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MAINSTREET BANCSHARES INC (MNSB) Stock Fundamental Analysis

NASDAQ:MNSB - Nasdaq - US56064Y1001 - Common Stock - Currency: USD

16.34  0 (0%)

After market: 16.4 +0.06 (+0.37%)

Fundamental Rating

2

Overall MNSB gets a fundamental rating of 2 out of 10. We evaluated MNSB against 405 industry peers in the Banks industry. MNSB has a bad profitability rating. Also its financial health evaluation is rather negative. MNSB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

MNSB had negative earnings in the past year.
In the past year MNSB had a positive cash flow from operations.
MNSB had positive earnings in 4 of the past 5 years.
MNSB had a positive operating cash flow in 4 of the past 5 years.
MNSB Yearly Net Income VS EBIT VS OCF VS FCFMNSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

With a Return On Assets value of 0.41%, MNSB is not doing good in the industry: 78.14% of the companies in the same industry are doing better.
MNSB has a Return On Equity of 4.06%. This is amonst the worse of the industry: MNSB underperforms 80.65% of its industry peers.
Industry RankSector Rank
ROA 0.41%
ROE 4.06%
ROIC N/A
ROA(3y)0.64%
ROA(5y)0.81%
ROE(3y)5.85%
ROE(5y)7.43%
ROIC(3y)N/A
ROIC(5y)N/A
MNSB Yearly ROA, ROE, ROICMNSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

With a Profit Margin value of 13.80%, MNSB is not doing good in the industry: 77.14% of the companies in the same industry are doing better.
MNSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MNSB Yearly Profit, Operating, Gross MarginsMNSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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1

2. Health

2.1 Basic Checks

MNSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MNSB has been increased compared to 1 year ago.
Compared to 5 years ago, MNSB has less shares outstanding
Compared to 1 year ago, MNSB has an improved debt to assets ratio.
MNSB Yearly Shares OutstandingMNSB Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
MNSB Yearly Total Debt VS Total AssetsMNSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of MNSB is 8.87, which is on the high side as it means it would take MNSB, 8.87 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 8.87, MNSB is not doing good in the industry: 70.60% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.32 indicates that MNSB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.32, MNSB is doing worse than 67.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 8.87
Altman-Z N/A
ROIC/WACCN/A
WACC19.85%
MNSB Yearly LT Debt VS Equity VS FCFMNSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MNSB Yearly Current Assets VS Current LiabilitesMNSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2M 4M 6M

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5

3. Growth

3.1 Past

The earnings per share for MNSB have decreased strongly by -149.23% in the last year.
The Revenue for MNSB has decreased by -17.69% in the past year. This is quite bad
The Revenue has been growing by 8.24% on average over the past years. This is quite good.
EPS 1Y (TTM)-149.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-454.84%
Revenue 1Y (TTM)-17.69%
Revenue growth 3Y3.34%
Revenue growth 5Y8.24%
Sales Q2Q%-6.39%

3.2 Future

The Earnings Per Share is expected to grow by 67.24% on average over the next years. This is a very strong growth
MNSB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.54% yearly.
EPS Next Y165.02%
EPS Next 2Y67.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.16%
Revenue Next 2Y11.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
MNSB Yearly Revenue VS EstimatesMNSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
MNSB Yearly EPS VS EstimatesMNSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for MNSB. In the last year negative earnings were reported.
MNSB is valuated correctly with a Price/Forward Earnings ratio of 15.71.
70.10% of the companies in the same industry are cheaper than MNSB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 92.74. MNSB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 15.71
MNSB Price Earnings VS Forward Price EarningsMNSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

MNSB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.11
EV/EBITDA N/A
MNSB Per share dataMNSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

MNSB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MNSB's earnings are expected to grow with 67.24% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y67.24%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

MNSB has a Yearly Dividend Yield of 2.45%. Purely for dividend investing, there may be better candidates out there.
MNSB's Dividend Yield is slightly below the industry average, which is at 3.15.
MNSB's Dividend Yield is comparable with the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 2.45%

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 Years2
MNSB Yearly Dividends per shareMNSB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

56.54% of the earnings are spent on dividend by MNSB. This is a bit on the high side, but may be sustainable.
DP56.54%
EPS Next 2Y67.24%
EPS Next 3YN/A
MNSB Yearly Income VS Free CF VS DividendMNSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M
MNSB Dividend Payout.MNSB Dividend Payout, showing the Payout Ratio.MNSB Dividend Payout.PayoutRetained Earnings

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MAINSTREET BANCSHARES INC

NASDAQ:MNSB (2/4/2025, 8:00:01 PM)

After market: 16.4 +0.06 (+0.37%)

16.34

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/bmo
Earnings (Next)N/A N/A
Inst Owners52.33%
Inst Owner Change0.13%
Ins Owners8.24%
Ins Owner Change0.64%
Market Cap124.18M
Analysts85.71
Price Target21.93 (34.21%)
Short Float %0.27%
Short Ratio1.85
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP56.54%
Div Incr Years1
Div Non Decr Years2
Ex-Date02-10 2025-02-10 (0.1)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-82.84%
Min EPS beat(2)-160.33%
Max EPS beat(2)-5.34%
EPS beat(4)0
Avg EPS beat(4)-51.94%
Min EPS beat(4)-160.33%
Max EPS beat(4)-5.34%
EPS beat(8)2
Avg EPS beat(8)-25.7%
EPS beat(12)5
Avg EPS beat(12)-14.24%
EPS beat(16)8
Avg EPS beat(16)-1.14%
Revenue beat(2)0
Avg Revenue beat(2)-6.21%
Min Revenue beat(2)-7.24%
Max Revenue beat(2)-5.18%
Revenue beat(4)0
Avg Revenue beat(4)-10.26%
Min Revenue beat(4)-16.76%
Max Revenue beat(4)-5.18%
Revenue beat(8)2
Avg Revenue beat(8)-5.74%
Revenue beat(12)6
Avg Revenue beat(12)0.55%
Revenue beat(16)10
Avg Revenue beat(16)4.57%
PT rev (1m)0%
PT rev (3m)7.5%
EPS NQ rev (1m)9.52%
EPS NQ rev (3m)-33.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-15.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.96%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 15.71
P/S 1.87
P/FCF 15.11
P/OCF 8.5
P/B 0.55
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)-1.6
EYN/A
EPS(NY)1.04
Fwd EY6.37%
FCF(TTM)1.08
FCFY6.62%
OCF(TTM)1.92
OCFY11.76%
SpS8.75
BVpS29.74
TBVpS27.26
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.41%
ROE 4.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.8%
GM N/A
FCFM 12.36%
ROA(3y)0.64%
ROA(5y)0.81%
ROE(3y)5.85%
ROE(5y)7.43%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 8.87
Debt/EBITDA N/A
Cap/Depr 204.84%
Cap/Sales 9.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 89.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC19.85%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-149.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-454.84%
EPS Next Y165.02%
EPS Next 2Y67.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.69%
Revenue growth 3Y3.34%
Revenue growth 5Y8.24%
Sales Q2Q%-6.39%
Revenue Next Year5.16%
Revenue Next 2Y11.54%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-72.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-60.49%
OCF growth 3YN/A
OCF growth 5YN/A