MainStreet Bancshares, Inc.

MNSB

MainStreet Bancshares, Inc.

MNSB

Insider Sentiment (TTM):

Last Purchase:2025-12-31Last Sale:2026-06-04Shares Purchased (TTM):427Shares Sold (TTM):44,036

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:4,083,887Shares Outstanding:7,484,310Institutional Ownership Pct.:54.57%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	30	33	25	24	21	18	48	41	42	49	54	45
Interest Bearing Deposits In Banks	1	1	1	1	86	160	2	-	-	-	-	-
Federal Funds Sold	78	134	136	102	27	25	160	191	50	76	61	76
Cash Cash Equivalents And Federal Funds Sold	109	168	163	127	133	203	208	232	91	125	115	121
Debt Securities Available For Sale Excluding Accru…	-	-	58	-	-	-	56	-	-	-	60	-
Debt Securities Held To Maturity Excluding Accrued…	-	-	14	-	-	-	16	-	-	-	17	-
Available For Sale Securities Debt Securities	57	57	-	58	56	56	56	58	58	59	60	57
Debt Securities Held To Maturity Amortized Cost Af…	14	14	-	14	15	16	16	16	16	17	17	18
Restricted Investments	7	7	7	7	7	34	31	27	27	24	24	21
Assets
Assets	2,243	2,223	2,213	2,125	2,115	2,223	2,228	2,225	2,094	2,070	2,035	2,021
Financing Receivable Excluding Accrued Interest Af…	-	-	1,842	-	-	-	1,811	-	-	-	1,705	-
Notes Receivable Net	1,928	1,851	-	1,788	1,767	1,812	1,811	1,776	1,779	1,727	1,705	1,681
Property Plant And Equipment Net	13	13	14	13	13	13	13	14	14	14	14	14
Capitalized Computer Software Net	-	-	-	-	-	-	0	19	17	16	15	13
Assets Held For Sale Not Part Of Disposal Group	3	3	3	3	3	-	0	-	-	-	-	-
Other Real Estate	1	1	2	-	-	-	0	-	-	-	-	-
Bank Owned Life Insurance	41	41	41	40	40	40	40	39	39	39	38	38
Other Assets	55	55	56	59	64	41	43	33	41	39	35	47
Noninterest Bearing Deposit Liabilities	364	359	379	325	330	345	324	348	315	349	365	395
Interest Bearing Deposit Liabilities	114	121	119	123	124	106	140	198	180	165	137	76
Deposits Money Market Deposits	543	546	499	459	464	512	560	452	476	447	442	461
Time Deposits	769	750	780	779	764	821	819	835	724	726	696	704
Liabilities
Federal Funds Purchased	-	-	0	-	-	-	0	0	0	0	15	-
Liabilities	2,029	2,008	1,994	1,906	1,901	2,013	2,020	1,999	1,869	1,847	1,814	1,808
Deposits	1,934	1,915	1,899	1,811	1,799	1,908	1,908	1,894	1,755	1,733	1,686	1,683
Subordinated Debt	70	70	70	70	71	72	73	73	73	73	73	73
Federal Home Loan Bank Advances Long Term	-	-	-	-	-	-	-	-	-	-	0	0
Off Balance Sheet Credit Loss Liability	1	0	0	0	0	0	0	0	0	1	1	2
Other Liabilities	24	23	25	25	31	32	39	32	40	41	39	50
Preferred Stock Value	27	27	27	27	27	27	27	27	27	27	27	27
Common Stock Value	27	28	29	30	30	30	29	29	29	30	29	29
Stockholders Equity
Additional Paid In Capital	57	61	67	69	68	68	68	67	66	66	66	65
Stockholders Equity	214	215	219	218	213	210	208	226	225	223	222	214
Retained Earnings Accumulated Deficit	108	104	102	99	96	92	91	109	110	108	107	103
Accumulated Other Comprehensive Income Loss Net Of…	-6	-6	-6	-6	-7	-7	-8	-6	-8	-8	-7	-11
Liabilities And Stockholders Equity	2,243	2,223	2,213	2,125	2,115	2,223	2,228	2,225	2,094	2,070	2,035	2,021
Debt Securities Held To Maturity Allowance For Cre…	-	-	0	-	-	-	0	-	-	-	0	-
Financing Receivable Allowance For Credit Loss Exc…	-	-	19	-	-	-	19	-	-	-	17	-
Debt Securities Held To Maturity Allowance For Cre…	0	0	-	0	0	0	0	0	0	0	0	0
Financing Receivable Allowance For Credit Losses	-	19	-	19	19	19	19	18	17	17	17	16
Preferred Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Authorized	2	2	2	2	2	2	2	2	2	2	2	2
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	4	4	4	4	4	4	4	4	4	4	4	4
Common Stock Shares Authorized	15	15	15	15	15	15	15	10	10	10	15	10
Shares Outstanding	7	7	7	8	8	8	8	8	8	8	8	8
Common Stock Shares Issued	7	7	7	8	8	8	8	8	8	8	8	8

