MainStreet Bancshares (MNSB)


Market Price (9/21/2026): $24.87 | Market Cap: $178.5 MilSector: Financials | Industry: Regional Banks

MainStreet Bancshares (MNSB)


Market Price (9/21/2026): $24.87
Market Cap: $178.5 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.3%, FCF Yield is 13%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%

Low stock price volatility
Vol 12M is 25%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more.

Trading close to highs
Dist 52W High is -3.7%, Dist 3Y High is -3.7%

Weak multi-year price returns
3Y Excs Rtn is -51%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.0%, Rev Chg QQuarterly Revenue Change % is -3.3%

Key risks
MNSB key risks include [1] persistent unprofitability with deepening losses and shrinking profit margins, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.3%, FCF Yield is 13%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%
2 Low stock price volatility
Vol 12M is 25%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more.
4 Trading close to highs
Dist 52W High is -3.7%, Dist 3Y High is -3.7%
5 Weak multi-year price returns
3Y Excs Rtn is -51%
6 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.0%, Rev Chg QQuarterly Revenue Change % is -3.3%
7 Key risks
MNSB key risks include [1] persistent unprofitability with deepening losses and shrinking profit margins, Show more.

MNSB in ETFs

Weight = MNSB's share of each fund

VTI0.00%
IWM0.01%
AVUV0.01%
VTWO0.00%
DFAS0.00%
IWN0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 9/1/2026

MainStreet Bancshares (MNSB) stock has gained about 10% since 5/31/2026 because of the following key factors:

1. Strong Fiscal Q2 2026 Financial Performance.

MainStreet Bancshares reported robust results for fiscal Q2 2026, which ended on June 30, 2026. The company announced net income of $4.7 million, marking a 14% increase from the previous quarter, with earnings per common share reaching $0.58. This was supported by an expanding net interest margin, which rose to 3.53% for the quarter. Additionally, net loans increased by 4.7% to $1.93 billion, driven by growth in commercial real estate and construction lending. The company also maintained strong asset quality, reporting zero net charge-offs and a nonperforming assets to total assets ratio of 2.77% for the quarter.

2. Share Repurchase Program Enhancing Shareholder Value.

During fiscal Q2 2026, MainStreet Bancshares repurchased 207,000 shares of its common stock. These share buybacks were accretive to tangible book value, which increased to $26.30 per common share, demonstrating a direct action to enhance value for existing shareholders.

Show more
Updated on 9/1/2026

MainStreet Bancshares (MNSB) stock has gained about 10% since 5/31/2026 because of the following key factors:

1. Strong Fiscal Q2 2026 Financial Performance.

MainStreet Bancshares reported robust results for fiscal Q2 2026, which ended on June 30, 2026. The company announced net income of $4.7 million, marking a 14% increase from the previous quarter, with earnings per common share reaching $0.58. This was supported by an expanding net interest margin, which rose to 3.53% for the quarter. Additionally, net loans increased by 4.7% to $1.93 billion, driven by growth in commercial real estate and construction lending. The company also maintained strong asset quality, reporting zero net charge-offs and a nonperforming assets to total assets ratio of 2.77% for the quarter.

2. Share Repurchase Program Enhancing Shareholder Value.

During fiscal Q2 2026, MainStreet Bancshares repurchased 207,000 shares of its common stock. These share buybacks were accretive to tangible book value, which increased to $26.30 per common share, demonstrating a direct action to enhance value for existing shareholders.

3. Positive Analyst Sentiment and Upgraded Rating.

Analyst sentiment for MainStreet Bancshares was positive, with the company receiving a Zacks Rank #2 (Buy) upgrade on April 23, 2026, driven by an upward trend in earnings estimates for fiscal year 2026. The company holds a consensus rating of "Moderate Buy" based on analyst coverage.

4. Favorable Broader Regional Banking Sector Trends.

The regional banking sector experienced positive macroeconomic tailwinds during the first half of 2026. Bank stock prices generally climbed due to relatively low inflation and strong earnings reported across the sector. Q2 2026 earnings for regional banks, including MainStreet Bancshares, showcased loan growth, rising net interest income, and strengthened capital positions, which helped alleviate credit concerns and supported overall sector performance.

