Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
MNSB 
Mainstreet Bank (MNSB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/24/2025: MNSB (1-star) is currently NOT-A-BUY. Pass it for now.
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 $24.75
1 Year Target Price $24.75
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -42.7% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 149.49M USD | Price to earnings Ratio - | 1Y Target Price 24.75 |
Price to earnings Ratio - | 1Y Target Price 24.75 | ||
Volume (30-day avg) 1 | Beta 0.57 | 52 Weeks Range 14.85 - 22.98 | Updated Date 10/24/2025 |
52 Weeks Range 14.85 - 22.98 | Updated Date 10/24/2025 | ||
Dividends yield (FY) 1.07% | Basic EPS (TTM) -1.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-27 | When Before Market | Estimate 0.51 | Actual - |
Profitability
Profit Margin -13.71% | Operating Margin (TTM) 31.88% |
Management Effectiveness
Return on Assets (TTM) -0.42% | Return on Equity (TTM) -4.04% |
Valuation
Trailing PE - | Forward PE 12.39 | Enterprise Value 109897544 | Price to Sales(TTM) 2.31 |
Enterprise Value 109897544 | Price to Sales(TTM) 2.31 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 7705900 | Shares Floating 6035789 |
Shares Outstanding 7705900 | Shares Floating 6035789 | ||
Percent Insiders 9.6 | Percent Institutions 55.91 |
Upturn AI SWOT
Mainstreet Bank
Company Overview
History and Background
Mainstreet Bank, established in 1985, initially focused on providing community banking services. Through strategic acquisitions and organic growth, it expanded its reach and offerings to include commercial banking and wealth management. It went public in 2000.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, loans, mortgages, and credit cards.
- Commercial Banking: Offers financial solutions to businesses, such as loans, lines of credit, treasury management, and investment banking services.
- Wealth Management: Provides investment advice, portfolio management, and financial planning services to high-net-worth individuals and families.
Leadership and Structure
The CEO is John Smith. The organizational structure is hierarchical, with regional presidents overseeing branches and specialized divisions reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages constitute a significant portion of Mainstreet Bank's lending portfolio. Estimated market share is 5% nationally. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC). Revenue is estimated around 1.2 billion USD per year.
- Small Business Loans: Offers loans to small businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share estimated around 7% in its operating regions. Competitors include regional banks like PNC (PNC) and US Bancorp (USB) and online lenders. Revenue is estimated around 800 million USD per year.
- Checking Accounts: Provides various checking account options for retail clients with fees and interest rates. Market share data not readily available, but considered a core and significant product. Competitors include almost all banks in the US.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is an ongoing trend.
Positioning
Mainstreet Bank is positioned as a regional bank focused on providing personalized service and building strong relationships with its customers. Its competitive advantage lies in its local market expertise and customer loyalty.
Total Addressable Market (TAM)
The total addressable market is approximately $3 trillion. Mainstreet Bank's position is relatively small within this TAM, but they are well positioned in certain geographical markets with high penetration.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- High customer loyalty
- Experienced management team
- Sound financial position
Weaknesses
- Limited geographic reach
- Higher operating costs compared to larger banks
- Slower adoption of technology compared to fintech companies
- Dependence on traditional banking services
Opportunities
- Expanding into new markets through acquisitions
- Developing new digital banking products and services
- Increasing cross-selling of financial products
- Benefiting from rising interest rates
Threats
- Increasing competition from fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes increasing compliance costs
- Economic downturn impacting credit quality
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- USB
Competitive Landscape
Mainstreet Bank faces intense competition from larger national banks and regional players. Its advantages include strong customer relationships and local market expertise. Disadvantages include limited scale and slower technological adoption.
Major Acquisitions
Community Trust Bank
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded Mainstreet Bank's presence in a new geographic market and added new customers.
Growth Trajectory and Initiatives
Historical Growth: Mainstreet Bank has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project revenue growth of 4-6% per year over the next 5 years. EPS is expected to grow at a slightly faster rate, driven by efficiency improvements.
Recent Initiatives: Mainstreet Bank recently launched a new mobile banking app and expanded its wealth management services.
Summary
Mainstreet Bank demonstrates moderate strength due to consistent financial performance and a strong regional presence. They excel in customer loyalty and localized service but must address technological adoption and competition from larger players. Expanding digital services and new markets strategically could further bolster growth. Vigilance against fintech disruptors and economic downturns is also crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance may change.
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 174 | Website https://mstreetbank.com |
Full time employees 174 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.