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MainStreet Bancshares, Inc. MNSB

Nasdaq · stock · State Commercial Banks · website · IPO 2005-09-02 · LEI

MainStreet Bancshares, Inc. statistics & valuation

Market cap$178.6M
P / E11.4×
P / S1.3×
P / B0.8×
P / FCF16.8×
Net margin11.5%
FCF margin7.8%
Graham number +35.2%$33.63

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($33.63); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
913.90% 30.10% 20.80% -7.20% 11.50% 20182019202020212022202320242025
Gross margin (%)
84.90% 62.70% 47.70% 54.30% 20182019202020212022202320242025
Operating margin (%)
20182019202020212022202320242025
Return on equity (%)
7.60% 10.20% 9.40% 11.70% 13.50% 12.00% -4.80% 7.10% 20182019202020212022202320242025
Shares outstanding
8.2M 8.3M 7.4M 7.6M 7.5M 7.5M 7.6M 7.7M 20182019202020212022202320242025
Net debt ($)
20182019202020212022202320242025
Share buybacks ($)
20182019202020212022202320242025
Return on assets (%)
0.80% 1.10% 1.00% 1.30% 1.40% 1.30% -0.40% 0.70% 20182019202020212022202320242025
Free cash flow margin (%)
1126.10% 36.60% 24.40% 10.00% 7.80% 20182019202020212022202320242025
Debt / equity (×)
20182019202020212022202320242025
EPS ($)
$1.38 $1.69 $1.85 $2.65 $3.26 $3.25 -$1.60 $1.76 20182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

MainStreet Bancshares, Inc. trades at about 14.1× earnings — above its 10-year norm (10-year range 5.7×–14.4×, median 9.4×).

5.7× 14.4×

Shaded band = 10-year range (5.7×–14.4×); dot = today's 14.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Gross margin54.3%47.7%62.7%84.9%
Net margin11.5%-7.2%20.8%30.1%913.9%
FCF margin7.8%10.0%24.4%36.6%1126.1%
Return on assets0.7%-0.4%1.3%1.4%1.3%1.0%1.1%0.8%
Return on equity7.1%-4.8%12.0%13.5%11.7%9.4%10.2%7.6%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.