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Stock Movement Drivers

Fundamental Drivers

The 8.2% change in MNSB stock from 5/31/2026 to 9/20/2026 was primarily driven by a 4.3% change in the company's Shares Outstanding (Mil).
(LTM values as of)53120269202026Change
Stock Price ($)22.7924.678.2%
Change Contribution By: 
Total Revenues ($ Mil)7473-0.9%
Net Income Margin (%)23.4%23.7%1.4%
P/E Multiple9.910.23.3%
Shares Outstanding (Mil)774.3%
Cumulative Contribution8.2%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2026 to 9/20/2026
ReturnCorrelation
MNSB8.2% 
Market (SPY)0.9%-12.8%
Sector (XLF)8.3%26.8%

Fundamental Drivers

The 12.1% change in MNSB stock from 2/28/2026 to 9/20/2026 was primarily driven by a 7.3% change in the company's Shares Outstanding (Mil).
(LTM values as of)22820269202026Change
Stock Price ($)22.0124.6712.1%
Change Contribution By: 
Total Revenues ($ Mil)72731.4%
P/S Multiple2.42.43.0%
Shares Outstanding (Mil)877.3%
Cumulative Contribution12.1%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 9/20/2026
ReturnCorrelation
MNSB12.1% 
Market (SPY)11.6%11.7%
Sector (XLF)9.2%35.9%

Fundamental Drivers

The 10.9% change in MNSB stock from 8/31/2025 to 9/20/2026 was primarily driven by a 7.3% change in the company's Shares Outstanding (Mil).
(LTM values as of)83120259202026Change
Stock Price ($)22.2424.6710.9%
Change Contribution By: 
Total Revenues ($ Mil)70734.0%
P/S Multiple2.42.4-0.7%
Shares Outstanding (Mil)877.3%
Cumulative Contribution10.9%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 9/20/2026
ReturnCorrelation
MNSB10.9% 
Market (SPY)19.4%15.7%
Sector (XLF)4.7%41.3%

Fundamental Drivers

The 16.1% change in MNSB stock from 8/31/2023 to 9/20/2026 was primarily driven by a 94.4% change in the company's P/E Multiple.
(LTM values as of)83120239202026Change
Stock Price ($)21.2424.6716.1%
Change Contribution By: 
Total Revenues ($ Mil)8473-12.7%
Net Income Margin (%)36.3%23.7%-34.7%
P/E Multiple5.310.294.4%
Shares Outstanding (Mil)874.8%
Cumulative Contribution16.1%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2023 to 9/20/2026
ReturnCorrelation
MNSB16.1% 
Market (SPY)75.6%34.3%
Sector (XLF)69.8%40.1%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
MNSB Return45%13%-8%-25%15%24%61%
Peers Return35%2%1%8%12%31%124%
S&P 500 Return27%-19%24%23%16%12%103%

Monthly Win Rates [3]
MNSB Win Rate83%58%50%50%50%67% 
Peers Win Rate65%48%48%43%60%76% 
S&P 500 Win Rate75%42%67%75%67%44% 

Max Drawdowns [4]
MNSB Max Drawdown-12%-14%-36%-38%-21%-10% 
Peers Max Drawdown-17%-21%-35%-27%-25%-12% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: TOWN, FVCB, CFFI, NKSH, BOTJ.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/18/2026 (YTD)

How Low Can It Go

EventMNSBS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-21.5%-9.5%
  % Gain to Breakeven27.4%10.5%
  Time to Breakeven54 days24 days
2020 COVID-19 Crash
  % Loss-39.1%-33.7%
  % Gain to Breakeven64.3%50.9%
  Time to Breakeven413 days140 days
2008-2009 Global Financial Crisis
  % Loss-50.6%-53.4%
  % Gain to Breakeven102.6%114.4%
  Time to Breakeven184 days1085 days

