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Upturn stock ratingUpturn stock rating
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Mainstreet Bank (MNSB)

Upturn stock ratingUpturn stock rating
$20.31
Last Close (24-hour delay)
Profit since last BUY0.54%
upturn advisory
Consider higher Upturn Star rating
BUY since 4 days
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

07/10/2025: MNSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$21.75 Target price
52w Low $14.92
Current$20.31
52w High $20.77

Analysis of Past Performance

Type Stock
Historic Profit -42.61%
Avg. Invested days 20
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/10/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 156.47M 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 07/10/2025
52 Weeks Range 14.92 - 20.77
Updated Date 07/10/2025
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) 2.61
Enterprise Value 43971604
Price to Sales(TTM) 2.61
Enterprise Value to Revenue 3.82
Enterprise Value to EBITDA -
Shares Outstanding 7704040
Shares Floating 6035212
Shares Outstanding 7704040
Shares Floating 6035212
Percent Insiders 9.54
Percent Institutions 48.37

ai summary icon Upturn AI SWOT

Mainstreet Bank

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 182

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.