5K	168
Q2 23	$187.6K	168
Q3 23	$194.4K	168
Q4 23	$182.5K	186
Q1 24	$178.8K	186
Q2 24	$183.9K	186
Q3 24	$185.4K	186
Q4 24	$176.1K	204
Q1 25	$166.2K	204
Q2 25	$173.3K	204
Q3 25	$163.9K	204
Q4 25	$191.7K	171
Q1 26	$184.9K	171

Revenue / Employee