Subscribe to unlock 17+ years of financial data, unlimited metrics, and saved tables

Start 7-day free trial

Subscribe to unlock 17+ years of data, unlimited metrics, and saved tables

Start free trial

Custom Table

10‑Q10‑K

0/5

Search a metric to start building a table

Subscribe to unlock 17+ years of financial data, unlimited metrics, transformations, and saved visuals

Start 7-day free trial

Subscribe to unlock 17+ years of data, unlimited metrics, transformations, and saved visuals

Start free trial

Interactive Financial Visualizations

10‑Q10‑K

Stock Price:

OnOff

Transformations:

0/1

Search a metric to start building a visual

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-2.60%	6.81%	-0.21%	-	-	-	-	-	-	-	-	-
2025	-0.73%	-0.79%	11.08%	11.91%	3.90%	-4.15%	8.16%	16.59%	13.82%	5.00%	11.49%	7.36%
2024	-1.20%	-0.96%	-2.40%	2.23%	9.87%	3.91%	8.50%	-1.13%	-5.89%	-4.44%	14.54%	11.04%
2023	-	-	-	-4.89%	-14.13%	-20.03%	9.63%	13.34%	-7.98%	-7.79%	-7.86%	-8.97%
Earnings Market Reaction data beyond 3 years is for subscribers only. Unlock the full earnings market reaction history Start 7-day free trial

Subscribe to unlock 17+ years of financial data and 90+ calculated metrics

Start 7-day free trial

Subscribe to unlock 17+ years of data and 90+ calculated metrics

Start free trial

Performance and Valuation Metrics

Rows marked with a lock icon are subscribers only — subscribe to unlock 90+ calculated metrics and 17+ years of history.

Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.71	-0.72	-0.76	-1.11	-1.19	-1.24	-0.69	0.23	0.81	1.43	1.64	1.96
Per Share Metrics
Free Cash Flow Per Share TTM	2.52	2.10	1.39	1.07	0.92	1.60	1.82	1.81	2.48	3.35	4.14	4.78
Dividend Per Share TTM	0.43	0.41	0.40	0.30	0.30	0.40	0.40	0.40	0.40	0.40	0.40	0.40
Margin Metrics
Gross Profit Margin TTM	-2,473.67%	-2,563.40%	-2,740.80%	-3,053.87%	-3,190.97%	-3,383.23%	-3,509.27%	-3,661.75%	-3,478.37%	-3,081.61%	-2,470.17%	-1,551.51%
Operating Profit Margin TTM	967.65%	957.07%	874.13%	-322.57%	-575.11%	-724.55%	-696.59%	659.23%	1,064.85%	1,324.01%	1,527.41%	1,617.16%
Net Profit Margin TTM	701.52%	702.42%	616.16%	-244.51%	-446.51%	-552.80%	-500.00%	506.27%	796.47%	965.63%	1,136.76%	1,265.64%
Growth Metrics
Net Revenue Growth (1Y)	6.46%	8.26%	9.42%	3.90%	6.15%	1.43%	-7.12%	-9.96%	-15.15%	-15.46%	-11.20%	-24.29%
Net Income Growth (1Y)	-267.26%	-237.57%	-234.84%	-150.18%	-159.51%	-158.07%	-140.85%	-63.98%	-47.14%	-33.40%	-8.42%	13.97%
EPS Growth (1Y)	-279.55%	-240.36%	-234.03%	-149.51%	-158.77%	-157.88%	-140.40%	-64.35%	-47.74%	-34.22%	-8.34%	13.05%
Valuation Metrics
P/E TTM	11.22	10.53	11.43	-30.61	-15.13	-10.91	-13.32	13.13	8.15	6.70	7.21	5.10
P/B TTM	0.82	0.77	0.70	0.72	0.67	0.59	0.64	0.60	0.57	0.59	0.80	0.68
P/S TTM	78.74	73.98	70.43	74.85	67.57	60.31	66.62	66.48	64.95	64.67	81.95	64.50
Market Cap	176.45M	164.75M	153.81M	157.56M	142.24M	124.06M	132.96M	134.69M	128.79M	131.15M	176.12M	145.13M
Enterprise Value	146.32M	131.70M	128.63M	133.62M	121.35M	105.67M	85.41M	93.73M	87.10M	81.94M	122.54M	100.22M
Calculated Values
Free Cash Flow TTM	18.10M	15.74M	10.64M	8.24M	7.10M	12.19M	13.83M	13.74M	18.90M	25.47M	31.14M	35.98M
Net Debt	-30.13M	-33.04M	-25.18M	-23.94M	-20.89M	-18.39M	-47.55M	-40.96M	-41.70M	-49.21M	-53.58M	-44.91M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Insider Transactions

