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Upturn AI Summary - About
Mainstreet Bank(MNSB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MNSB
11/10/2026: MNSB (1-star) is currently NOT-A-BUY. Pass it for now.
Mainstreet Bank (MNSB) is a community-focused institution providing commercial and retail banking services in the Washington D.C. metropolitan area. The company has a leading position in niche lending for government contractors and professional services, which has historically served as a reliable driver of growth. Its main investment appeal lies in its relationship-based service model and organic growth profile. However, investors should note risks such as geographic concentration, interest rate sensitivity, and competition from larger regional banks. The stock may best suit value-oriented investors seeking regional financial exposure, and market participants should monitor the bank's credit quality and net interest margins closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company shows steady organic growth but lacks the aggressive scale typical of high-growth technology sectors. |
| Momentum investor | Weak fit | Bank stocks are typically driven by interest rate cycles and macro factors rather than short-term price momentum. |
| Value investor | Strong fit | Regional banks are often priced based on tangible book value and recurring earnings, fitting a value-oriented approach. |
| Dividend investor | Mixed fit | The dividend yield is dependent on the bank's capital allocation strategy and regulatory requirements. |
| Low-risk investor | Mixed fit | Banking involves inherent credit and interest rate risks that may exceed the tolerance of extremely conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate announcements and economic forecasts. |
| Valuation risk | Medium | Investors must be careful not to overpay for bank stocks during periods of peak earnings. |
| Competition risk (regional banking competition) | High | Large regional competitors can exert pricing pressure on loan products. |
| Business quality | Medium | The bank maintains a solid core business focused on relationships, though it lacks the scale of national competitors. |
| Dividend income | Medium | Dividend payouts depend on the bank's internal capital needs for growth. |
| Execution risk | Medium | Success depends on the leadership team's ability to navigate credit cycles and local market trends. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -49.05% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 155.84M USD | Price to earnings Ratio 11.12 | 1Y Target Price 24.5 |
Price to earnings Ratio 11.12 | 1Y Target Price 24.5 | ||
Volume (30-day avg) 36.5K shares | Beta 0.57 | 52 Weeks Range 17.84 - 25.75 | Updated Date 11/10/2026 |
52 Weeks Range 17.84 - 25.75 | Updated Date 11/10/2026 | ||
Dividends yield (FY) 0.90% | Basic EPS (TTM) 1.97 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The primary source of profit is the spread between what the bank earns on loans and pays on deposits. |
| Fee-Based Income | Service charges on deposit accounts and treasury management fees. | A supplementary income stream derived from transactional services provided to business clients. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When Before Market | Estimate 0.58 | Actual 0.43 |
Profitability
Profit Margin 22.96% | Operating Margin (TTM) 27.57% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 7.58% |
Valuation
Trailing PE 11.12 | Forward PE 12.39 | Enterprise Value 149.16M | Price to Sales(TTM) 2.18 |
Enterprise Value 149.16M | Price to Sales(TTM) 2.18 | ||
Enterprise Value to Revenue 3.42 | Enterprise Value to EBITDA - | Shares Outstanding 7.12M | Shares Floating 5.15M |
Shares Outstanding 7.12M | Shares Floating 5.15M | ||
Percent Insiders 16.36 | Percent Institutions 58.91 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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