10-K · March 13, 2026
MainStreet Bancshares positions itself as a community commercial bank focused on Northern Virginia and the Washington, D.C. metro area, emphasizing local decision-making, personalized service and digital capabilities.…
Earnings analysis · 10-Q
MNSB earnings analysis
Filed May 8, 2026 · Our reading of the company's report
The latest report
MainStreet Bancshares, Inc. reported a strong quarter with an increase in EPS to $0.48, beating consensus estimates of $0.45 and marking a significant improvement from $0.25 in the same quarter last year. Revenue fell…
Read full summary
MainStreet Bancshares, Inc. reported a strong quarter with an increase in EPS to $0.48, beating consensus estimates of $0.45 and marking a significant improvement from $0.25 in the same quarter last year. Revenue fell short of expectations at $17.9 million for Q1 2026, down from $34 million in the previous quarter, primarily due to decreased loan interest income amid a challenging interest rate environment.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.48
What stood out
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EPS Beat Expectations
EPS of $0.48 exceeded consensus of $0.45, up from $0.25 in Q1 2025.
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Improvement in Net Interest Income
Net interest income rose 6% year-over-year to $17.6 million despite a decrease in total interest income.
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Increase in Cash Position
Cash and equivalents increased to $168.1 million from $162.8 million at year-end.
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Strong Loan Growth
Net loans grew $9.1 million or 0.5% to $1.85 billion as of March 31, 2026.
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Robust Capital Ratios
Total capital to risk-weighted assets stood at 15.64%, well above regulatory minimums.
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Controlled Non-Interest Expenses
Non-interest expenses decreased by 11.5%, to $12.7 million from $14.3 million year-over-year.
What to watch
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Revenue Missed Consensus
Reported revenue of $17.9 million fell short of $18.5 million consensus.
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Increase in Classified Loans
Classified loans increased significantly to $111.3 million, raising concerns about asset quality.
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Liquidity Risk from Deposit Outflows
Non-interest-bearing demand deposits decreased by $19.6 million, highlighting potential liquidity risk.
Management's outlook
No explicit numeric guidance provided; challenges noted in maintaining revenue amid changing interest rates.
Earlier filings 4
10-Q · November 7, 2025
MainStreet Bancshares posted Q3 2025 results with revenue of $18.224 million, falling short of the $18.9 million consensus estimate. However, the EPS of $0.52 exceeded estimates by 1.96%. Management noted operational…
10-Q · May 9, 2025
MainStreet Bancshares reported Q1 2025 operating revenue of $17,449,000 (net interest income $16,510,000 + non-interest income $939,000), up $1,028,000 (+6.3%) vs Q1 2024. However, net income fell to $2,453,000 (diluted…
10-K · March 14, 2025
MainStreet Bancshares (MNSB) positions itself as a local community bank focused on Northern Virginia and the greater Washington, D.C. area, combining personalized relationship banking with modern technology and a newly…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.