MainStreet Bancshares, Inc. (MNSB)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 1693577 · fiscal year ends in Dec
Closing price $21.41 on 30 Oct 2026; 52-week range $18.12 to $25.61.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $73.3M
- Revenue growth
- 4.1%
- Net income, last twelve months
- $17.3M
- Earnings per share
- $2.04
- Net margin
- 23.7%
- Free cash flow
- $23.2M
- Return on equity
- 8.1%
- Market value
- $152.4M
- Price to earnings
- 10.5x
- Dividend yield
- 1.9%
- Cash
- $109.3M
- Debt
- $70.1M
- Debt to equity
- 0.33
- Shares outstanding
- 7.1M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $73.6M | – | $15.6M | $1.76 | $10.6M | 10-K filed 13 Mar 2026 |
| FY2024 | 31 Dec 2024 | $65.8M | – | -$10.0M | -$1.60 | $13.8M | 10-K filed 14 Mar 2025 |
| FY2023 | 31 Dec 2023 | $80.1M | – | $26.6M | $3.25 | $31.1M | 10-K filed 20 Mar 2024 |
| FY2022 | 31 Dec 2022 | $75.3M | – | $26.7M | $3.26 | $32.4M | 10-K filed 23 Mar 2023 |
| FY2021 | 31 Dec 2021 | $59.6M | – | $22.2M | $2.65 | $27.3M | 10-K filed 23 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $19.1M | $4.7M | $0.58 |
| Q1 FY2026 | 31 Mar 2026 | $17.9M | $4.1M | $0.48 |
| Q4 FY2025 | 31 Dec 2025 | $18.0M | $4.1M | $0.46 |
| Q3 FY2025 | 30 Sep 2025 | $18.2M | $4.5M | $0.52 |
| Q2 FY2025 | 30 Jun 2025 | $19.9M | $4.6M | $0.53 |
| Q1 FY2025 | 31 Mar 2025 | $17.4M | $2.5M | $0.25 |
| Q4 FY2024 | 31 Dec 2024 | $16.8M | -$16.2M | -$2.20 |
| Q3 FY2024 | 30 Sep 2024 | $16.2M | $265.0K | -$0.04 |
Company events
The newest 8-K filings of 148 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 27 Oct 2026 | 8-K | Other events | 8.01 |
| 26 Oct 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 20 Oct 2026 | 8-K | Investor update | 7.01 |
| 21 Aug 2026 | 8-K | Other events | 8.01 |
| 21 Jul 2026 | 8-K | Other events | 8.01 |
| 20 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 6 Jul 2026 | 8-K | Investor update | 7.01 |
| 26 May 2026 | 8-K | Other events | 8.01 |
| 22 May 2026 | 8-K | Shareholder vote, Other events | 5.07, 8.01 |
| 24 Apr 2026 | 8-K | Other events | 8.01 |
| 21 Apr 2026 | 8-K | Other events | 8.01 |
| 20 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
Every filing
The newest filings with the SEC of 245 held.
| Filed | Form | Period |
|---|---|---|
| 27 Oct 2026 | 8-K | 27 Oct 2026 |
| 26 Oct 2026 | 8-K | 26 Oct 2026 |
| 20 Oct 2026 | 8-K | 20 Oct 2026 |
| 21 Aug 2026 | 8-K | 21 Aug 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 21 Jul 2026 | 8-K | 21 Jul 2026 |
| 20 Jul 2026 | 8-K | 20 Jul 2026 |
| 6 Jul 2026 | 8-K | 6 Jul 2026 |
| 18 Jun 2026 | 11-K | 31 Dec 2025 |
| 10 Jun 2026 | EFFECT | – |
| 10 Jun 2026 | EFFECT | – |
| 8 Jun 2026 | CORRESP | – |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 1 Oct 2026 | Hall Wendy Adeler, Director | Took pay in stock | 849 | $24.74 | $21.0K | – | 2 Oct 2026 |
| 1 Oct 2026 | Higgins Joan Morgan, Insider | Took pay in stock | 971 | $24.74 | $24.0K | – | 2 Oct 2026 |
| 1 Jul 2026 | Green Darrell, Director | Took pay in stock | 851 | $24.69 | $21.0K | – | 2 Jul 2026 |
| 1 Jul 2026 | Deleon Rafael E, Director | Took pay in stock | 753 | $24.69 | $18.6K | – | 2 Jul 2026 |