Compare to TOWN, FVCB, CFFI, NKSH, BOTJ

In The Past

MainStreet Bancshares's stock fell -9.1% during the 2025 US Tariff Shock. Such a loss loss requires a 10.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventMNSBS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-21.5%-9.5%
  % Gain to Breakeven27.4%10.5%
  Time to Breakeven54 days24 days
2020 COVID-19 Crash
  % Loss-39.1%-33.7%
  % Gain to Breakeven64.3%50.9%
  Time to Breakeven413 days140 days
2008-2009 Global Financial Crisis
  % Loss-50.6%-53.4%
  % Gain to Breakeven102.6%114.4%
  Time to Breakeven184 days1085 days

Compare to TOWN, FVCB, CFFI, NKSH, BOTJ

In The Past

MainStreet Bancshares's stock fell -9.1% during the 2025 US Tariff Shock. Such a loss loss requires a 10.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About MainStreet Bancshares (MNSB)

MainStreet Bancshares (MNSB) operates as the bank holding company for MainStreet Bank, providing a comprehensive range of financial products and services. The bank offers various deposit accounts, including checking, savings, money market, and certificates of deposit, along with advanced cash management solutions such as wire transfers and remote deposit capture. Its lending portfolio is diverse, encompassing commercial loans specifically designed for government contract receivables, working capital, and acquisitions, as well as commercial and residential real estate loans, construction financing, and consumer lending options like overdraft protection. Additionally, MainStreet Bank provides debit and credit cards, and robust online and mobile banking services.

The company primarily caters to individuals, small to medium-sized businesses, and professional service organizations. Headquartered in Fairfax, Virginia, MainStreet Bank serves its customers through a network of branches strategically located in key Northern Virginia communities such as Herndon, Fairfax, McLean, Leesburg, and Clarendon, as well as in Washington D.C., solidifying its presence as a community bank within the greater metropolitan area.

AI Analysis | Feedback

Here are 1-2 brief analogies for MainStreet Bancshares (MNSB):

  • Like a regional Bank of America, specifically serving businesses and individuals in the Northern Virginia and DC Metro area.
  • Think of it as the community-focused Wells Fargo for the Fairfax, Virginia region.

AI Analysis | Feedback

MainStreet Bancshares (MNSB) offers the following major products and services:

  • Deposit Accounts: Provides various accounts including checking, savings, money market, sweep accounts, and certificates of deposit for individuals and businesses.
  • Commercial Lending: Offers a range of commercial loans for working capital, equipment, government contracts, acquisitions, commercial real estate, and construction.
  • Residential Real Estate Loans: Extends loans for residential properties, facilitating home purchases and refinancing for consumers.
  • Consumer Lending: Provides personal term loans, overdraft protection, and issues debit and credit cards for individual banking needs.
  • Cash Management Services: Delivers services such as wire transfers, remote deposit capture, online cash management, and courier services primarily for businesses.
  • Digital Banking: Offers online and mobile banking platforms for convenient and remote access to accounts and banking services.
  • Deposit Insurance Solutions: Provides solutions designed to help customers manage and maximize FDIC insurance coverage on their deposits.

AI Analysis | Feedback

MainStreet Bancshares (MNSB) serves a diversified customer base, and does not have a few major corporate customers that can be individually named. Instead, it primarily serves the following three categories of customers:

  • Individuals
  • Small to medium-sized businesses
  • Professional service organizations

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  • Visa Inc. (V)
  • Mastercard Incorporated (MA)

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Jeff Dick, Chairman, President and Chief Executive Officer

Jeff Dick is a co-founder of MainStreet Bank and serves as Chairman, CEO, and President of MainStreet Bancshares, Inc. and MainStreet Bank. He held the title of President of the Bank until December 2016. Prior to co-founding MainStreet Bank, he served in various positions at another community bank from 1999 until January 2003, including Executive Vice President and as a member of the Board of Directors. From 1996 to 1999, Mr. Dick advised the Bank of England (UK Central Bank) and the Financial Services Authority (FSA) on risk-based banking supervision. He commenced his banking career in 1983 as a Field Examiner with the Office of the Comptroller of the Currency, becoming a Field Manager in Washington, D.C., in 1993.

