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MNSB

NEUTRAL
$23.29 Live
MainStreet Bancshares, Inc. · NASDAQ
Target $26.25 (+12.7%)
$15.14 52W Range $24.0

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
$171.52M
P/E
13.23
ROE
7.3%
Profit margin
21.2%
Debt/Equity
N/A
Dividend yield
1.72%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
MNSB presents a classic value trap profile with a stable Piotroski F-Score of 4/9 and a Graham Number of $32.32 suggesting significant defensive undervaluation. While the stock trades at a discount to book value (P/B 0.88) and shows strong top-line revenue growth of 31.8%, this is offset by a dismal earnings track record with zero beats in the last four quarters. The stark divergence between the Graham Number ($32.32) and the growth-based Intrinsic Value ($12.32) indicates that while assets are undervalued, the earning power is weak. Technical trends are heavily bearish (10/100), suggesting the market is pricing in these fundamental earnings struggles.

Key Strengths

Trading below book value (P/B 0.88)
Strong year-over-year revenue growth of 31.80%
Low P/E ratio (13.23) relative to sector averages
Significant margin of safety relative to Graham Number ($32.32)
Sustainable dividend payout ratio of 22.73%

Key Risks

Consistent earnings misses (0/4 beats in last 4 quarters)
Very low ROE (7.32%) and ROA (0.70%) for a regional bank
Strongly bearish technical trend (10/100)
Weak insider sentiment (40/100)
Low analyst coverage (only 1 analyst providing a target)
AI Fair Value Estimate
Based on comprehensive analysis
$22.32
-4.1% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
55
Moderate
Value
85
Future
40
Past
55
Health
50
Dividend
45
AI Verdict
Undervalued but fundamentally stagnant
Key drivers: Asset-based undervaluation, Poor earnings quality, Bearish momentum
Confidence
85%
Value
85/100

Ref P/E 13.23, P/B 0.88, Graham Number $32.32

Positives
  • P/B < 1.0
  • Price below Graham Number
  • Low Forward P/E
Watchpoints
  • Intrinsic value based on growth is significantly lower than current price
Future
40/100

Ref Revenue Growth 31.8%, EPS Surprise -3.91% avg

Positives
  • High YoY Revenue Growth
Watchpoints
  • Negative earnings surprises
  • Declining Q/Q EPS growth
Past
55/100

Ref 1Y Change +54.8%, Historical EPS track record

Positives
  • Strong 1Y price appreciation (+54.8%)
Watchpoints
  • Erratic earnings history including a massive miss in Jan 2025
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Piotroski F-Score of 4 indicates stability
Watchpoints
  • Lack of Altman Z-Score data
  • Low ROA/ROE
Dividend
45/100

Ref Yield 1.72%, Payout 22.73%

Positives
  • Low payout ratio suggests safety
Watchpoints
  • Low absolute yield (1.72%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$23.29
Analyst Target
$26.25
Upside/Downside
+12.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MNSB and closest competitors.

Updated 2026-04-14
MNS
MainStreet Bancshares, Inc.
Primary
5Y
+21.1%
3Y
+10.2%
1Y
+54.8%
6M
+21.7%
1M
+7.0%
1W
+2.6%
ANT
Antalpha Platform Holding Compa
Peer
5Y
-42.3%
3Y
-42.3%
1Y
-42.3%
6M
-38.0%
1M
-17.0%
1W
-5.7%
BSL
Blackstone Senior Floating Rate 2027 Term Fund
Peer
5Y
+39.0%
3Y
+38.7%
1Y
+2.4%
6M
-0.7%
1M
+0.8%
1W
-0.5%
BCI
BCP Investment Corp.
Peer
5Y
+23.2%
3Y
-13.6%
1Y
-12.9%
6M
+7.6%
1M
+6.1%
1W
+1.7%
NAK
Nakamoto Inc.
Peer
5Y
-92.1%
3Y
-92.1%
1Y
-85.7%
6M
-69.9%
1M
-8.8%
1W
+12.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
13.23
Forward P/E
9.91
PEG Ratio
N/A
P/B Ratio
0.88
P/S Ratio
2.33
EV/Revenue
1.44
EV/EBITDA
N/A
Market Cap
$171.52M

Profitability

Profit margins and return metrics

Profit Margin 21.2%
Operating Margin 29.66%
Gross Margin N/A
ROE 7.32%
ROA 0.7%

Growth

Revenue and earnings growth rates

Revenue Growth +31.8%
Earnings Growth N/A
Q/Q Revenue Growth +7.1%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$24.25

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
22.5%
Total Assets
$2.2B
Liabilities
$2.0B
Equity
$0.2B
Debt/Equity
9.12x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
98%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-20
$N/A
2026-03-13
$N/A
2026-01-26
$0.46
-6.1% surprise
2025-10-27
$0.5
-1.7% surprise

Financial Services Sector Comparison

Comparing MNSB against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
P/E Ratio
13.23
This Stock
vs
46.02
Sector Avg
-71.3% (Discount)
Return on Equity (ROE)
7.32%
This Stock
vs
0.23%
Sector Avg
+3099.9% (Excellent)
Profit Margin
21.2%
This Stock
vs
50.44%
Sector Avg
-58.0% (Weaker)
Revenue Growth
31.8%
This Stock
vs
37.35%
Sector Avg
-14.9% (Slower)

Similar Companies

Peer comparison within the same industry

Past News Coverage

Recent headlines mentioning MNSB from our newsroom.

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