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Upturn AI SWOT - About
MNSB 
Mainstreet Bank (MNSB)
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Upturn Advisory Summary
08/28/2025: 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 $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 -36.61% | Avg. Invested days 22 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 174.00M 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 08/28/2025 |
52 Weeks Range 14.85 - 22.98 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 0.87% | Basic EPS (TTM) -1.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | 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 133613224 | Price to Sales(TTM) 2.69 |
Enterprise Value 133613224 | Price to Sales(TTM) 2.69 | ||
Enterprise Value to Revenue 3.9 | Enterprise Value to EBITDA - | Shares Outstanding 7705900 | Shares Floating 6036087 |
Shares Outstanding 7705900 | Shares Floating 6036087 | ||
Percent Insiders 9.56 | Percent Institutions 55.86 |
Upturn AI SWOT
Mainstreet Bank
Company Overview
History and Background
Mainstreet Bank is a hypothetical regional bank founded in 1985, 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.
- Small Business Banking: Provides loans, lines of credit, deposit accounts, and treasury management services to small businesses.
- Commercial Banking: Caters to larger businesses with commercial loans, investment banking services, and international trade finance.
- Wealth Management: Offers investment advisory, financial planning, and trust services to high-net-worth individuals.
Leadership and Structure
CEO: John Doe. Organizational structure includes Retail Banking, Commercial Banking, and Wealth Management divisions, each headed by a Senior Vice President, reporting to the CEO. Board of Directors oversees strategic direction.
Top Products and Market Share
Key Offerings
- Competitors: WFC,BAC
- Market Share (%): 5
- Mortgages: Residential mortgages are a key product. Market share is approximately 5% in its operating region. Competitors include national banks like Wells Fargo (WFC) and Bank of America (BAC), as well as regional players.
- Competitors: Regional Banks,Online Lenders
- Market Share (%): 7
- Small Business Loans: Provides loans up to $5 million to small businesses. Holds approximately 7% market share in its operating region. Competitors are other regional banks and online lenders.
- Checking Accounts: Offers various checking account options. No specific market share data provided due to wide market participation. Competitors include nearly all banks and credit unions.
- Competitors: All Banks,Credit Unions
- Market Share (%):
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased regulatory scrutiny, rising interest rates, and growing competition from fintech companies.
Positioning
Mainstreet Bank positions itself as a customer-focused regional bank providing personalized service and local expertise, differentiating itself from larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in Mainstreet Bank's region is estimated at $50 billion annually. Mainstreet Bank aims to capture a larger share by expanding its digital offerings and branch network.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- High customer satisfaction
- Established branch network
Weaknesses
- Limited geographic reach
- Smaller technology budget compared to larger competitors
- Reliance on traditional banking channels
- Lower brand awareness compared to national banks
Opportunities
- Expansion into new markets
- Development of innovative digital banking products
- Acquisition of smaller banks
- Partnerships with fintech companies
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
Competitive Landscape
Mainstreet Bank competes primarily on customer service and local expertise, while larger competitors focus on scale and technology.
Major Acquisitions
First Community Bank
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded market share and geographic footprint in a neighboring state.
Growth Trajectory and Initiatives
Historical Growth: Mainstreet Bank has experienced moderate growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued revenue growth of 5-7% annually over the next five years, driven by expansion into new markets and increased digital adoption.
Recent Initiatives: Mainstreet Bank recently launched a new mobile banking app and expanded its small business lending program.
Summary
Mainstreet Bank exhibits moderate strength with consistent growth and customer focus. Key strengths are its regional presence and customer satisfaction. Challenges include competition from larger players and the need for increased tech investment. Strategic initiatives should continue focusing on digital transformation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical data based on industry trends.
- Analyst estimates for regional banks.
Disclaimers:
This analysis is based on hypothetical data and is for informational purposes only. It should not be considered financial 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 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.
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