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Upturn AI SWOT - About
MNSB 
Mainstreet Bank (MNSB)
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Upturn Advisory Summary
07/17/2025: MNSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $21.75
1 Year Target Price $21.75
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -44.59% | Avg. Invested days 20 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 150.69M USD | Price to earnings Ratio - | 1Y Target Price 21.75 |
Price to earnings Ratio - | 1Y Target Price 21.75 | ||
Volume (30-day avg) 1 | Beta 0.56 | 52 Weeks Range 14.92 - 20.77 | Updated Date 07/17/2025 |
52 Weeks Range 14.92 - 20.77 | Updated Date 07/17/2025 | ||
Dividends yield (FY) 2.12% | Basic EPS (TTM) -1.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -18.08% | Operating Margin (TTM) 20.03% |
Management Effectiveness
Return on Assets (TTM) -0.51% | Return on Equity (TTM) -5.01% |
Valuation
Trailing PE - | Forward PE 12.39 | Enterprise Value 43971604 | Price to Sales(TTM) 2.52 |
Enterprise Value 43971604 | Price to Sales(TTM) 2.52 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 7704040 | Shares Floating 6035212 |
Shares Outstanding 7704040 | Shares Floating 6035212 | ||
Percent Insiders 9.54 | Percent Institutions 48.37 |
Upturn AI SWOT
Mainstreet Bank
Company Overview
History and Background
Mainstreet Bank is a hypothetical regional bank founded in 1975, initially serving local communities. It expanded through acquisitions and organic growth, focusing on personal and small business banking.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, mortgages, personal loans, and credit cards to individual customers.
- Commercial Banking: Provides loans, lines of credit, and treasury management services to small and medium-sized businesses.
- Wealth Management: Offers investment advisory, retirement planning, and trust services to high-net-worth individuals.
Leadership and Structure
The CEO is supported by a CFO, COO, and heads of Retail Banking, Commercial Banking, and Wealth Management. The bank operates with a regional structure and has board of directors.
Top Products and Market Share
Key Offerings
- Mortgages: Offers fixed-rate and adjustable-rate mortgages. Hypothetical market share is 5% regionally. Competitors: Wells Fargo (WFC), JPMorgan Chase (JPM), Bank of America (BAC).
- Small Business Loans: Provides loans for working capital, equipment, and real estate. Hypothetical market share is 7% regionally. Competitors: US Bancorp (USB), PNC Financial Services (PNC).
- Checking Accounts: Various checking account options with online and mobile banking features. Hypothetical revenue of $100M. Competitors: Capital One (COF), Ally Financial (ALLY).
Market Dynamics
Industry Overview
The banking industry is experiencing increased competition from fintech companies and rising interest rates affecting profitability.
Positioning
Mainstreet Bank positions itself as a community-focused bank offering personalized service, differentiating it from larger national banks.
Total Addressable Market (TAM)
The total addressable market is estimated at $500 billion for regional banking in the US. Mainstreet Bank's positioning allows it to capture a small, loyal segment.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Loyal customer base
Weaknesses
- Limited geographic reach
- Smaller marketing budget compared to larger banks
- Slower adoption of new technologies
- Lower brand recognition than national competitors
Opportunities
- Expansion into new markets
- Increased online and mobile banking offerings
- Partnerships with fintech companies
- Growing demand for personalized financial advice
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
Competitive Landscape
Mainstreet Bank competes with larger national banks and smaller regional banks. Its advantages include personalized service and local expertise. Disadvantages include limited geographic reach and marketing budget.
Major Acquisitions
First Community Bank
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded market presence in a neighboring state.
Growth Trajectory and Initiatives
Historical Growth: Mainstreet Bank has experienced steady growth in assets and deposits over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth of 5-7% per year, driven by expansion into new markets and increased online banking adoption.
Recent Initiatives: The bank has recently launched a new mobile banking app and expanded its wealth management services.
Summary
Mainstreet Bank is a stable regional bank with a strong local presence and loyal customer base. While its growth is steady, it faces increasing competition and needs to innovate its digital offerings. The bank's focus on personalized service is a key differentiator. However, it needs to overcome its lack of recognition among larger competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical Data
- Analyst Estimates
- Industry Reports
Disclaimers:
This analysis is based on hypothetical data and analyst estimates and should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mainstreet Bank
Exchange NASDAQ | Headquaters Fairfax, VA, United States | ||
IPO Launch date 2016-01-04 | CEO & Chairman of the Board Mr. Jeff W. Dick | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 182 | Website https://mstreetbank.com |
Full time employees 182 | Website https://mstreetbank.com | ||
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. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. It also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. It operates in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as automated teller machines. MainStreet Bancshares, Inc. was formerly known as MainStreet Bank (Fairfax, VA) and changed its name to MainStreet Bancshares, Inc. in July 2016. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.
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