Thomas J. Chmelik, Senior Executive Vice President, Chief Financial Officer and Secretary

Thomas J. Chmelik is a co-founder of MainStreet Bank and a Director of MainStreet Bancshares, Inc., and MainStreet Bank. He has held Chief Financial Officer roles at several other financial institutions, including Colombo Bank in Bethesda, Maryland (1993-1995), Franklin National Bank of Washington, D.C. (1989-1993), and a local community bank (1998-2002). From 1995 to 1998, he served as Chief Financial Officer for The National Bank of Commerce in Tanzania, Africa, as part of a World Bank initiative for its restructuring.

Abdul Hersiburane, President, MainStreet Bank

Abdul Hersiburane is the President of MainStreet Bank and a Director on its Board. He began his banking career in Somalia in 1984 and moved to the United States in 1995. Before joining MainStreet Bank in 2007 as a Business Banker, he worked as a Senior Financial Specialist and Financial Advisor with First Union Bank/Wachovia Bank from 1996 to 2006. He became the head of Business Banking at MainStreet Bank in 2015.

Todd Youngren, Executive Vice President, Director of Commercial and Treasury Services, MainStreet Bank

Todd Youngren serves as the Executive Vice President and Director of Commercial and Treasury Services for MainStreet Bank.

AI Analysis | Feedback

The key risks to MainStreet Bancshares (MNSB) are primarily concentrated around its loan portfolio quality, sensitivity to interest rate fluctuations, and overall profitability challenges within its competitive operating environment.

The most significant risk for MainStreet Bancshares is Credit Risk, stemming from the quality of its loan portfolio. The company experienced a "notable increase in past due and non-accrual loans in 2025," with these metrics exceeding national averages for its peers. MainStreet Bancshares has also "struggled to limit its exposure to commercial real estate," a sector that can be particularly sensitive to economic downturns. Despite low net charge-offs in 2025, non-performing loans amounted to $31.5 million, and the allowance for bad loans only covered approximately 81% of these problem credits, indicating a potential vulnerability if credit conditions deteriorate further.

A second major risk is Interest Rate Risk, particularly concerning its high cost of deposits. MainStreet Bancshares' average cost of interest-bearing deposits in Q4 2025 was 3.68%, which was 99 basis points higher than the national average for comparable banks. This elevated funding cost directly impacts the bank's net interest margin (NIM), which is a key measure of profitability for financial institutions, and "prolonged high rates could sustain margin compression".

Finally, Profitability Challenges represent a significant underlying risk. The bank's "low return on assets and high cost of deposits make its profitability more challenging" compared to its peers. Its Return on Assets (ROA) is "well below the community bank average". Operating in the competitive Washington D.C. metropolitan area, MainStreet Bancshares faces pressures that contribute to its struggles in consistently generating profits at levels comparable to the industry, leading the market to price its stock at a discount.

AI Analysis | Feedback

The clear emerging threat for MainStreet Bancshares is the proliferation and increasing adoption of fintech companies and digital-only banks (neobanks). These entities leverage technology to offer financial products and services, including deposit accounts, online lending, and payment solutions, often with lower overhead costs and a more streamlined digital user experience compared to traditional brick-and-mortar banks. This competition directly challenges MainStreet Bancshares' core offerings to individuals, small to medium-sized businesses, and professional service organizations by providing alternative, often more agile, and competitively priced banking solutions.

AI Analysis | Feedback

MainStreet Bancshares (MNSB) operates primarily in Northern Virginia and Washington D.C. The addressable markets for its main products and services in these regions are as follows:

Commercial Loans and Commercial Real Estate Loans

  • In Virginia, the total commercial real estate lending volume was approximately $19.2 billion in 2024. The commercial real estate transaction volume in Virginia for 2024 was about $13.9 billion.
  • For small business loans in Virginia, reporting banks issued $14 billion in 2024.
  • The broader "Real Estate Loans & Collateralized Debt industry" in Virginia, which encompasses both commercial and residential, is projected to have a market size of $108.4 billion in 2026.

