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): $24.87Market Cap: $178.5 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal 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 generationCFO/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 volatilityVol 12M is 25% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. | Trading close to highsDist 52W High is -3.7%, Dist 3Y High is -3.7% Weak multi-year price returns3Y Excs Rtn is -51% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.0%, Rev Chg QQuarterly Revenue Change % is -3.3% Key risksMNSB key risks include [1] persistent unprofitability with deepening losses and shrinking profit margins, Show more. |
| Attractive yieldTotal 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 generationCFO/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 volatilityVol 12M is 25% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Trading close to highsDist 52W High is -3.7%, Dist 3Y High is -3.7% |
| Weak multi-year price returns3Y Excs Rtn is -51% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.0%, Rev Chg QQuarterly Revenue Change % is -3.3% |
| Key risksMNSB key risks include [1] persistent unprofitability with deepening losses and shrinking profit margins, Show more. |
Qualitative Assessment
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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.
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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 $26.30 per common share, demonstrating a direct action to enhance value for existing shareholders.
3. Positive Analyst Sentiment and Upgraded Rating.
Analyst sentiment for MainStreet Bancshares was positive, with the company receiving a Zacks Rank #2 (Buy) upgrade on April 23, 2026, driven by an upward trend in earnings estimates for fiscal year 2026. The company holds a consensus rating of "Moderate Buy" based on analyst coverage.
4. Favorable Broader Regional Banking Sector Trends.
The regional banking sector experienced positive macroeconomic tailwinds during the first half of 2026. Bank stock prices generally climbed due to relatively low inflation and strong earnings reported across the sector. Q2 2026 earnings for regional banks, including MainStreet Bancshares, showcased loan growth, rising net interest income, and strengthened capital positions, which helped alleviate credit concerns and supported overall sector performance.
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Stock Movement Drivers
Fundamental Drivers
The 8.2% change in MNSB stock from 5/31/2026 to 9/20/2026 was primarily driven by a 4.3% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 5312026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.79 | 24.67 | 8.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 74 | 73 | -0.9% |
| Net Income Margin (%) | 23.4% | 23.7% | 1.4% |
| P/E Multiple | 9.9 | 10.2 | 3.3% |
| Shares Outstanding (Mil) | 7 | 7 | 4.3% |
| Cumulative Contribution | 8.2% |
Market Drivers
5/31/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| MNSB | 8.2% | |
| 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) | 2282026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.01 | 24.67 | 12.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 72 | 73 | 1.4% |
| P/S Multiple | 2.4 | 2.4 | 3.0% |
| Shares Outstanding (Mil) | 8 | 7 | 7.3% |
| Cumulative Contribution | 12.1% |
Market Drivers
2/28/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| MNSB | 12.1% | |
| 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) | 8312025 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.24 | 24.67 | 10.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 70 | 73 | 4.0% |
| P/S Multiple | 2.4 | 2.4 | -0.7% |
| Shares Outstanding (Mil) | 8 | 7 | 7.3% |
| Cumulative Contribution | 10.9% |
Market Drivers
8/31/2025 to 9/20/2026| Return | Correlation | |
|---|---|---|
| MNSB | 10.9% | |
| 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) | 8312023 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.24 | 24.67 | 16.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 84 | 73 | -12.7% |
| Net Income Margin (%) | 36.3% | 23.7% | -34.7% |
| P/E Multiple | 5.3 | 10.2 | 94.4% |
| Shares Outstanding (Mil) | 8 | 7 | 4.8% |
| Cumulative Contribution | 16.1% |
Market Drivers
8/31/2023 to 9/20/2026| Return | Correlation | |
|---|---|---|
| MNSB | 16.1% | |
| Market (SPY) | 75.6% | 34.3% |
| Sector (XLF) | 69.8% | 40.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| MNSB Return | 45% | 13% | -8% | -25% | 15% | 24% | 61% |
| Peers Return | 35% | 2% | 1% | 8% | 12% | 31% | 124% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| MNSB Win Rate | 83% | 58% | 50% | 50% | 50% | 67% | |
| Peers Win Rate | 65% | 48% | 48% | 43% | 60% | 76% | |
| S&P 500 Win Rate | 75% | 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
| Event | MNSB | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.5% | -9.5% |
| % Gain to Breakeven | 27.4% | 10.5% |
| Time to Breakeven | 54 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -39.1% | -33.7% |
| % Gain to Breakeven | 64.3% | 50.9% |
| Time to Breakeven | 413 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -50.6% | -53.4% |
| % Gain to Breakeven | 102.6% | 114.4% |
| Time to Breakeven | 184 days | 1085 days |
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
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| Event | MNSB | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.5% | -9.5% |
| % Gain to Breakeven | 27.4% | 10.5% |
| Time to Breakeven | 54 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -39.1% | -33.7% |
| % Gain to Breakeven | 64.3% | 50.9% |
| Time to Breakeven | 413 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -50.6% | -53.4% |
| % Gain to Breakeven | 102.6% | 114.4% |
| Time to Breakeven | 184 days | 1085 days |
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.
