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MainStreet Bancshares, Inc. MNSB | NASDAQ

$24.37 -$0.29 | -1.18%
TREND SIGNAL:Signal available — unlock to view |2026-10-14

Next Earnings: Oct 26, 2026

Company Overview:

Market Cap: $175.61M
Trailing PE: 11.9x
FWD PE *: 10.5x
Payout Ratio (TTM): 29.7%
52-Week Range: $17.86 - $25.87

* Forward PE is based on street estimates.

10 Year MNSB Performance Metrics:

Total Return (with DRIP): 114.1% (7.91% CAGR)
Total Return (no DRIP): 111.0% (7.75% CAGR)
Share Price: 96.8% (7.01% CAGR)
Yield on Cost (with DRIP): 3.51%
Total Invested: $10,000
Total Value (with DRIP): $21,411
Total Return $ (with DRIP): $11,411
Dividend Increase: 100.0% (16.65% CAGR)
Dividend Yield (FWD): 1.64% ($0.40)
MNSB 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
MNSB Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
MNSB Price CAGR:1Y: 26.14%2Y: 15.87%5Y: -0.19%10Y: 7.01%
MNSB Dividend Charts
MNSB - Dividends
MNSB Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 16.65%10Y: 16.65%
MNSB - Dividend Payout Ratio
MNSB Dividend Payout Ratio CAGR:1Y: -6.10%2Y: -26.56%5Y: 28.79%10Y: 0.00%
MNSB - Dividend to Free Cash Flow Ratio
MNSB Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 18.36%10Y: 0.00%

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MNSB Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

MNSB - Revenue
MNSB Revenue CAGR:1Y: -45.90%2Y: -25.22%5Y: 1.88%10Y: 12.86%
MNSB - Earnings Per Share (EPS)
MNSB EPS CAGR:1Y: 9.43%2Y: 46.57%5Y: -7.79%10Y: 11.81%
MNSB - Net Income
MNSB Net Income CAGR:1Y: 1.70%2Y: 33.53%5Y: -8.11%10Y: 18.25%
MNSB - EBITDA
MNSB EBITDA CAGR:1Y: -10.92%2Y: 26.30%5Y: -8.02%10Y: 17.26%
MNSB - Free Cash Flow
MNSB Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: -0.02%10Y: 0.00%
MNSB - Free Cash Flow / Share
MNSB Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.56%10Y: 0.00%
MNSB - Operating Income
MNSB Operating Income CAGR:1Y: 8.98%2Y: 46.89%5Y: -6.78%10Y: 17.26%
MNSB - Gross Profit
MNSB Gross Profit CAGR:1Y: -9.11%2Y: 9.29%5Y: 2.20%10Y: 14.44%
MNSB - Shares Outstanding
MNSB Shares Outstanding CAGR:1Y: -6.85%2Y: -2.87%5Y: -1.00%10Y: 4.84%
MNSB - Share Buybacks
MNSB Share Buybacks CAGR:1Y: 0.00%2Y: 307.88%5Y: 0.00%10Y: 0.00%
MNSB - Stock-Based Comp
MNSB Stock-Based Comp CAGR:1Y: -7.53%2Y: -5.67%5Y: 6.75%10Y: 0.00%
MNSB - Expenses
MNSB Expenses CAGR:1Y: -97.49%2Y: -75.63%5Y: -16.95%10Y: 0.00%
MNSB - Revenue by Segment
MNSB Revenue CAGR:1Y: -45.90%2Y: -25.22%5Y: 1.88%10Y: 12.86%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

MNSB - REVENUE: Actual + Estimates
MNSB Actual Revenue CAGR:1Y: -45.90%2Y: -25.22%5Y: 1.88%10Y: 12.86%
MNSB - EPS: Actual + Estimates
MNSB Actual EPS CAGR:1Y: 9.43%2Y: 46.57%5Y: -7.79%10Y: 11.81%
MNSB - NET INCOME: Actual + Estimates
MNSB Actual Net Income CAGR:1Y: 1.70%2Y: 33.53%5Y: -8.11%10Y: 18.25%
MNSB - EBITDA: Actual + Estimates
MNSB Actual EBITDA CAGR:1Y: -10.92%2Y: 26.30%5Y: -8.02%10Y: 17.26%

Ratios, Profit Margins & Return on Capital:

MNSB - Net Profit Margin
MNSB Net Profit Margin CAGR:1Y: 9.01%2Y: 36.00%5Y: -19.12%10Y: -0.78%
MNSB - Gross Profit Margin
MNSB Gross Profit Margin CAGR:1Y: -2.58%2Y: 11.28%5Y: -10.04%10Y: -3.98%
MNSB - Price to Earnings
MNSB Price to Earnings CAGR:1Y: 21.47%2Y: -5.70%5Y: 12.62%10Y: -2.89%
MNSB - Price To Sales Ratio
MNSB Price To Sales Ratio CAGR:1Y: 33.20%2Y: 21.31%5Y: -10.91%10Y: -4.71%
MNSB - Return on Capital Employed
MNSB Return on Capital Employed CAGR:1Y: 11.62%2Y: 53.77%5Y: -11.16%10Y: 3.60%
MNSB - Return on Invested Capital
MNSB Return on Invested Capital CAGR:1Y: 5.25%2Y: 40.52%5Y: -12.24%10Y: 4.59%

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MNSB Dividends Info:

Annual Dividend: $0.4
Forward Yield: 1.64%
Ex-Dividend Date: 2026-08-04
Lifetime Dividends / Share: $1.75

MNSB Dividend History: Dates, Payments & Yield list

Below is a schedule of all MNSB dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
08/04/202608/06/2026$0.1001.7%1.66%$24.06
05/04/202605/06/2026$0.1001.73%1.71%$23.36
02/09/202602/11/2026$0.1001.76%1.78%$22.44
11/10/202511/12/2025$0.1002.2%2.18%$18.32
08/06/202508/08/2025$0.1002.03%1.98%$20.24
05/09/202505/12/2025$0.1002.1%2.06%$19.44
02/10/202502/12/2025$0.1002.43%2.41%$16.60
11/12/202411/14/2024$0.1002.27%2.27%$17.64
08/09/202408/12/2024$0.1002.4%2.4%$16.70
05/02/202405/06/2024$0.1002.47%2.42%$16.50
02/01/202402/05/2024$0.1002.14%2.05%$19.47
11/06/202311/08/2023$0.1001.93%1.93%$20.75
08/03/202308/07/2023$0.1001.68%1.65%$24.24
05/04/202305/08/2023$0.1002.01%1.97%$20.34
02/02/202302/06/2023$0.1001.37%1.36%$29.33
11/03/202211/10/2022$0.1001.46%1.41%$28.37
08/03/202208/11/2022$0.0500.87%0.83%$24.00
05/04/202205/12/2022$0.0500.77%0.82%$24.44
02/02/202202/10/2022$0.0500.81%0.8%$25.04

Projected Future Returns & Dividends for MNSB

Based on past 10-year performance, here are MNSB growth metrics:

Share price CAGR of +7.01%
Dividend CAGR of +16.72%

Using MNSB CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

MNSB (DRIP)MNSB - No DRIP
Current Price$24.37$24.37
Start Shares410.34410.34
Start Value$10,000$10,000
  
After 10 years:
Final Share Count526.57410.34
Dividends Payment$0.47$0.47
Annual Dividends$988$770
Yield on cost9.88%7.70%
Share Price$47.97$47.97
Total Dividends$4,156$3,624
Final Value$25,261$23,309

Estimated Future Value + Dividends - MNSB

NOTE: Above numbers are our estimate based on MNSB's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

MainStreet Bancshares, Inc. (MNSB) had its IPO on 2005-09-06, and is traded on NASDAQ stock exchange.

MainStreet Bancshares, Inc. operates as the parent entity for MainStreet Bank, which delivers a comprehensive suite of financial products and services. Its diverse offerings cater to individuals, small to mid-sized businesses, and professional service organizations. The bank provides various deposit accounts, including checking (both standard and interest-bearing, for consumers and businesses), savings, money market, NOW, sweep accounts, and certificates of deposit. Beyond core banking, it offers cash management, wire transfer, check imaging, remote deposit capture, and courier services, alongside internet bill payment and robust online and mobile banking solutions. Lending activities encompass commercial loans for government contracts, plant and equipment, general working capital, contract administration, and acquisitions. Furthermore, MainStreet Bank extends financing for commercial, construction, and residential real estate, as well as consumer loans such as term loans and overdraft protection. Debit and credit cards are also available. Incorporated in 2003 and based in Fairfax, Virginia, the company maintained six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., and supported access to 55,000 automated teller machines as of March 18, 2022.

MNSB website: https://www.mstreetbank.com


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DCF Model — MNSB

Value from:
Pay up to today
—
vs current price $24.37
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →