MainStreet Bancshares, Inc. (MNSBP)
MainStreet Bancshares, Inc. brought in $34.4M of revenue over the twelve months to September 30, 2026, down 75.2% from a year earlier. Net income was $16.4M, a net margin of 47.7%. Operating cash flow minus capital spending left $10.6M of free cash flow in fiscal 2025. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about MainStreet Bancshares, Inc.
- Net worth
- MainStreet Bancshares, Inc. has a market value (market cap) of $163.7M at the latest share price, and shareholders' equity of $214.9M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $135.6M (-1.6% year on year), with net income of $15.6M. Over the 12 months to September 30, 2026: revenue $34.4M, net income $16.4M.
- Cash flow
- In fiscal 2025 operations brought in $14.8M of cash; after $4.2M of capital spending, free cash flow was $10.6M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- MainStreet Bancshares, Inc.'s next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- MainStreet Bancshares, Inc. declared dividends of $0.40 per share in fiscal 2025, a yield of 1.74% at the current price.
What MainStreet Bancshares, Inc. does
MainStreet Bancshares, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker MNSBP.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $135.6M | $15.6M | $1.76 | $10.6M |
| 2024 | $137.9M | -$10M | -$1.60 | $13.8M |
| 2023 | $127.8M | $26.6M | $3.25 | $31.1M |
| 2022 | $88.7M | $26.7M | $3.26 | $32.4M |
| 2021 | $2.4M | $22.2M | $2.65 | $27.3M |
| 2020 | n/a | $15.7M | $1.85 | $15.7M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where MNSBP ranks in Finance
Dividends
MainStreet Bancshares, Inc. declared $0.40 per share in fiscal 2025. At the current price that is a yield of 1.74%. It paid out $3.1M in cash dividends, 20% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.40 | $3.1M | 20% |
| 2024 | $0.40 | $3M | n/a |
| 2023 | $0.40 | $3M | 11% |
| 2022 | $0.25 | $1.9M | 7% |
| 2021 | n/a | $0 | 0% |
Latest SEC filings
What MainStreet Bancshares, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 98% to $542K versus the same quarter last year; diluted EPS $0.43 versus $0.52.
- October 27, 2026Other event 8-K
- October 26, 2026
- October 20, 2026
- August 21, 2026Other event 8-K
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue fell 98% to $552K versus the same quarter last year; diluted EPS $0.58 versus $0.53.
- July 29, 2026Passive stake (5% or more) SCHEDULE 13G
- July 21, 2026Other event 8-K
What is MNSBP worth? A DCF from its reported cash flow
Insider trades
What the people running MainStreet Bancshares, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 2 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 1, 2026 | Higgins Joan MorganDirector - MainStreet Bank | Received as pay | 971 | $24K |
| October 1, 2026 | Hall Wendy AdelerDirector | Received as pay | 849 | $21K |
| July 1, 2026 | Higgins Joan MorganDirector - MainStreet Bank | Received as pay | 973 | $24K |
| July 1, 2026 | Hall Wendy AdelerDirector | Received as pay | 973 | $24K |
| July 1, 2026 | DeLeon Rafael EDirector | Received as pay | 753 | $18.6K |
| July 1, 2026 | Green DarrellDirector | Received as pay | 851 | $21K |
| June 4, 2026 | Vari Richard AlexanderChief Financial Officer | Sold | 4,500 | $104.4K |
| April 3, 2026 | Rust Patsy IDirector | Received as pay | 534 | $12K |
Who owns MNSBP
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| AllianceBernstein L.P.13G, passive | 5.9% | August 14, 2026 |
| Banc Fund X L.P.13G, passive with 3 related filers | 5.6% | February 13, 2026 |
| MainStreet Bank 401(k) Retirement Plan13G, passive | 5.1% | February 24, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 97 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Banc Funds Co LLC | 545,679 | +14,738 |
| BlackRock, Inc. | 404,037 | +56,429 |
| Alliancebernstein L.P. | 418,393 | -136,330 |
| Wellington Management Group Llp | 336,961 | -15,745 |
| Vanguard Capital Management LLC | 262,466 | -39,021 |
| Dimensional Fund Advisors LP | 205,014 | +38,381 |
| First Manhattan Co. LLC. | 161,731 | -26,377 |
| Geode Capital Management, LLC | 152,196 | +5,028 |
| Marshall Wace, Llp | 120,194 | +13,969 |
| State Street Corp | 109,465 | +9,254 |
| American Century Companies Inc | 101,604 | +49,060 |
| Bridgeway Capital Management, LLC | 66,551 | +2,775 |
| Cresset Asset Management, LLC | 59,040 | -12,960 |
| Citadel Advisors LLC | 58,344 | +34,826 |
| Northern Trust Corp | 48,150 | +1,215 |
| Fourthstone LLC | 47,432 | -337,370 |
| Vanguard Portfolio Management LLC | 42,813 | +3,152 |
| Trexquant Investment LP | 39,525 | +22,486 |
| Vanguard Fiduciary Trust Co | 39,018 | +67 |
| Squarepoint Ops LLC | 37,233 | -13,641 |
Insiders
14 insiders reported holding 541,667 shares in total, about $12.5M at the last price.
| Holder | Shares |
|---|---|
| Dick Jeff WChairman, President and CEO, Director | 206,977 |
| Brockett Charles C.Director | 93,942891 held indirectly |
| Chmelik Thomas JSenior EVP, Director | 60,962 |
| Green DarrellDirector | 35,556 |
| Vari Richard AlexanderChief Financial Officer | 34,036 |
| Hersiburane AbdulhamidPresident, MainSteet Bank | 33,502 |
| Rust Patsy IDirector | 26,130 |
| DeLeon Rafael EDirector | 15,301 |
| Manouchehri Ali RDirector - MainStreet Bank | 8,989 |
| Freesmeier WilliamSVP, Chief of Staff | 8,668 |
Questions about MNSBP
What does MainStreet Bancshares, Inc. do?
MainStreet Bancshares, Inc. is a company in the Finance sector, listed on NASDAQ as MNSBP. Its shares trade on NASDAQ under the ticker MNSBP.
What is MainStreet Bancshares, Inc.'s net worth?
MainStreet Bancshares, Inc. has a market value (market cap) of $163.7M at the latest share price, and shareholders' equity of $214.9M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is MainStreet Bancshares, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $16.4M on revenue of $34.4M, a net margin of 47.7%.
How much revenue does MainStreet Bancshares, Inc. make?
Over the twelve months to September 30, 2026 MainStreet Bancshares, Inc. reported revenue of $34.4M. That is 75.2% less than a year earlier.
When did MainStreet Bancshares, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is MainStreet Bancshares, Inc.'s next earnings report?
MainStreet Bancshares, Inc.'s next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does MainStreet Bancshares, Inc. pay a dividend?
Yes. MainStreet Bancshares, Inc. declared dividends of $0.40 per share in fiscal 2025, a yield of 1.74% at the current price.
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Where the numbers come from
Financial figures are the values MainStreet Bancshares, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.