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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.
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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.
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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.
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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.
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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.
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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.
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MainStreet Bancshares (MNSB) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- 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.
- 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.
- 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.
- 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.
- 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.
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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
| Industry | Names | 1Y med | 3Y med | 5Y 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% |
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| With MainStreet Bancshares Stock Down 16% In A Month, How Confident Are You? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 32.16 |
| Mkt Cap | 0.3 |
| Rev LTM | 73 |
| Op Inc LTM | - |
| FCF LTM | 27 |
| FCF 3Y Avg | 19 |
| CFO LTM | 28 |
| CFO 3Y Avg | 21 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.3% |
| Rev Chg 3Y Avg | 4.6% |
| Rev Chg Q | 15.0% |
| QoQ Delta Rev Chg LTM | 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 LTM | 31.9% |
| CFO/Rev 3Y Avg | 27.3% |
| FCF/Rev LTM | 29.4% |
| FCF/Rev 3Y Avg | 21.7% |
Price Behavior
| Market Price | $24.67 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 02/23/2007 | |
| Distance from 52W High | -3.7% | |
| 50 Days | 200 Days | |
| DMA Price | $24.45 | $22.75 |
| DMA Trend | up | up |
| Distance from DMA | 0.9% | 8.4% |
| 3M | 1YR | |
| Volatility | 23.5% | 25.3% |
| Downside Capture | -43.92 | 18.48 |
| Upside Capture | -19.10 | 33.24 |
| Correlation (SPY) | -11.5% | 16.2% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.02 | -0.07 | -0.31 | 0.20 | 0.31 | 0.75 |
| Up Beta | 0.98 | -0.25 | -0.68 | 0.06 | 0.34 | 0.96 |
| Down Beta | -2.21 | 0.49 | -0.18 | 0.08 | 0.44 | 0.64 |
| Up Capture | 34% | -12% | 0% | 34% | 21% | 31% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 13 | 22 | 38 | 72 | 129 | 383 |
| Down Capture | -170% | -16% | -52% | 21% | 27% | 88% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 7 | 19 | 25 | 53 | 116 | 347 |
[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 | |
|---|---|---|---|---|
| MNSB | 20.1% | 25.2% | 0.68 | - |
| Sector ETF (XLF) | 4.5% | 14.6% | 0.08 | 42.0% |
| Equity (SPY) | 16.9% | 12.9% | 0.94 | 16.2% |
| 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% | 0.10 | 30.9% |
| Bitcoin (BTCUSD) | -30.6% | 44.3% | -0.70 | 2.8% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with MNSB | |
|---|---|---|---|---|
| MNSB | 3.2% | 30.5% | 0.13 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 36.7% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 29.0% |
| Gold (GLD) | 19.1% | 18.8% | 0.83 | 1.1% |
| Commodities (DBC) | 11.2% | 19.5% | 0.45 | 4.6% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 29.1% |
| Bitcoin (BTCUSD) | 12.5% | 52.5% | 0.42 | 11.6% |
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 | |
|---|---|---|---|---|
| MNSB | 2.0% | 36.4% | 0.17 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 47.2% |
| Equity (SPY) | 15.1% | 18.0% | 0.72 | 38.5% |
