InsiderClue
Stocks · Financials · State Commercial Banks

MainStreet Bancshares, Inc.

MNSB Clue Score44
United States Fiscal year ends December CIK 0001693577
$24.63 -1.16% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $24.63 +1.15% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 18 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2018Net income9.2EPS, diluted1.38Fiscal year 2019Net income14.0 +51.5%EPS, diluted1.69 +22.5%Fiscal year 2020Net income15.7 +12.7%EPS, diluted1.85 +9.5%Fiscal year 2021Revenue2.4Net income22.2 +41.1%EPS, diluted2.65 +43.2%Fiscal year 2022Revenue2.4 −0.2%Net income26.7 +20.3%EPS, diluted3.26 +23.0%Fiscal year 2023Revenue2.1 −11.2%Net income26.6 −0.3%EPS, diluted3.25 −0.3%Fiscal year 2024Revenue2.0 −7.1%Net income−10.0 −137.5%EPS, diluted−1.60 −149.2%Fiscal year 2025Revenue2.2 +9.4%Net income15.6EPS, diluted1.76
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a 2.4 2.4 2.1 2.0 2.2
Growth −0.2% −11.2% −7.1% +9.4%
Net income 9.2 14.0 15.7 22.2 26.7 26.6 −10.0 15.6
Growth +51.5% +12.7% +41.1% +20.3% −0.3% −137.5%
EPS, diluted 1.38 1.69 1.85 2.65 3.26 3.25 −1.60 1.76
Growth +22.5% +9.5% +43.2% +23.0% −0.3% −149.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginNet margin
Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Net margin913.9%Free cash flow margin1,126.1%Fiscal year 2022Gross margin3,112.0%Net margin1,102.2%Free cash flow margin1,339.6%Fiscal year 2023Gross margin3,726.5%Net margin1,237.1%Free cash flow margin1,448.9%Fiscal year 2024Gross margin3,297.9%Net margin−500.0%Free cash flow margin692.9%Fiscal year 2025Gross margin3,368.7%Net margin714.9%Free cash flow margin487.0%
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin n/a n/a n/a n/a 3,112.0% 3,726.5% 3,297.9% 3,368.7%
Net margin n/a n/a n/a 913.9% 1,102.2% 1,237.1% −500.0% 714.9%
Free cash flow margin n/a n/a n/a 1,126.1% 1,339.6% 1,448.9% 692.9% 487.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2018Operating cash flow12.6Capital expenditure−1.4Free cash flow11.2Fiscal year 2019Operating cash flow16.7Capital expenditure−1.0Free cash flow15.7 +40.0%Fiscal year 2020Operating cash flow17.0Capital expenditure−1.3Free cash flow15.7 +0.2%Buybacks−13.8Fiscal year 2021Operating cash flow29.1Capital expenditure−1.8Free cash flow27.3 +73.6%Buybacks0.0Dividends paid0.0Fiscal year 2022Operating cash flow33.5Capital expenditure−1.1Free cash flow32.4 +18.7%Buybacks−6.9Dividends paid−1.9Fiscal year 2023Operating cash flow31.6Capital expenditure−0.5Free cash flow31.1 −4.0%Buybacks−0.0Dividends paid−3.0Fiscal year 2024Operating cash flow14.7Capital expenditure−0.9Free cash flow13.8 −55.6%Buybacks−0.7Dividends paid−3.0Fiscal year 2025Operating cash flow14.8Capital expenditure−4.2Free cash flow10.6 −23.1%Buybacks−4.3Dividends paid−3.1
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 12.6 16.7 17.0 29.1 33.5 31.6 14.7 14.8
Capital expenditure −1.4 −1.0 −1.3 −1.8 −1.1 −0.5 −0.9 −4.2
Free cash flow 11.2 15.7 15.7 27.3 32.4 31.1 13.8 10.6
Growth +40.0% +0.2% +73.6% +18.7% −4.0% −55.6% −23.1%
Buybacks n/a n/a −13.8 0.0 −6.9 −0.0 −0.7 −4.3
Dividends paid n/a n/a n/a 0.0 −1.9 −3.0 −3.0 −3.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2018Cash58.1Shareholders’ equity121.3Fiscal year 2019Cash64.8Shareholders’ equity137.0Fiscal year 2020Cash107.5Shareholders’ equity167.7Fiscal year 2021Cash93.2Shareholders’ equity188.8Fiscal year 2022Shareholders’ equity198.3Fiscal year 2023Shareholders’ equity221.5Fiscal year 2024Shareholders’ equity208.0Fiscal year 2025Shareholders’ equity218.6
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 58.1 64.8 107.5 93.2 n/a n/a n/a n/a
Shareholders’ equity 121.3 137.0 167.7 188.8 198.3 221.5 208.0 218.6

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a 3,112.0% 3,726.5% 3,297.9% 3,368.7%
n/a n/a n/a 1,152.3% 1,379.7% 1,527.4% −696.6% 874.1%
n/a n/a n/a 913.9% 1,102.2% 1,237.1% −500.0% 714.9%
n/a n/a n/a 1,126.1% 1,339.6% 1,448.9% 692.9% 487.0%
Spending
n/a n/a n/a 28.2% 36.0% 42.9% 46.5% 45.6%
n/a n/a n/a 74.4% 46.5% 23.1% 45.5% 191.1%
18.5% 19.4% 19.6% 20.7% 20.1% 19.0% n/a 18.2%
Returns
7.6% 10.2% 9.4% 11.7% 13.5% 12.0% −4.8% 7.1%
0.8% 1.1% 1.0% 1.3% 1.4% 1.3% −0.4% 0.7%
Balance and payout
89.0% 89.3% 89.8% 88.5% 92.0% 89.1% 90.7% 90.1%
n/a n/a n/a 0.0% 7.1% 11.3% n/a 19.5%
n/a n/a 87.7% 0.0% 27.1% 9.8% 27.3% 69.4%