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Mainstreet Bancshares, Inc. key statistics and ratios

In fiscal 2025, Mainstreet Bancshares, Inc. had return on equity of 7.3% and a net margin of 11.5%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin26.8%31.5%29.4%37.2%30.1%20.8%−7.2%11.5%25.7%
Return on equity7.6%10.8%10.3%12.4%13.8%12.7%−4.6%7.3%8.0%
Return on assets0.8%1.2%1.1%1.3%1.5%1.4%−0.5%0.7%0.8%
Effective tax rate18.5%19.4%19.6%20.7%20.1%19.0%—18.2%20.0%
SG&A as % of revenue1.7%1.7%1.3%1.1%1.0%0.7%0.7%0.7%1.4%
Dividends ÷ net income———0.0%7.1%11.3%—19.5%17.2%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

57 /100

Moderate moat

How hard Mainstreet Bancshares's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 11 / 20

    Net income has been a median 1.0% of total assets over 8 years.

  • Durability 9 / 20

    Net margin has been a median 28.5%; its worst year was -6.3%.

  • Discipline 17 / 20

    The diluted share count fell 3.6% over five years; stock-based pay has been a median 2.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (62 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: FNWB vs MNSBJMSB vs MNSBMNSB vs QNBC

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Mainstreet Bancshares, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Mainstreet Bancshares, Inc.