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MainStreet Bancshares, Inc.
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
None of the investors we track reported a position in MNSB.
▼ -0.7% over 5Y.
today you would have $1,127.15▲ +12.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 8 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $20.36 | $18.10 | $24.81 | $27.49 | $24.59 | $16.91 | $23.00 | $17.06 | |
| P/E | 9.3x | 11.6x | — | 7.6x | 8.4x | 9.3x | 9.1x | 13.6x | 12.4x |
| P/S | 2.4x | 1.1x | 1.0x | 1.5x | 2.3x |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings growing 0.0% a year plus a 1.6% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Median P/E of 13.4 among peers in the sector.
Median P/E of 9.3 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| ARCLARC Group Acquisition I Corp. | $9.97 | — | 163.4x | — | — | $178.79M |
| BAFNBayFirst Financial Corp. | $6.61 | — | 1.1x | 3.63% | -52.42% | $178.22M |
| WHGWestwood Holdings Group Inc | $18.64 | 21.4x | 1.2x | 3.22% | 6.31% | $177.88M |
| GPATGP-Act III Acquisition Corp. |
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.
Company description provided by Yahoo Finance.
| 3.2x |
| 2.4x |
| 4.3x |
| 4.1x |
| P/B | 0.9x | 0.7x | 0.7x | 0.9x | 1.0x | 1.0x | 0.8x | 1.4x | 1.2x |
| EPS | $1.76 | -$1.60 | $3.25 | $3.26 | $2.65 | $1.85 | $1.69 | $1.38 |
| Dividend yield | 1.79% | 1.96% | 2.21% | 1.61% | 0.91% | — | — | — | — |
| Payout | 12.31% | 22.73% | — | 12.31% | 7.67% | — | — | — | — |
| Profit margin | 28.09% | 11.51% | -7.24% | 20.81% | 30.08% | 37.17% | 29.42% | 31.49% | 26.76% |
| ROE | 9.78% | 7.14% | -4.80% | 12.00% | 13.45% | 11.74% | 9.37% | 10.18% | 7.59% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
Dividend growing 0.0% a year against a 7.0% required return, taken from the stock’s beta. The only method anchored on what the company pays rather than what it reports.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
6 methods answered, across 3 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
-33.0% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| $11.16 |
| 44.6x |
| — |
| — |
| — |
| $180.36M |
| EBMTEagle Bancorp Montana, Inc. | $22.70 | 10.9x | 0.9x | 2.60% | 8.49% | $180.82M |
| BVFLBV Financial, Inc. | $21.35 | 14.3x | 0.9x | — | 6.87% | $180.85M |