Stocks MNSBP Financial statements
Financial statementsMainStreet Bancshares, Inc. financial statements
Income statement, balance sheet and cash flow statement for the last 8 fiscal years, taken from the XBRL data MainStreet Bancshares, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
| FY2019 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2.43 | 88.7 | 128 | 138 | 136 | |||
| Gross profit | 75.3 | 80.1 | 65.8 | 73.6 | ||||
| Selling, general and administrative | 0.58 | 0.73 | 0.67 | 0.69 | 0.87 | 0.92 | 0.93 | 1 |
| Selling and marketing | 0.61 | 0.91 | 1 | 1.57 | 2.3 | 2.34 | 2.2 | 2.05 |
| Interest expense | 12.7 | 19.4 | 16.1 | 10.7 | 13.8 | 48.2 | ||
| Interest income | 4.97 | 7.94 | 9.44 | 7.38 | ||||
| Pre-tax income | 11.3 | 17.3 | 19.6 | 28 | 33.4 | 32.8 | -13.9 | 19.1 |
| Income tax | 2.09 | 3.35 | 3.84 | 5.79 | 6.71 | 6.24 | -3.92 | 3.48 |
| Net income | 9.21 | 14 | 15.7 | 22.2 | 26.7 | 26.6 | -9.98 | 15.6 |
| EPS, basic | 1.38 | 1.69 | 1.85 | 2.65 | 3.26 | 3.25 | -1.60 | 1.76 |
| EPS, diluted | 1.38 | 1.69 | 1.85 | 2.65 | 3.26 | 3.25 | -1.60 | 1.76 |
| Shares, basic (weighted) | 6.65 | 8.25 | 8.13 | 7.56 | 7.53 | 7.52 | 7.61 | 7.65 |
| Shares, diluted (weighted) | 6.65 | 8.25 | 8.13 | 7.56 | 7.53 | 7.52 | 7.61 | 7.65 |
| Dividend per share | 0.25 | 0.40 | 0.40 | 0.40 |
Balance sheet
| FY2019 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | 58.1 | 64.8 | 108 | 93.2 | ||||
| Property, plant and equipment | 14.2 | 14.2 | 14.3 | 14.9 | 14.7 | 13.9 | 13.3 | 13.6 |
| Lease right-of-use assets | 6.59 | 6.2 | 7.15 | 6.69 | 6.21 | 5.76 | 5.22 | |
| Total assets | 1,101 | 1,277 | 1,643 | 1,647 | 1,878 | 2,035 | 2,228 | 2,213 |
| Total liabilities | 979 | 1,140 | 1,476 | 1,459 | 1,727 | 1,814 | 2,020 | 1,994 |
| Paid-in capital | 74.3 | 75.1 | 66.1 | 67.7 | 64 | 66 | 67.8 | 66.5 |
| Retained earnings | 15.2 | 29.1 | 44.2 | 64.2 | 86.8 | 107 | 91.2 | 102 |
| Other comprehensive income | -0.37 | 0.42 | 0.98 | 0.2 | -8.55 | -7.48 | -7.71 | -5.77 |
| Shareholders' equity | 121 | 137 | 168 | 189 | 198 | 222 | 208 | 219 |
| Total equity | 121 | 137 | 168 | 189 | 198 | 222 | 208 | 219 |
| Total liabilities and equity | 1,101 | 1,277 | 1,643 | 1,647 | 1,926 | 2,035 | 2,228 | 2,213 |
| Shares outstanding | 8.18 | 8.26 | 7.44 | 7.6 | 7.44 | 7.53 | 7.6 | 7.5 |
Cash flow statement
| FY2019 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|
| Net income | 9.21 | 14 | 15.7 | 22.2 | 26.7 | 26.6 | -9.98 | 15.6 |
| Depreciation and amortization | 0.98 | 1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.5 | 1.1 |
| Stock-based compensation | 0.88 | 1.04 | 1.53 | 1.89 | 2.52 | 2.49 | 2.84 | 2.59 |
| Deferred income tax | -1.04 | -0.46 | -1.75 | 0.34 | -0.89 | -0.19 | -4.53 | -0.64 |
| Cash from operations | 12.6 | 16.7 | 17 | 29.1 | 33.5 | 31.6 | 14.7 | 14.8 |
| Capital expenditures | -1.38 | -0.99 | -1.28 | -1.81 | -1.13 | -0.5 | -0.91 | -4.17 |
| Purchases of investments | -125 | -176 | -298 | -379 | -226 | 0 | -0.45 | -4.4 |
| Sales and maturities of investments | 115 | 135 | 235 | 417 | 245 | 0 | 1.45 | 1.5 |
| Cash from investing | -273 | -161 | -314 | -60.5 | -229 | -131 | -122 | -38.4 |
| Stock issued | 42.7 | |||||||
| Share buybacks | -13.8 | 0 | -6.92 | -0.04 | -0.73 | -4.34 | ||
| Dividends paid | 0 | -1.88 | -3.01 | -3.05 | -3.05 | |||
| Cash from financing | 281 | 151 | 339 | -14.2 | 233 | 83 | 201 | -21.4 |
