MainStreet Bancshares, Inc. (MNSB)
Financial Services · NCM
Fundamentals
Valuation and ratings
MainStreet Bancshares, Inc. trades at USD23.45, which is 130% below the USD53.88 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 28 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 12.1 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
MNSB dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.200 | 2 |
| 2025 | USD0.400 | 4 |
| 2024 | USD0.400 | 4 |
| 2023 | USD0.400 | 4 |
| 2022 | USD0.250 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
MNSB earnings and analyst estimates
Recommendation mix, 1 analyst rating
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About MainStreet Bancshares, Inc.
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. It offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. The company also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, it offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. The company operates in Herndon, Fairfax, McLean, Clarendon, Leesburg, Middleburg, Virginia, and Washington D.C., as well as automated teller machines. MainStreet Bancshares, Inc. was formerly known as MainStreet Bank (Fairfax, VA) and changed its name to MainStreet Bancshares, Inc. in July 2016. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.
MNSB passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
4 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Marshall Wace, MARSHALL WACE, LLP$2.36M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$522.1K · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$319.7K · 0.0% of book
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$216.1K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is MainStreet Bancshares, Inc. (MNSB) undervalued?
Against our discounted cash flow estimate of USD53.88, MNSB at USD23.45 is 130% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own MNSB?
4 of the institutions we track reported a position in MNSB in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is MNSB's P/E ratio?
MNSB trades at 12.1 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does MainStreet Bancshares, Inc. (MNSB) pay a dividend?
Yes. MainStreet Bancshares, Inc. yields 1.66% at the current share price. It has paid USD0.400 per share over the trailing twelve months. It has paid a dividend in each of the last 4 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.