MainStreet Bancshares, Inc. operates as the parent entity for MainStreet Bank, which delivers a comprehensive suite of financial products and services. Its ...
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Est. EPS $0.58 · Revenue $21.80M · 1 analysts
Est. EPS $0.60 · Revenue $22.50M · 1 analysts
Est. EPS $2.26 · Revenue $85.70M · 1 analysts
Est. EPS $0.55 · Revenue $21.81M · 1 analysts
$0.40 per share
$0.40 per share
EPS $0.52 · Revenue $33.44M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $135.9M | -1.4% | +4.3% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $15.6M | +256.4% | +13.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +54.4% | +27.0% | -1.4% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +14.0% | +239.3% | +10.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +11.5% | +258.7% | +9.2% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $10.6M | +18.8% | -25.4% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +7.8% | +20.6% | -28.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 32.0% | -8.9% | +0.3% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.02x | -31.0% | -82.1% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $2.2B | -0.7% | +0.9% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 1.76 vs 1.85 | -4.9% | 0.57 vs 0.53 | +7.5% |
| Revenue Surprise | $135.9M vs $75.9M | +79.0% | $33.0M vs $21.1M | +56.3% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Jul 1, 2026 | GREEN DARRELL | director | Common Stock | A | 851 | $24.69 |
| Jul 1, 2026 | DeLeon Rafael E | director | Common Stock | A | 753 | $24.69 |
| Jul 1, 2026 | Hall Wendy Adeler | director | Common Stock | A | 973 | $24.69 |
| Jul 1, 2026 | Higgins Joan Morgan | other: Director - MainStreet Bank | Common Stock | A | 973 | $24.69 |
| Jun 4, 2026 | Vari Richard Alexander | officer: Chief Financial Officer | Common Stock | D | 4,500 | $23.20 |
Jeff Dick: Good afternoon, and thank you for joining our second quarter 2026 earnings webcast. My name is Jeff Dick. I'm the Chairman and CEO of MainStreet Bancshares, Inc. and MainStreet Bank. With me today is our Chief Financial Officer, Alex Vari; and our Chief Lending Officer, Tom Floyd. Chris Marinac, Director of Research for Brean Capital will join us at the end of the call today with his questions. This function is private, so what you write won't be visible to anyone else. We will address your questions at the end of the presentation. I'd like to take a moment to point to our safe harbor page that describes the context of forward-looking statements that we may make today. Please also know that we may use certain non-GAAP measures, which are identified as such within the presentation materials. The D.C. metropolitan area is much more than host to the federal government. With our major universities, tourism, data centers, world-class medical facilities and resident Fortune 500 companies, it continues to be a great place to do business. The Department of Government Efficiency recently wound down and left town. The D.C. market is sometimes perceived as not a good market, often in conjunction with concerns about politics. Yes, politics affects our marketplace, but in the last 22 years, the overall effect has been nominal in the community banking space. Since we opened our doors in 2004, we've experienced 5 presidential administrations, 4 D.C. mayors, 7 Virginia governors and 4 Maryland governors. We've also experienced economic and political pressures over that same period, including the Great Recession, where real estate prices actually held up strong inside the beltway. The budget control and sequestration period where community banks felt some secondary impact from hits taken by reduced government and corporate spending. During this period, specifically, we did have a couple of C&I relationships collapse, the COVID-19 and remote work period where community banks felt some impact from the hospitality crisis, but community banks didn't finance the big office buildings that felt the brunt of the shifting workplace culture. Washington, D.C. also didn't experience the great urban shift felt by so many of the large cities in the United States. But during this period, the liquidity for some of our borrowers was impacted by higher interest rates on projects that became protracted due to supply shortages, cost increases, work slowdowns and permitting delays. A few of those borrowers are having difficulty right now, and we are working with them. The overarching point for us is that we are in a solid, resilient market. By the numbers, the median household income is $135,089. The average home listing price is $831,000 and the median days on market is 30 days, still a seller's market. Anecdotally, I recently sold my house in 1 day with multiple offers. Federal Reserve economic data from December 2025 indicates that we have 684,000 government employees …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Jeff W. Dick | Chief Executive Officer & Chairman of the Board | USD 734,627 | Male | 1961 | Active |
Abdulhamid Hersiburane | President & Director of MainStreet Bank | USD 438,914 | Male | 1963 | Active |
Thomas J. Chmelik | Senior EVP, Corporate Secretary & Director | USD 397,136 | Male | 1963 | Active |
Richard Alexander Vari | Executive VP & CFO | USD 283,213 | Male | 1988 | Active |
Trish Smith | Executive Vice President | — | Female | — | Active |
Todd Youngren | Executive Vice President & Director of Commercial and Treasury Services | — | Male | — | Active |
Jacob Hutchinson | Executive Vice President & Chief Information Officer | — | Male | — | Active |
Tom Floyd | Executive Vice President | — | Male | — | Active |
William Freesmeier | Senior Vice President | — | — | — | Active |
Brian Baker | Executive Vice President & Chief Marketing Officer | — | Male | — | Active |
Dimensional Fund Advisors LP lifted its holdings in shares of MainStreet Bank (NASDAQ: MNSB) by 20.4% in the first quarter, according to its most recent 13F filing with the SEC. The institutional investor owned 166,633 shares of the company's stock after buying an additional 28,282 shares during the period. Dimensional Fund Advisors LP
MainStreet Bank NASDAQ: MNSB executives said the company delivered stronger second-quarter 2026 earnings as net interest income expanded, expenses remained controlled and loan growth continued, while management also acknowledged ongoing work to resolve classified and non-performing credit relationships.
MainStreet Bank (MNSB) came out with quarterly earnings of $0.58 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.53 per share a year ago.
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
FAIRFAX, Va., July 20, 2026 (GLOBE NEWSWIRE) -- MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, reported net income of $4.7 million for the quarter-ended June 30, 2026, a 14% increase from the previous quarter, resulting in earnings per common share of $0.58.