| Net change in cash | 20.6 | 6.77 | 42.7 | -45.6 | 37.4 | -16.1 | 93.2 | -45 |
| Free cash flow | 11.2 | 15.7 | 15.7 | 27.3 | 32.4 | 31.1 | 13.8 | 10.6 |
| Interest paid | 12.1 | 19.5 | 16.4 | 10.2 | 12.6 | 45.5 | 70.9 | 62.2 |
| Income taxes paid | 2.62 | 4.16 | 4.62 | 6.84 | 6.38 | 7.28 | 1.28 | 0.17 |
Key metrics
Profitability
| Metric | Value | How it is calculated |
|---|---|---|
| Pre-tax margin | 32.1% | Pre-tax income / revenue. |
| Net margin | 25.7% | Net income / revenue. |
| FCF margin | 34.4% | Free cash flow (cash from operations - capital expenditures) / revenue. |
| Operating cash flow margin | 35.1% | Cash from operations / revenue. |
| Effective tax rate | 20.0% | Income tax / pre-tax income, when pre-tax income is positive. |
| Return on equity (ROE) | 8.1% | Net income / average shareholders' equity (opening and closing). Not shown when equity is negative. |
| Return on assets (ROA) | 0.8% | Net income / average total assets. |
| SG&A / revenue | 1.4% | Selling, general and administrative expense / revenue. |
| Stock-based pay / revenue | 3.8% | Stock-based compensation (from the cash flow statement) / revenue. |
| Capex / revenue | 0.7% | Capital expenditures / revenue. |
| D&A / revenue | 6.5% | Depreciation and amortization / revenue. |
Growth
| Metric | Value | How it is calculated |
|---|---|---|
| Revenue growth, 1y | -1.6% | Revenue vs the same period a year earlier. Only from a positive base. |
| Revenue CAGR, 3y | 15.2% | Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Gross profit growth, 1y | 11.8% | Gross profit vs the same period a year earlier. Only from a positive base. |
| Gross profit CAGR, 3y | -0.8% | Compound annual growth of gross profit over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Net income CAGR, 3y | -16.4% | Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Net income CAGR, 5y | -0.1% | Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| EPS CAGR, 3y | -18.6% | Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| EPS CAGR, 5y | -1.0% | Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Operating cash flow growth, 1y | 0.5% | Operating cash flow vs the same period a year earlier. Only from a positive base. |
| Operating cash flow CAGR, 3y | -23.9% | Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Operating cash flow CAGR, 5y | -2.7% | Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Free cash flow growth, 1y | -23.1% | Free cash flow vs the same period a year earlier. Only from a positive base. |
| Free cash flow CAGR, 3y | -31.0% | Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Free cash flow CAGR, 5y | -7.5% | Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Dividend per share growth, 1y | 0.0% | Dividend per share vs the same period a year earlier. Only from a positive base. |
| Dividend per share CAGR, 3y | 17.0% | Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Book value growth, 1y | 5.1% | Book value vs the same period a year earlier. Only from a positive base. |
| Book value CAGR, 3y | 3.3% | Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Book value CAGR, 5y | 5.4% | Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Total assets growth, 1y | -0.7% | Total assets vs the same period a year earlier. Only from a positive base. |