Residential Real Estate Loans

  • In Virginia, new home loans booked in 2024 amounted to $35.2 billion.
  • For the Washington-Arlington-Alexandria, DC-VA-MD-WV core-based statistical area, the purchase loan volume is forecasted to exceed $40 billion in 2025. The total value of the housing market in the DC area was reported to be $1.147 trillion in September 2025.

Deposit Accounts

  • The total deposits in all banks across Virginia were $296 billion in the second quarter of 2024.

AI Analysis | Feedback

MainStreet Bancshares (MNSB) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

  1. Net Interest Margin (NIM) Expansion and Resilience: The company has been actively managing its balance sheet to reduce funding costs. This includes repricing retail and wholesale certificates of deposit (CDs) at lower rates and increasing non-interest-bearing and low-cost transactional deposits. Management anticipates that stable or decreasing interest rates in 2025 and 2026 will further contribute to improving its net interest margin.
  2. Loan Portfolio Growth and Diversification: MainStreet Bancshares is focused on achieving continued loan growth, with expectations of 3-4% growth over the first six months of 2026. The bank emphasizes a strategy of pursuing "smaller sized opportunities within our market" and maintaining a well-diversified loan book, including non-owner occupied commercial real estate, multi-family, and owner-occupied real estate loans.
  3. Growth in Non-Interest Bearing and Low-Cost Deposits: A significant driver for improved profitability is the strategic increase in non-interest-bearing and low-cost transactional deposits. The company reported a noticeable increase in non-interest-bearing accounts, which comprised 20% of total deposits at the end of 2025, up from 17% at the end of 2024. This growth helps lower the overall cost of funds and enhance net interest income.
  4. Strategic Expansion within the D.C. Metropolitan Area: MainStreet Bancshares is leveraging its deep roots and strong reputation in the vibrant Washington, D.C. metropolitan area. The company plans to expand its physical presence, including the opening of a new branch in Middleburg, Virginia, in February 2026, indicating a continued focus on organic growth within its core market.
  5. Leveraging Technology and "Branch-Lite" Model for Business Customers: As a "business-focused" community bank, MainStreet Bancshares utilizes a "branch-lite" model and robust online business banking technology to serve its small to medium-sized business and professional service organization clients. This approach, exemplified by their "Put Our Bank in Your Office®" service, allows for efficient customer acquisition and service delivery in their competitive market.

AI Analysis | Feedback

Share Repurchases

  • Since the beginning of 2026, MainStreet Bancshares repurchased 174,280 shares of its outstanding common stock at an average price of $22.45 per share.
  • During the fourth quarter of 2025, the company executed a buyback of 209,000 shares as part of its share repurchase plan.
  • As of February 9, 2022, a total of 885,785 common shares had been repurchased under a program that authorized the repurchase of up to 1.25 million shares.

Share Issuance

  • The number of outstanding common shares showed minor annual increases, rising by 1.33% in 2025 to 7.7 million shares.
  • Outstanding shares increased by 1.01% in 2024 to 7.6 million shares from 7.52 million in 2023.
  • From 2022 to 2023, the number of outstanding shares increased by 1.26% from 7.43 million to 7.52 million.

Capital Expenditures

  • In 2024, MainStreet Bancshares reported a $19.72 million impairment of its computer software intangible asset, which was tied to its SaaS/BaaS platform deployment, indicating significant prior investment in technology.
  • The company unveiled its proprietary Banking as a Service (BaaS) platform, Avenu™, in February 2022, demonstrating a focus on technology and related expenditures.
  • A new branch is slated to open in Middleburg, Virginia, in February 2026, representing an investment in physical infrastructure.

