MAINSTREET BANCSHARES INC (MNSB)
US56064Y1001 - Common Stock
We assign a fundamental rating of 3 out of 10 to MNSB. MNSB was compared to 411 industry peers in the Banks industry. MNSB has a medium profitability rating, but doesn't score so well on its financial health evaluation. MNSB is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MNSB had positive earnings in the past year.
In the past year MNSB had a positive cash flow from operations.
Each year in the past 5 years MNSB has been profitable.
In the past 5 years MNSB always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 0.95%, MNSB is doing good in the industry, outperforming 60.44% of the companies in the same industry.
With a Return On Equity value of 8.78%, MNSB perfoms like the industry average, outperforming 51.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.78% | ||
| ROIC | N/A |
ROA(3y)1.23%
ROA(5y)1.14%
ROE(3y)11.33%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MNSB's Profit Margin of 26.55% is fine compared to the rest of the industry. MNSB outperforms 67.23% of its industry peers.
MNSB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for MNSB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.84%
PM growth 5Y2.78%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MNSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
MNSB has more shares outstanding than it did 1 year ago.
The number of shares outstanding for MNSB has been reduced compared to 5 years ago.
Compared to 1 year ago, MNSB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MNSB is 3.58, which is a good value as it means it would take MNSB, 3.58 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.58, MNSB is in line with its industry, outperforming 42.48% of the companies in the same industry.
A Debt/Equity ratio of 0.33 indicates that MNSB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.33, MNSB is not doing good in the industry: 63.11% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 3.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for MNSB have decreased strongly by -28.57% in the last year.
Measured over the past years, MNSB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.65% on average per year.
Looking at the last year, MNSB shows a decrease in Revenue. The Revenue has decreased by -8.47% in the last year.
Measured over the past years, MNSB shows a quite strong growth in Revenue. The Revenue has been growing by 18.26% on average per year.
EPS 1Y (TTM)-28.57%
EPS 3Y19.8%
EPS 5Y18.65%
EPS growth Q2Q-64.36%
Revenue 1Y (TTM)-8.47%
Revenue growth 3Y14.2%
Revenue growth 5Y18.26%
Revenue growth Q2Q-30.41%
3.2 Future
The Earnings Per Share is expected to decrease by -17.38% on average over the next years. This is quite bad
MNSB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.11% yearly.
EPS Next Y-35.66%
EPS Next 2Y-17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.79%
Revenue Next 2Y-1.11%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
MNSB is valuated cheaply with a Price/Earnings ratio of 6.75.
Based on the Price/Earnings ratio, MNSB is valued cheaply inside the industry as 92.72% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.60. MNSB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.91, the valuation of MNSB can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MNSB indicates a somewhat cheap valuation: MNSB is cheaper than 76.46% of the companies listed in the same industry.
MNSB is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.15, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.75 | ||
| Fwd PE | 7.91 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MNSB indicates a rather cheap valuation: MNSB is cheaper than 80.34% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MNSB's earnings are expected to decrease with -17.38% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y-17.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MNSB has a Yearly Dividend Yield of 2.32%.
Compared to an average industry Dividend Yield of 3.65, MNSB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, MNSB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
5.2 History
MNSB has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
MNSB pays out 26.45% of its income as dividend. This is a sustainable payout ratio.
DP26.45%
EPS Next 2Y-17.38%
EPS Next 3YN/A
MAINSTREET BANCSHARES INC
NASDAQ:MNSB (5/17/2024, 7:14:02 PM)
After market: 17.54 0 (0%)17.54
+0.29 (+1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap133.48M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.75 | ||
| Fwd PE | 7.91 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.78% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.55% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-28.57%
EPS 3Y19.8%
EPS 5Y
EPS growth Q2Q
EPS Next Y-35.66%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.47%
Revenue growth 3Y14.2%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y