MNSBMainStreet Bancshares, Inc.(MNSB)Stock Analysis

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SEC EDGAR: CIK 1693577MNSB stock profile & AI dashboard →

13F Pro Quality Score

52.5/100

Rank #1,341 of 2,879 stocksTOP 50%

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

40.4/100

Profitability

98.7/100

Balance Sheet

40.9/100

Earnings Quality

18.2/100

Free Cash Flow

98.1/100

Institutional Flow

14.0/100

Revenue Scale

1.0/100

Dilution Risk

42.1/100

MNSB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for MainStreet Bancshares, Inc. (MNSB), a Financials sector company. 13F Pro's AI-powered ranking engine scores MNSB at 52.5/100 on a 32-signal composite quality model, placing it at rank #1,341 of 2,879 stocks — the top half of the AI-ranked universe. MNSB scores in the top quartile across profitability (98.7), free cash flow (98.1). Areas of concern include revenue scale (1.0) and institutional flow (14.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 42.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), MainStreet Bancshares, Inc. reports quarterly revenue of $17.9M, net income of $4.1M, free cash flow of $6.5M. Top institutional holders of MNSB by reported 13-F value include BANC FUNDS CO, ALLIANCEBERNSTEIN L.P., Fourthstone, based on the most recent SEC filings. MNSB trades on the Nasdaq exchange and files with the SEC under CIK 1693577. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate MNSB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for MainStreet Bancshares, Inc. directly from SEC EDGAR. MainStreet Bancshares, Inc.'s 13F Pro composite quality score has ranged between 49 and 66 since 2023, currently 52.5 — a stable long-term trajectory across 20 quarterly and live scoring snapshots.

Fun facts about MainStreet Bancshares, Inc.

Quirks, history, and lore behind MNSB — the kind of stuff that makes a stock memorable.

  • 1
    The Basics
    A community bank holding company · small-cap · listed on Nasdaq · headquartered in Virginia.
  • 2
    The Numbers
    Total assets in the range of $2 billion, with a focus on commercial real estate and business lending — not the flashiest numbers on Wall Street, but steady.
  • 3
    The History
    Founded in the late 1990s in the Blue Ridge foothills of Virginia, it grew by serving small businesses and local communities that bigger banks tend to ignore.
  • 4
    The Secret
    Despite its small-town roots, it expanded aggressively into the Northern Virginia and Washington, D.C. metro market — chasing growth where the money actually is.
  • 5
    The Lore
    Its name is essentially a love letter to community banking — evoking the idea that banking should serve Main Street, not just the big guys on Wall Street.
  • 6
    The Giveaway
    A Virginia community bank whose ticker and name both literally say "Main Street" — traded under MNSB and proud of it.
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Revenue

Q1 2026

$17.9M

Net Income

Q1 2026

$4.1M

Free Cash Flow

Q1 2026

$6.5M

ROIC

Q1 2026

2.5%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+2129250.0% YoY
$127.8MFY 2023
FY18 FY19 $6.0KFY20 $6.0KFY23 $127.8M

Net Income

+69.1% YoY
$26.6MFY 2023
FY18 $9.2MFY19 $13.9MFY20 $15.7MFY23 $26.6M

EPS (Diluted)

+75.7% YoY
$3.25FY 2023
FY18 $1.38FY19 $1.69FY20 $1.85FY23 $3.25

Total Assets

+23.9% YoY
$2.04BFY 2023
FY18 $1.10BFY19 $1.28BFY20 $1.64BFY23 $2.04B

Total Debt

$15.0MFY 2023
FY18 FY19 FY20 FY23 $15.0M

Op. Cash Flow

+85.9% YoY
$31.6MFY 2023
FY18 $12.6MFY19 $16.7MFY20 $17.0MFY23 $31.6M

AI Insight: MNSB Financial Trends

MainStreet Bancshares revenue collapsed from $34M in Q3 2025 to $1M in Q1 2026, while maintaining positive earnings.

Revenue plummeted from $34M in Q3 2025 to $1M in Q1 2026, an extraordinary decline.

Net income remained positive at $4M in Q1 2026 despite revenue collapse.

Operating cash flow improved from $1M in Q2 2025 to $7M in Q1 2026.

Equity declined from $219M in Q4 2025 to $215M in Q1 2026 amid revenue volatility.

Revenue pattern shows extreme quarterly volatility with unclear business model sustainability.

AI Insight: MNSB Ratio Trends

MainStreet Bancshares recovered strongly from Q4 2024 losses with operating margin reaching 20.8% TTM, though quarterly profitability has moderated since mid-2025.

Operating margin surged from -15.4% in Q4 2024 to 20.8% TTM, marking a dramatic turnaround from losses.

ROE improved from -31.1% in Q4 2024 to 7.6% in Q1 2026, though down from 8.6% peak in Q2 2025.

ROIC recovered from -40.4% in Q4 2024 to 10.0% in Q1 2026, stabilizing around 9-10% range through 2025.

Operating margin declined from 16.1% in Q3 2025 to 14.9% in Q4 2025, suggesting potential moderation in profitability.

ROE and ROA both dipped in Q4 2025 before recovering slightly in Q1 2026, indicating earnings volatility.

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Available Research

13F Pro tracks comprehensive data for MainStreet Bancshares, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)
XBRL financial facts (revenue, EPS, margins)
Insider transactions (Form 4)
Institutional 13F holdings
Quality rankings (32 signals)
AI analyst debates & daily meetings
Historical financial trends
Peer comparison & sector analysis

Top Institutional Holders of MNSB

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Is MNSB a good stock to buy?

13F Pro's AI-powered analysis of MainStreet Bancshares, Inc. (MNSB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for MNSB are available on the MNSB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own MNSB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling MNSB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of MainStreet Bancshares, Inc.'s investment landscape.