Peer Outperformance in Regional Banks

MNSB has trailed 84% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that MNSB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
32%
of 288 industry peers · 16.6% return
3Y
5%
of 277 industry peers · 19.2% return
5Y
16%
of 264 industry peers · 18.6% return
null
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is MNSB's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 24.2%70.6%133.7% SPNT 170% · RGA 154% · RNR 140%
Investment Banking & Brokerage 13 -1.7%105.1%116.5% IBKR 527% · SNEX 257% · HOOD 183%
Diversified Banks 12 27.5%129.8%116.3% CM 161% · JPM 159% · RY 149%
Life & Health Insurance 20 8.6%57.6%105.8% JXN 534% · UNM 373% · FG 207%
Multi-Sector Holdings 4 6.8%50.2%87.3% JONE 361% · VOYA 88% · BRK-B 87%
Property & Casualty Insurance 42 9.6%67.5%67.8% ASIC 2760900% · HRTG 445% · UVE 331%
Regional Banks ← 265 23.9%91.7%67.1% ESQ 391% · GCBC 340% · VBNK 335%
Multi-line Insurance 9 8.8%71.2%64.1% GNW 201% · L 112% · SLF 104%
Financial Exchanges & Data 15 -0.1%17.4%32.7% VIRT 184% · CBOE 135% · CME 83%
Diversified Financial Services 4 -7.3%22.1%32.6% FRHC 168% · EQH 119% · TMS -54%
Consumer Finance 30 1.7%89.6%26.9% ENVA 447% · EZPW 319% · FCFS 168%
Insurance Brokers 16 -15.1%-6.3%20.3% LIFE 200% · ARX 87% · AJG 70%
Commercial & Residential Mortgage Finance 14 -50.2%32.8%13.9% FNMA 454% · FMCC 436% · ACT 204%
Asset Management & Custody Banks 84 -11.7%17.6%12.0% WT 348% · SII 279% · VCTR 274%
Specialized Finance 3 14.0%42.2%-2.8% EFC 27% · CACC -3% · HASI -16%
Mortgage REITs 33 -13.0%7.4%-16.5% NREF 53% · RITM 42% · DX 34%
Transaction & Payment Processing Services 15 -1.0%-5.9%-42.9% V 74% · MA 73% · CPAY 58%
Diversified Capital Markets 20 -36.3%20.7%-48.1% OPY 196% · LPLA 136% · GOLD 90%
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

Latest Trefis Analyses

Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

MNSBTOWNFVCBCFFINKSHBOTJMedian
NameMainStre.Towne Ba.FVCBankc.C&F Fina.National.Bank of . 
Mkt Price24.6737.0818.0193.6042.5927.2532.16
Mkt Cap0.23.40.30.30.30.10.3
Rev LTM7388872136605173
Op Inc LTM-------
FCF LTM231283239181127
FCF 3Y Avg14157233612919
CFO LTM241803243201328
CFO 3Y Avg192072339141121

Growth & Margins

MNSBTOWNFVCBCFFINKSHBOTJMedian
NameMainStre.Towne Ba.FVCBankc.C&F Fina.National.Bank of . 
Rev Chg LTM4.0%25.4%16.3%4.4%20.8%12.2%14.3%
Rev Chg 3Y Avg-4.0%8.7%10.0%3.0%3.6%5.6%4.6%
Rev Chg Q-3.3%34.6%20.9%-10.9%18.3%11.7%15.0%
QoQ Delta Rev Chg LTM-0.9%7.7%5.0%-2.8%4.2%2.8%3.5%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM32.4%20.3%43.9%31.4%33.2%24.8%31.9%
CFO/Rev 3Y Avg26.1%27.9%39.1%30.5%26.6%23.4%27.3%
FCF/Rev LTM31.7%14.4%43.8%28.3%30.5%22.2%29.4%
FCF/Rev 3Y Avg20.1%21.3%38.8%28.1%22.0%19.0%21.7%

Valuation

MNSBTOWNFVCBCFFINKSHBOTJMedian
NameMainStre.Towne Ba.FVCBankc.C&F Fina.National.Bank of . 
Mkt Cap0.23.40.30.30.30.10.3
P/S2.43.84.52.24.52.43.1
P/Op Inc-------
P/EBIT-------
P/E10.221.012.610.513.310.811.7
P/CFO7.518.610.27.113.59.810.0
Total Yield11.5%7.2%9.4%11.6%9.3%10.7%10.0%
Dividend Yield1.7%2.4%1.4%2.0%1.8%1.5%1.8%
FCF Yield 3Y Avg9.2%6.4%9.4%18.2%5.9%12.1%9.3%
D/E0.40.10.10.40.00.10.1
Net D/E0.2-0.4-0.7-0.9-0.3-0.3-0.3

