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MNSBP

NEUTRAL
$25.12 Live
MainStreet Bancshares, Inc. · NASDAQ
$22.9 52W Range $28.25
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Ownership

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
N/A
P/E
9.54
ROE
7.3%
Profit margin
21.2%
Debt/Equity
N/A
Dividend yield
7.48%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
MNSBP presents a classic value trap profile: fundamentally cheap but technically bearish. The deterministic health is stable with a Piotroski F-Score of 4/9, while valuation is attractive with a Price/Book of 0.95 and a Graham Number of $39.54. However, these strengths are offset by a 0/100 technical trend and weak insider sentiment (40/100). While the 7.48% dividend yield is compelling, the modest ROE (7.32%) and ROA (0.70%) suggest limited operational efficiency compared to top-tier regional peers.

Key Strengths

Trading below book value (P/B 0.95)
Strong revenue growth of 31.80% YoY
Attractive dividend yield of 7.48%
Low P/E ratio of 9.54 relative to sector averages
Significant margin of safety relative to Graham Number ($39.54)

Key Risks

Severe bearish technical trend (0/100 score)
Weak insider sentiment (40/100 score)
Underperforming ROE (7.32%) and ROA (0.70%) for the banking sector
Piotroski F-Score of 4/9 indicates only mediocre financial health
Lack of analyst coverage and institutional visibility
AI Fair Value Estimate
Based on comprehensive analysis
$27.5
+9.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
66
Strong
Value
85
Future
60
Past
65
Health
50
Dividend
70
AI Verdict
Value Play with Momentum Risk
Key drivers: Low P/B ratio, High dividend yield, Bearish technicals, Stable but not strong F-Score
Confidence
85%
Value
85/100

Strong defensive value based on Graham Number ($39.54) and P/B ratio.

Positives
  • P/B < 1.0
  • P/E < 10
  • Price well below Graham Number
Watchpoints
  • Price is above growth-based intrinsic value ($18.43)
Future
60/100

Revenue growth is strong, but profitability metrics are mediocre.

Positives
  • High YoY revenue growth (31.8%)
Watchpoints
  • Low ROE/ROA suggests inefficient scaling of growth
Past
65/100

Long-term growth is positive, but short-term trend is highly bearish.

Positives
  • Positive 5Y (+38.6%) and 1Y (+15.4%) returns
Watchpoints
  • Recent technical momentum has collapsed to 0/100
Health
50/100

Altman Z-Score is N/A (typical for banks); Piotroski F-Score is the primary health metric.

Positives
  • Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
  • F-Score is not in the 'Strong' (7-9) category
Dividend
70/100

High yield is attractive, but sustainability/growth strength is questioned.

Positives
  • High absolute yield of 7.48%
Watchpoints
  • Dividend strength score is only 40/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$25.12

Multi-Horizon Performance vs Peers

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

Updated 2026-04-14
MNS
MainStreet Bancshares, Inc.
Primary
5Y
+38.6%
3Y
+36.1%
1Y
+15.4%
6M
+6.3%
1M
+1.5%
1W
+0.2%

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
9.54
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.95
P/S Ratio
N/A
EV/Revenue
1.62
EV/EBITDA
N/A
Market Cap
N/A

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%

Financial Services Sector Comparison

Comparing MNSBP against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
P/E Ratio
9.54
This Stock
vs
41.68
Sector Avg
-77.1% (Discount)
Return on Equity (ROE)
7.32%
This Stock
vs
-0.24%
Sector Avg
-3112.9% (Below Avg)
Profit Margin
21.2%
This Stock
vs
47.47%
Sector Avg
-55.3% (Weaker)
Revenue Growth
31.8%
This Stock
vs
39.3%
Sector Avg
-19.1% (Slower)

Ownership Structure

Institutional and insider holdings breakdown

Ownership Breakdown

Top Institutional Holders

Ancora Income Fund
6,500 shares • 2024-03-31

Past News Coverage

Recent headlines mentioning MNSBP from our newsroom.

Newest → oldest
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