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MainStreet Bancshares

MNSBP
46
Banks - Regional · Financial Services
Price
$25.90
+0.00 (+0.00%)
Market Cap
$169.7M
Exchange
NASDAQ Capital Market
Winston Score
46
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 26, 2026 · filings through Jun 30, 2026
How the score breaks down
Growth
Mixed
Valuation
Good
Dividends
Good

Share count rising — dilution

+1.2% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 7.6M (2021) → 7.7M (2025)

Winston Score History

The full picture

MainStreet Bancshares, Inc. operates as the parent company for MainStreet Bank, which delivers a comprehensive suite of banking products and services. These offerings cater to a diverse clientele, including individual customers, small and medium-sized businesses, and professional organizations. The bank provides a wide array of deposit accounts such as demand, NOW, money market, savings, and sweep accounts, alongside certificates of deposit (CDs). Its depository services also extend to various business and consumer checking options, interest-bearing checking accounts, and tailored business account analysis. MainStreet Bank offers diverse lending solutions, with its commercial loan portfolio encompassing financing for government contract receivables, plant and equipment, general working capital, contract administration, and business acquisitions. Additionally, the bank provides commercial real estate, real estate construction, and residential real estate loans. For individual consumers, it offers term loans and overdraft protection, complemented by debit and credit card services. Beyond traditional banking, the company facilitates modern financial management through services like cash management, wire transfers, check imaging, remote deposit capture, and courier services. Customers also benefit from deposit insurance solutions, internet bill payment, online cash management tools, and convenient online and mobile banking platforms. As of March 18, 2022, MainStreet Bank maintained six physical branch locations in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., supported by a broad network of 55,000 automated teller machines. MainStreet Bancshares, Inc. was established in 2003 and has its primary corporate office situated in Fairfax, Virginia.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
-6.3%
Shrinking sales (-6.3% YoY)
Profit growth
EPS YoY
N/A
Data not available
How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
12.8x
Attractive valuation — P/E 12.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.0
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
7.24%
Healthy income — 7.24% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
+0.0%
Dividend flat

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