| Total assets CAGR, 3y | 5.6% | Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Total assets CAGR, 5y | 6.1% | Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Share count change, 1y | 0.6% | Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution. |
| Share count change per year, 3y | 0.5% | Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution. |
| Share count change per year, 5y | -1.2% | Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution. |
Balance sheet health
| Metric | Value | How it is calculated |
|---|---|---|
| Liabilities / assets | 90.4% | Total liabilities / total assets. |
| Tangible book value | $214.4M | Shareholders' equity - goodwill - intangible assets. |
Efficiency
| Metric | Value | How it is calculated |
|---|---|---|
| Asset turnover | 0.03x | Revenue / average total assets. |
| Fixed asset turnover | 5.12x | Revenue / average property, plant and equipment. |
| FCF conversion | 133.9% | Free cash flow / net income, when net income is positive. |
| Capex / operating cash flow | 2.1% | Capital expenditures / cash from operations, when that is positive. |
Per share
| Metric | Value | How it is calculated |
|---|---|---|
| EPS, diluted | $2.42 | Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS. |
| Revenue per share | $9.40 | Revenue / diluted weighted shares. |
| FCF per share | $3.24 | Free cash flow / diluted weighted shares. |
| Operating cash flow per share | $3.30 | Cash from operations / diluted weighted shares. |
| Book value per share | $30.13 | Shareholders' equity / shares outstanding (diluted weighted shares when not reported). |
| Tangible book per share | $30.13 | Tangible book value / shares outstanding. |
| Payout ratio | 17.2% | Dividends paid / net income, when net income is positive. |
| Dividends / FCF | 12.9% | Dividends paid / free cash flow, when free cash flow is positive. |
| Buybacks / FCF | 64.4% | Share buybacks / free cash flow, when free cash flow is positive. |
Valuation
| Metric | Value | How it is calculated |
|---|---|---|
| Market cap | $176.4M | Share price x shares outstanding. |
| Enterprise value | $176.4M | Market cap + total debt - cash - short-term investments. |
| P/E | 10.2x | Market cap / net income. Only when net income is positive. |
| P/S | 2.61x | Market cap / revenue. |
| P/B | 0.82x | Market cap / shareholders' equity. Only when equity is positive. |
| Price / tangible book | 0.82x | Market cap / tangible book value, when positive. |
| P/FCF | 7.59x | Market cap / free cash flow. Only when free cash flow is positive. |
| P/OCF | 7.44x | Market cap / cash from operations, when positive. |
| EV/Sales | 2.61x | Enterprise value / revenue. |
| EV/FCF | 7.59x | Enterprise value / free cash flow, when both are positive. |
| FCF yield | 13.2% | Free cash flow / market cap. |
| Earnings yield | 9.8% | Net income / market cap (the inverse of P/E). |
| Dividend yield | 1.7% | Dividends paid over the period / market cap. |
| Shareholder yield | 10.2% | (Dividends paid + share buybacks) / market cap. |
What was MainStreet Bancshares, Inc.'s revenue in fiscal 2025?
MainStreet Bancshares, Inc. reported revenue of $135.6M for fiscal 2025, 1.6% lower than the year before.
Was MainStreet Bancshares, Inc. profitable in fiscal 2025?
Yes. Net income was $15.6M, a net margin of 11.5%.
How much free cash flow did MainStreet Bancshares, Inc. generate in fiscal 2025?
Cash from operations of $14.8M minus capital expenditures of $4.2M left free cash flow of $10.6M.