2026-06-04Sale

Owner: Vari, Richard Alexander

Title: Chief Financial Officer

Shares: 4,500

Price/Share: $23.20

Value: $104,400.00

Shares Owned: 34,036

Relationship: Officer

Ownership: Direct

2025-12-31Purchase

Owner: Echlov, Russell

Title: -

Shares: 22

Price/Share: $18.93

Value: $416.46

Shares Owned: 5,100

Relationship: Director

Ownership: Direct

2025-12-09Sale

Owner: Chmelik, Thomas J

Title: CFO, MainStreet Bancshares Inc

Shares: 7,238

Price/Share: $20.13

Value: $145,700.94

Shares Owned: 63,761

Relationship: Director,Officer

Ownership: Direct

2025-12-08Sale

Owner: Chmelik, Thomas J

Title: CFO, MainStreet Bancshares Inc

Shares: 23,577

Price/Share: $19.92

Value: $469,653.84

Shares Owned: 70,999

Relationship: Director,Officer

Ownership: Direct

2025-12-03Sale

Owner: Chmelik, Thomas J

Title: CFO, MainStreet Bancshares Inc

Shares: 8,721

Price/Share: $19.86

Value: $173,199.06

Shares Owned: 94,576

Relationship: Director,Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-04	Vari, Richard Alexander	Officer	Chief Financial Officer	Direct	Sale	4,500	23.20	$104,400.00	34,036	4
2025-12-31	Echlov, Russell	Director	-	Direct	Purchase	22	18.93	$416.46	5,100	5
2025-12-09	Chmelik, Thomas J	Director,Officer	CFO, MainStreet Bancshares Inc	Direct	Sale	7,238	20.13	$145,700.94	63,761	4
2025-12-08	Chmelik, Thomas J	Director,Officer	CFO, MainStreet Bancshares Inc	Direct	Sale	23,577	19.92	$469,653.84	70,999	4
2025-12-03	Chmelik, Thomas J	Director,Officer	CFO, MainStreet Bancshares Inc	Direct	Sale	8,721	19.86	$173,199.06	94,576	4
2025-11-24	Brockett, Charles C.	Director	-	Direct	Purchase	123	18.95	$2,330.85	93,051	4
2025-11-24	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	106	18.99	$2,012.94	194,796	4
2025-09-08	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	176	22.15	$3,898.40	194,690	4
2025-05-29	Brockett, Charles C.	Director	-	Direct	Purchase	120	19.12	$2,294.40	92,928	4
2025-02-21	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	118	16.46	$1,942.28	194,514	4
2024-12-12	Rust, Patsy I	Director	-	Direct	Purchase	200	20.63	$4,126.00	23,638	4
2024-12-12	Manouchehri, Ali R	Other	-	Direct	Purchase	5,000	20.69	$103,450.00	6,791	4
2024-12-11	Echlov, Russell	Director	-	Direct	Purchase	150	19.48	$2,922.00	5,060	4
2024-12-11	Echlov, Russell	Director	-	Direct	Purchase	18	19.50	$351.00	5,078	5
2024-12-05	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	103	18.85	$1,941.55	194,396	4
2024-11-25	Brockett, Charles C.	Director	-	Direct	Purchase	300	18.81	$5,643.00	92,808	4
2024-11-21	Baboval, Michael B	Officer	Chief Risk Officer	Direct	Sale	2,892	18.25	$52,779.00	4,392	4
2024-11-21	Brockett, Charles C.	Director	-	Direct	Purchase	190	18.21	$3,459.90	92,508	4
2024-08-29	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	113	16.99	$1,919.87	194,293	4
2024-08-02	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	1,524	16.40	$24,993.60	193,482	4
2024-06-04	Manouchehri, Ali R	Other	-	Direct	Purchase	500	16.31	$8,155.00	858	4
2024-05-13	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	825	16.78	$13,843.50	191,958	4
2024-05-02	Echlov, Russell	Director	-	Direct	Purchase	200	16.02	$3,204.00	4,003	4
2024-04-29	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	1,056	16.10	$17,001.60	191,133	4
2024-04-26	Echlov, Russell	Director	-	Direct	Purchase	200	15.62	$3,124.00	3,803	4
2024-04-24	Brockett, Charles C.	Director	-	Direct	Purchase	710	16.40	$11,644.00	92,318	4
2024-04-24	Vari, Richard Alexander	Officer	Chief Accounting Officer	Direct	Purchase	310	16.05	$4,975.50	15,739	4
2024-03-01	Brockett, Charles C.	Director	-	Indirect	Purchase	19	18.36	$348.84	402	4
2024-02-29	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	675	18.00	$12,150.00	190,077	4
2024-02-21	Brockett, Charles C.	Director	-	Direct	Purchase	625	18.30	$11,437.50	49,651	4
2023-11-27	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	556	21.92	$12,187.52	169,017	4
2023-08-23	Echlov, Russell	Director	-	Direct	Purchase	200	22.30	$4,460.00	3,603	4
2023-08-17	Echlov, Russell	Director	-	Direct	Purchase	250	22.51	$5,627.50	3,403	4
2023-08-16	Echlov, Russell	Director	-	Direct	Purchase	100	22.85	$2,285.00	3,153	4
2023-08-15	Dick, Jeff W	Director,Officer	Chairman, President and CEO	Direct	Purchase	551	23.70	$13,058.70	168,461	4
2023-08-15	Echlov, Russell	Director	-	Direct	Purchase	200	23.51	$4,702.00	2,753	4
2023-08-11	Echlov, Russell	Director	-	Direct	Purchase	7	24.06	$168.42	2,553	4
2023-08-03	Echlov, Russell	Director	-	Direct	Purchase	107	23.70	$2,535.90	4,510	5
2023-08-03	Echlov, Russell	Director	-	Direct	Purchase	100	23.92	$2,392.00	2,546	4
2023-07-31	Echlov, Russell	Director	-	Direct	Purchase	400	23.88	$9,552.00	2,446	4
2023-07-26	Echlov, Russell	Director	-	Direct	Purchase	600	24.48	$14,688.00	2,046	4
Additional insider transactions are for subscribers only. Unlock the complete Form 4 filing history Start 7-day free trial