| 1 Jul 2026 | Hall Wendy Adeler, Director | Took pay in stock | 973 | $24.69 | $24.0K | – | 2 Jul 2026 |
| 1 Jul 2026 | Higgins Joan Morgan, Insider | Took pay in stock | 973 | $24.69 | $24.0K | – | 2 Jul 2026 |
| 4 Jun 2026 | Vari Richard Alexander, Chief Financial Officer | Sale outside a trading plan | 4,500 | $23.20 | $104.4K | 34,036 | 4 Jun 2026 |
| 3 Apr 2026 | Higgins Joan Morgan, Insider | Took pay in stock | 356 | $22.48 | $8.0K | – | 17 Apr 2026 |
| 3 Apr 2026 | Hall Wendy Adeler, Director | Took pay in stock | 534 | $22.48 | $12.0K | – | 17 Apr 2026 |
| 3 Apr 2026 | Deleon Rafael E, Director | Took pay in stock | 1,068 | $22.48 | $24.0K | – | 17 Apr 2026 |
| 3 Apr 2026 | Green Darrell, Director | Took pay in stock | 356 | $22.48 | $8.0K | – | 17 Apr 2026 |
| 3 Apr 2026 | Rust Patsy I, Director | Took pay in stock | 534 | $22.48 | $12.0K | – | 17 Apr 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 28 May 2026 | Vari, Richard A. (MNSB), Officer | 4,516 | $103.9K | 1 Jun 2026 |
| 2 Dec 2025 | Chmelik, Thomas J. (MNSB), Officer, Director | 40,586 | $799.5K | 2 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | Fourthstone LLC | 13G amended | 0.67% | 47.4K |
| 14 Aug 2026 | AllianceBernstein L.P. | 13G amended | 5.9% | 418.4K |
| 29 Jul 2026 | BlackRock, Inc. | 13G | 5.6% | 396.6K |
| 18 May 2026 | AllianceBernstein L.P. | 13G amended | 7.5% | 554.7K |
| 15 May 2026 | Fourthstone LLC | 13G amended | 5.22% | 384.8K |
| 24 Feb 2026 | MainStreet Bank 401(k) Retirement Plan | 13G | 5.1% | 383.8K |
| 13 Feb 2026 | Fourthstone LLC | 13G amended | 9.96% | 767.8K |
| 13 Feb 2026 | Banc Fund IX L.P. | 13G amended | 5.6% | 422.0K |
| 10 Feb 2026 | Wellington Management Group LLP | 13G amended | 4.7% | 359.4K |
| 14 Nov 2025 | Fourthstone LLC | 13G | 6.62% | 509.9K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 180.0K | -3.19% | 6.81 |
| 30 Sep 2026 | 186.0K | -17.66% | 7.02 |
| 15 Sep 2026 | 225.9K | +4.04% | 8.8 |
| 31 Aug 2026 | 217.1K | +13.83% | 6.33 |
| 14 Aug 2026 | 190.7K | +6.51% | 5.59 |
| 31 Jul 2026 | 179.1K | +0.2% | 4.91 |
| 15 Jul 2026 | 178.7K | +4.04% | 7.47 |
| 30 Jun 2026 | 171.8K | -4.8% | 2.27 |
Funds that hold it
From each fund's latest Form 13F.
99 funds held it at 30 Jun 2026: 58 added and 21 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Banc Funds Co. LLC | 545,679 | $13.5M | +14,738 |
| BlackRock, Inc. | 404,037 | $10.0M | +56,429 |
| AllianceBernstein L.P. | 418,393 | $9.3M | -136,330 |
| Wellington Management Group LLP | 336,961 | $8.3M | -15,745 |
| Vanguard Capital Management LLC | 262,466 | $6.5M | -39,021 |
| Dimensional Fund Advisors LP | 205,014 | $5.1M | +38,381 |
| Acadian Asset Management LLC | 183,245 | $4.5M | +49,269 |
| First Manhattan Co. LLC. | 161,731 | $4.0M | -26,377 |
| Geode Capital Management, LLC | 152,196 | $3.8M | +5,028 |
| Marshall Wace, LLP | 120,194 | $3.0M | +13,969 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $115.9B
- Bank of New York Mellon Corp. (BNY): revenue $22.0B, market value $99.0B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B