MainStreet Bancshares, Inc. (MNSB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, MainStreet Bancshares reported revenue of $73.6M, up 11.8% from $65.8M the year before. Net income was $15.6M (a 21.2% net margin), or $1.76 per diluted share. Net interest income was $69.5M, and the efficiency ratio (noninterest expense / revenue) was 74.1%. Operating activities generated $14.8M of cash, leaving $10.6M of free cash flow. At fiscal year end, MainStreet Bancshares held $2.21B in total assets against $1.99B in total liabilities.
Open the full interactive MainStreet Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
MainStreet Bancshares Key Stats
| Share Price | $24.66 |
|---|---|
| Market Cap | $177.0M |
| P/E Ratio | 14.0 |
| Revenue YoY Growth | +11.8% |
| 52-Week Range | $17.79 – $25.61 |
| Shares Outstanding | 7.2 million (basic, 2026 Q2) |
MainStreet Bancshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $46.0M | $53.5M | $70.0M | $75.9M | $62.6M | $69.5M |
| Provision for Credit Losses | $3.6M | -$1.2M | $2.4M | $1.6M | $6.8M | -$70,000 |
| Noninterest Income | $7.5M | $6.1M | $4.8M | $3.6M | $3.3M | $4.0M |
| Noninterest Expense | $30.3M | $32.9M | $39.1M | $45.1M | $73.0M | $54.6M |
| Revenue | $53.4M | $59.6M | $74.8M | $79.6M | $65.8M | $73.6M |
| Pre-Tax Income | $19.6M | $28.0M | $33.4M | $32.8M | -$13.9M | $19.1M |
| Income Tax | $3.8M | $5.8M | $6.7M | $6.2M | -$3.9M | $3.5M |
| Net Income | $15.7M | $22.2M | $26.7M | $26.6M | -$10.0M | $15.6M |
| Diluted EPS | $1.85 | $2.65 | $3.26 | $3.25 | -$1.60 | $1.76 |
MainStreet Bancshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $18.2M | $18.0M | $17.9M | $19.1M |
| Net Income | $4.5M | $4.1M | $4.1M | $4.7M |
| Diluted EPS | $0.52 | — | $0.48 | $0.58 |
MainStreet Bancshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.23B | $1.34B | — | — | — | $1.84B |
| Total Assets | $1.64B | $1.65B | $1.93B | $2.04B | $2.23B | $2.21B |
| Deposits | $1.44B | $1.41B | $1.51B | $1.69B | $1.91B | $1.90B |
| Total Long-Term Debt | $14.8M | $29.3M | $172.2M | $72.6M | $73.0M | $69.9M |
| Total Liabilities | $1.48B | $1.46B | $1.73B | $1.81B | $2.02B | $1.99B |
| Shareholders' Equity | $167.7M | $188.8M | $198.3M | $221.5M | $208.0M | $218.6M |
MainStreet Bancshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $17.0M | $60.4M | $33.5M | $31.6M | $14.7M | $14.8M |
| Cash From Investing | -$313.8M | -$60.5M | -$228.7M | -$130.7M | -$122.3M | -$38.4M |
| Cash From Financing | $339.5M | -$14.2M | $232.6M | $83.0M | $200.7M | -$21.4M |
| Free Cash Flow | $15.7M | $58.6M | $32.4M | $31.1M | $13.8M | $10.6M |
Figures from MainStreet Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full MainStreet Bancshares financials page for every line item.
MainStreet Bancshares Company Profile
| Ticker | MNSB |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Fairfax, Virginia |
| Incorporated in | Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001693577 |
Frequently Asked Questions
What was MainStreet Bancshares' revenue in fiscal 2025?
MainStreet Bancshares (MNSB) reported revenue of $73.6M for fiscal 2025.
What is MainStreet Bancshares' annual revenue history?
MainStreet Bancshares' annual revenue by fiscal year: 2020: $53.4M; 2021: $59.6M; 2022: $74.8M; 2023: $79.6M; 2024: $65.8M; 2025: $73.6M.
What was MainStreet Bancshares' net income in fiscal 2025?
MainStreet Bancshares reported net income of $15.6M for fiscal 2025.
What was MainStreet Bancshares' earnings per share (EPS) in fiscal 2025?
MainStreet Bancshares' diluted EPS was $1.76 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did MainStreet Bancshares generate in fiscal 2025?
MainStreet Bancshares generated $10.6M of free cash flow in fiscal 2025.
What was MainStreet Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), MainStreet Bancshares reported revenue of $19.1M.
How much debt does MainStreet Bancshares have?
MainStreet Bancshares reported $69.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of MainStreet Bancshares are outstanding?
MainStreet Bancshares reported a weighted average of 7.2 million basic shares outstanding in 2026 Q2.
What is MainStreet Bancshares' market cap?
Based on its latest closing price, MainStreet Bancshares (MNSB) has a market capitalization of about $177.0M.
When does MainStreet Bancshares' fiscal year end?
MainStreet Bancshares' fiscal year end, as registered with the SEC, is December 31.
Where is MainStreet Bancshares headquartered?
MainStreet Bancshares lists its business address in Fairfax, Virginia in its SEC filings.