profit from every $100 of sales.
$0$100
MainStreet Bancshares
$23.50+2.22% today
-5.4% in 1 year
1-year low $22.611-year high $26.62
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $9.97 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What MainStreet Bancshares sold, what it kept, and what it did with the cash.
Sales went from $75.3 million in 2022 to $73.3 million in 2025, with $15.6 million of profit last year.
SalesProfit
MainStreet Bancshares handed back 90% of the cash it generated last year.
Buybacks $4M$5M
Free cash flow 2025$11M
Bought back its own shares$4M
Paid as dividends$5M
Cash vs. debt$26M vs. $70M
MainStreet Bancshares vs. similar companies
MainStreet Bancshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| MainStreet Bancshares | 10.0× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.3× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads MainStreet Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 75 | 80 | 66 | 73 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 27 | 27 | -10 | 16 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 35.4% | 33.2% | -15.2% | 21.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,926 | 2,035 | 2,228 | 2,213 |
| Cash | 49 | 54 | 23 | 26 |
| Total debt | 172 | 73 | 73 | 70 |
| Total liabilities | 1,727 | 1,814 | 2,020 | 1,994 |
| 198 | 222 | 208 | 219 | |
| – | – | – | – | |
| – | – | – | – | |
| 13.5% | 12.0% | -4.8% | 7.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 34 | 32 | 15 | 15 | |
| 8 | 6 | 6 | 4 | |
| 26 | 26 | 9 | 11 | |
| Dividends paid | 4 | 5 | 5 | 5 |
| 7 | 0 | 1 | 4 | |
| 3 | 2 | 3 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.0×
- 10.4×
- 0.02
- 0.8×
- 1.2×
- 10.0%
- 1.7%
Profitability
- 21.3%
- 5.6%
- 5.6%
- 8.0%
- 0.8%
Growth
- −0.9%
- –
- +27.7%
- +0.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 43%of 848
Bottom 34%of 736
Top 28%of 868
Bottom 19%of 867
Bottom 47%of 926
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 20, 2026 | 0.48 | 0.45 | +6.7% |
| Jan 26, 2026 | 0.46 | 0.49 | −6.1% |
| Oct 27, 2025 | 0.59 | 0.51 | +14.9% |
| Apr 21, 2025 | 0.32 | 0.21 | +53.0% |
| Oct 28, 2024 | 0.03 | – | – |
| Jul 29, 2024 | 0.34 | – | – |
| Apr 22, 2024 | 0.43 | – | – |
| Mar 20, 2024 | 0.68 | – | – |
1.7%of the share price, paid each year
On $1,000 invested$17a year at today's yield, before tax
+27.7%2020 to 2025
Raised–not every year
Paid per share, each year
$0.55 in 2020 → $1.88 in 2025
How safe it looks
33.3% of its profit
Room to growStretchedMore than it earns: 48.9%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
43No pass
Benjamin Graham
63Pass
Philip Fisher
55No pass
Peter Lynch
54No pass
Joel Greenblatt
54No pass
Charlie Munger
49No pass
Terry Smith
36No pass
Questions about MainStreet Bancshares
Is MainStreet Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the MainStreet Bancshares AI analysis
What does MainStreet Bancshares do?
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. It is in Banks - Regional.
Does MainStreet Bancshares pay a dividend?
Yes. At today's price the dividend is 1.7% a year, about 33% of its yearly profit. In 2025 it paid out $5.21 million in dividends.
Is MainStreet Bancshares stock halal?
No. MainStreet Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has MainStreet Bancshares stock done over the past year?
Down 5.4% over the past twelve months, to $23.50. It traded between $22.61 and $26.62 and is 11.7% below its high.
Who are MainStreet Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with MainStreet Bancshares's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.