Returns

MNSBTOWNFVCBCFFINKSHBOTJMedian
NameMainStre.Towne Ba.FVCBankc.C&F Fina.National.Bank of . 
1M Rtn-0.6%-1.8%-3.1%10.8%3.5%0.7%0.1%
3M Rtn3.8%7.7%8.7%20.1%20.7%11.4%10.1%
6M Rtn17.4%18.2%24.0%30.9%21.8%37.2%22.9%
12M Rtn16.6%8.8%36.8%33.4%44.8%80.3%35.1%
3Y Rtn19.2%81.4%62.3%82.2%92.1%181.3%81.8%
1M Excs Rtn-0.4%0.2%-0.9%8.6%4.2%1.5%0.8%
3M Excs Rtn1.8%5.7%6.7%18.1%18.7%9.4%8.1%
6M Excs Rtn1.2%1.9%8.6%18.3%3.4%15.0%6.0%
12M Excs Rtn4.1%-4.8%21.8%22.7%31.4%67.6%22.3%
3Y Excs Rtn-51.0%9.0%-17.4%19.9%23.3%104.8%14.5%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Core Banking13413612587 
Financial Technology1232 
Single Segment    60
Total1361381288960


Assets by Segment
$ Mil2025202420232022
Core Banking2,2132,2282,0211,869
Financial Technology00159
Total2,2132,2282,0351,878


Price Behavior

Price Behavior
Market Price$24.67 
Market Cap ($ Bil)0.2 
First Trading Date02/23/2007 
Distance from 52W High-3.7% 
   50 Days200 Days
DMA Price$24.45$22.75
DMA Trendupup
Distance from DMA0.9%8.4%
 3M1YR
Volatility23.5%25.3%
Downside Capture-43.9218.48
Upside Capture-19.1033.24
Correlation (SPY)-11.5%16.2%
MNSB Betas & Captures as of 8/31/2026

 1M2M3M6M1Y3Y
Beta-0.02-0.07-0.310.200.310.75
Up Beta0.98-0.25-0.680.060.340.96
Down Beta-2.210.49-0.180.080.440.64
Up Capture34%-12%0%34%21%31%
Bmk +ve Days10213268138427
Stock +ve Days13223872129383
Down Capture-170%-16%-52%21%27%88%
Bmk -ve Days11213259113324
Stock -ve Days7192553116347

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with MNSB
MNSB20.1%25.2%0.68-
Sector ETF (XLF)4.5%14.6%0.0842.0%
Equity (SPY)16.9%12.9%0.9416.2%
Gold (GLD)19.1%29.3%0.60-7.5%
Commodities (DBC)46.3%20.6%1.73-27.6%
Real Estate (VNQ)4.9%13.6%0.1030.9%
Bitcoin (BTCUSD)-30.6%44.3%-0.702.8%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with MNSB
MNSB3.2%30.5%0.13-
Sector ETF (XLF)10.1%18.4%0.4136.7%
Equity (SPY)12.9%17.2%0.5729.0%
Gold (GLD)19.1%18.8%0.831.1%
Commodities (DBC)11.2%19.5%0.454.6%
Real Estate (VNQ)1.1%18.8%-0.0529.1%
Bitcoin (BTCUSD)12.5%52.5%0.4211.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with MNSB
MNSB2.0%36.4%0.17-
Sector ETF (XLF)12.9%22.1%0.5347.2%
Equity (SPY)15.1%18.0%0.7238.5%
Gold (GLD)12.1%16.4%0.61-0.3%
Commodities (DBC)8.3%18.1%0.3710.8%
Real Estate (VNQ)4.4%20.7%0.1838.9%
Bitcoin (BTCUSD)62.6%66.2%1.0217.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date8312026
Short Interest: Shares Quantity0.2 Mil
Short Interest: % Change Since 815202613.8%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest6.3 days
Basic Shares Quantity7.2 Mil
Short % of Basic Shares3.0%