| Gold (GLD) | 12.1% | 16.4% | 0.61 | -0.3% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | 10.8% |
| Real Estate (VNQ) | 4.4% | 20.7% | 0.18 | 38.9% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 17.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 8/21/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/20/2026 | 1.6% | -2.7% | 2.6% |
| 4/20/2026 | 0.0% | -1.6% | -7.2% |
| 1/26/2026 | -1.7% | 4.4% | 8.7% |
| 10/27/2025 | -0.4% | -4.4% | -2.6% |
| 7/22/2025 | 7.1% | 3.8% | 9.1% |
| 4/21/2025 | 1.1% | 13.3% | 17.9% |
| 1/27/2025 | -2.3% | -5.1% | -6.2% |
| 10/28/2024 | -1.3% | -4.0% | 3.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 16 | 13 | 16 |
| # Negative | 8 | 11 | 8 |
| Median Positive | 1.4% | 4.5% | 7.2% |
| Median Negative | -1.5% | -4.0% | -6.7% |
| Max Positive | 8.2% | 13.3% | 24.6% |
| Max Negative | -9.5% | -10.3% | -18.1% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/20/2026 | 1.6% | -2.7% | 2.6% |
| 4/20/2026 | 0.0% | -1.6% | -7.2% |
| 1/26/2026 | -1.7% | 4.4% | 8.7% |
| 10/27/2025 | -0.4% | -4.4% | -2.6% |
| 7/22/2025 | 7.1% | 3.8% | 9.1% |
| 4/21/2025 | 1.1% | 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% |
| 10/23/2023 | 0.2% | 2.0% | 19.1% |
| 7/24/2023 | -0.9% | -0.8% | -5.1% |
| 4/17/2023 | 1.7% | -5.1% | -7.8% |
| 1/23/2023 | 1.0% | 2.9% | 6.1% |
| 10/17/2022 | 8.2% | 9.4% | 24.6% |
| 7/25/2022 | 0.8% | 3.0% | 10.7% |
| 4/19/2022 | 1.8% | 6.9% | 8.4% |
| 1/20/2022 | 0.6% | 3.3% | 4.8% |
| 10/19/2021 | 0.9% | 5.9% | 2.7% |
| 7/20/2021 | 2.0% | 4.5% | 1.4% |
| 4/21/2021 | 0.0% | -1.4% | -0.5% |
| 1/21/2021 | 2.0% | 6.0% | 1.1% |
| 10/20/2020 | 4.7% | 10.2% | 18.3% |
| SUMMARY STATS | |||
| # Positive | 16 | 13 | 16 |
| # Negative | 8 | 11 | 8 |
| Median Positive | 1.4% | 4.5% | 7.2% |
| Median Negative | -1.5% | -4.0% | -6.7% |
| Max Positive | 8.2% | 13.3% | 24.6% |
| Max Negative | -9.5% | -10.3% | -18.1% |
Insider Activity
Updated 7/2/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Vari, Richard Alexander | Chief Financial Officer | Direct | Sell | 6042026 | 23.20 | 4,500 | 104,400 | 789,635 | Form |
| 2 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | Direct | Sell | 12102025 | 20.09 | 7,238 | 145,408 | 1,280,925 | Form |
| 3 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | Direct | Sell | 12082025 | 19.93 | 23,577 | 469,928 | 1,415,125 | Form |
| 4 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | Direct | Sell | 12042025 | 19.86 | 8,721 | 173,199 | 1,878,279 | Form |
| 5 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | wife | Sell | 12042025 | 19.50 | 1,050 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Vari, Richard Alexander | Chief Financial Officer | Direct | Sell | 6042026 | 23.20 | 4,500 | 104,400 | 789,635 | Form |
| 2 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | Direct | Sell | 12102025 | 20.09 | 7,238 | 145,408 | 1,280,925 | Form |
| 3 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | Direct | Sell | 12082025 | 19.93 | 23,577 | 469,928 | 1,415,125 | Form |
| 4 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | Direct | Sell | 12042025 | 19.86 | 8,721 | 173,199 | 1,878,279 | Form |
| 5 | Chmelik, Thomas J | CFO, MainStreet Bancshares Inc | wife | Sell | 12042025 | 19.50 | 1,050 | Form | ||
| 6 | Brockett, Charles C | Brockett Family Trust | Buy | 11242025 | 19.04 | 600 | 11,422 | 511,230 | Form | |
| 7 | Brockett, Charles C | Direct | Buy | 11242025 | 18.95 | 123 | 2,331 | 1,763,316 | Form | |
| 8 | Brockett, Charles C | wife | Buy | 11242025 | 18.95 | 19 | 360 | 16,884 | Form | |
| 9 | Dick, Jeff W | Chairman, President and CEO | Direct | Buy | 11242025 | 18.99 | 106 | 2,013 | 3,699,176 | Form |
| 10 | Dick, Jeff W | Chairman, President and CEO | Direct | Buy | 9082025 | 22.15 | 176 | 3,898 | 4,312,384 | Form |
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