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Institutional Ownership

No data available for chart

2026-03-31

54.57%

Inst. Shares: 4,083,887

Shares Outstanding: 7,484,310

2025-12-31

60.55%

Inst. Shares: 4,633,455

Shares Outstanding: 7,652,504

2025-09-30

58.29%

Inst. Shares: 4,491,154

Shares Outstanding: 7,704,639

2025-06-30

53.80%

Inst. Shares: 4,144,752

Shares Outstanding: 7,704,677

2025-03-31

47.10%

Inst. Shares: 3,597,016

Shares Outstanding: 7,636,191

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	4,083,887	7,484,310	54.57%
2025-12-31	4,633,455	7,652,504	60.55%
2025-09-30	4,491,154	7,704,639	58.29%
2025-06-30	4,144,752	7,704,677	53.80%
2025-03-31	3,597,016	7,636,191	47.10%
2024-12-31	3,662,326	7,606,391	48.15%
2024-09-30	3,654,353	7,601,925	48.07%
2024-06-30	3,845,849	7,608,389	50.55%
2024-03-31	3,545,410	7,611,990	46.58%
2023-12-31	3,499,334	7,522,913	46.52%
2023-09-30	3,172,753	7,524,332	42.17%
2023-06-30	3,025,834	7,522,764	40.22%
Additional institutional holders are for subscribers only. Unlock the complete Form 13F ownership history Start 7-day free trial

MainStreet Bancshares, Inc. (MNSB) — SEC Financial Statements & Analysis

MainStreet Bancshares, Inc. (MNSB) is a state commercial banks company, incorporated in VA. MainStreet Bancshares, Inc. trades on Nasdaq as: MNSB, MNSBP. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), MainStreet Bancshares, Inc. reported a 6.46% year-over-year revenue growth, a Gross Profit Margin of -2473.67% (TTM), a Price-to-Sales (P/S) ratio of 78.74x (TTM), a Price-to-Book (P/B) ratio of 0.82x (TTM), at a market cap of $176.45M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 6.46%
Gross Profit Margin TTM: -2473.67%
P/S TTM: 78.74x
P/B TTM: 0.82x
Market Cap: $176.45M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is MainStreet Bancshares, Inc. in?

MainStreet Bancshares, Inc. (MNSB) operates in the State Commercial Banks industry.

What is MNSB's market cap?

MainStreet Bancshares, Inc. (MNSB) has a market capitalization of $176.45M as of 2026-06-30.

What is MNSB's P/E ratio?

MainStreet Bancshares, Inc. (MNSB)'s trailing twelve month P/E ratio is 11.22x as of 2026-06-30.

What exchange does MNSB trade on?

MainStreet Bancshares, Inc. (MNSB) trades on the Nasdaq.

Where is MainStreet Bancshares, Inc. incorporated?

MainStreet Bancshares, Inc. is incorporated in VA.