Earnings Returns History

Updated 8/21/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/20/20261.6%-2.7%2.6%
4/20/20260.0%-1.6%-7.2%
1/26/2026-1.7%4.4%8.7%
10/27/2025-0.4%-4.4%-2.6%
7/22/20257.1%3.8%9.1%
4/21/20251.1%13.3%17.9%
1/27/2025-2.3%-5.1%-6.2%
10/28/2024-1.3%-4.0%3.0%
...
SUMMARY STATS   
# Positive161316
# Negative8118
Median Positive1.4%4.5%7.2%
Median Negative-1.5%-4.0%-6.7%
Max Positive8.2%13.3%24.6%
Max Negative-9.5%-10.3%-18.1%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/20/20261.6%-2.7%2.6%
4/20/20260.0%-1.6%-7.2%
1/26/2026-1.7%4.4%8.7%
10/27/2025-0.4%-4.4%-2.6%
7/22/20257.1%3.8%9.1%
4/21/20251.1%13.3%17.9%
1/27/2025-2.3%-5.1%-6.2%
10/28/2024-1.3%-4.0%3.0%
7/29/2024-2.5%-10.3%-8.6%
4/22/2024-9.5%-7.7%4.3%
1/22/2024-0.5%-1.8%-18.1%
10/23/20230.2%2.0%19.1%
7/24/2023-0.9%-0.8%-5.1%
4/17/20231.7%-5.1%-7.8%
1/23/20231.0%2.9%6.1%
10/17/20228.2%9.4%24.6%
7/25/20220.8%3.0%10.7%
4/19/20221.8%6.9%8.4%
1/20/20220.6%3.3%4.8%
10/19/20210.9%5.9%2.7%
7/20/20212.0%4.5%1.4%
4/21/20210.0%-1.4%-0.5%
1/21/20212.0%6.0%1.1%
10/20/20204.7%10.2%18.3%
SUMMARY STATS   
# Positive161316
# Negative8118
Median Positive1.4%4.5%7.2%
Median Negative-1.5%-4.0%-6.7%
Max Positive8.2%13.3%24.6%
Max Negative-9.5%-10.3%-18.1%

Insider Activity

Updated 7/2/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Vari, Richard AlexanderChief Financial OfficerDirectSell604202623.204,500104,400789,635Form
2Chmelik, Thomas JCFO, MainStreet Bancshares IncDirectSell1210202520.097,238145,4081,280,925Form
3Chmelik, Thomas JCFO, MainStreet Bancshares IncDirectSell1208202519.9323,577469,9281,415,125Form
4Chmelik, Thomas JCFO, MainStreet Bancshares IncDirectSell1204202519.868,721173,1991,878,279Form
5Chmelik, Thomas JCFO, MainStreet Bancshares IncwifeSell1204202519.501,050  Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Vari, Richard AlexanderChief Financial OfficerDirectSell604202623.204,500104,400789,635Form
2Chmelik, Thomas JCFO, MainStreet Bancshares IncDirectSell1210202520.097,238145,4081,280,925Form
3Chmelik, Thomas JCFO, MainStreet Bancshares IncDirectSell1208202519.9323,577469,9281,415,125Form
4Chmelik, Thomas JCFO, MainStreet Bancshares IncDirectSell1204202519.868,721173,1991,878,279Form
5Chmelik, Thomas JCFO, MainStreet Bancshares IncwifeSell1204202519.501,050  Form
6Brockett, Charles C Brockett Family TrustBuy1124202519.0460011,422511,230Form
7Brockett, Charles C DirectBuy1124202518.951232,3311,763,316Form
8Brockett, Charles C wifeBuy1124202518.951936016,884Form
9Dick, Jeff WChairman, President and CEODirectBuy1124202518.991062,0133,699,176Form
10Dick, Jeff WChairman, President and CEODirectBuy908202522.151763,8984,312,384Form
Core Cache Last Updated: 9/20/2026