MNSB MainStreet Bancshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q May 8, 2026
$24.94
· of 52w range
· above low
· to high
$17.8652w low
$25.8752w high
Market Cap (MRQ)
$183M
P/E (TTM)
12.5
EPS (TTM)
$1.99
Revenue (TTM)
$102M
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52W Range
$18–$26
Analyst Rating
BUY
Price Target
$28
P/E
12.5
ROE
8.1%
Net Profit Margin
16.9%
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MNSB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$24.93
Market Cap (MRQ)
$183M
P/E (TTM)
12.5
EPS (TTM)
$1.99
Revenue (TTM)
$102M
Div Yield
1.6%
ROE (TTM)
8.1%
52W Range
$18–$26
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| April 6, 2018 | 21-for-20 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$136M2021-12-31 → 2025-12-31
EPS$1.762020-12-31 → 2025-12-31
Free Cash Flow$11M2020-12-31 → 2025-12-31
Net margin16.9%2020-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | MNSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 12.5 | · | 11.6 | Undervalued | |
| P/S (TTM) | 1.8 | · | 2.9 | Undervalued | |
| P/B (MRQ) | 0.8 | · | 1.0 | Undervalued | |
| Price / FCF (TTM) | 11.6 | · | · | · | |
| Price / Cash Flow (TTM) | 9.1 | · | 10.3 | Fair value | |
| Price / Tangible Book | 0.9 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | MNSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Gross Margin | 54.2% | · | · | · | |
| EBITDA Margin | 0.81% | · | 63.3% | Top tier | |
| Pretax Margin (TTM) | 20.8% | · | 47.3% | Top tier | |
| Net Profit Margin (TTM) | 16.9% | · | 34.6% | Top tier | |
| ROA (TTM) | 0.78% | · | 0.96% | Weak | |
| ROE (TTM) | 8.1% | · | 8.0% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | MNSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -1.6% | · | · | · | |
| Revenue CAGR 3Y | 15.2% | · | · | · | |
| EPS YoY | -0.31% | · | · | · | |
| Net Income YoY | -0.33% | · | · | · | |
| EPS CAGR 3Y | -18.6% | · | · | · | |
| EPS CAGR 5Y | -0.99% | · | · | · | |
| Net Income CAGR 3Y | -16.4% | · | · | · | |
| Net Income CAGR 5Y | -0.13% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | MNSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | · | 0.0 | Top tier | |
| Revenue / Employee | ≈$817.0K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.6%
Payout Ratio19.5%
Annualized Payout≈$0.40
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 4, 2026 | $0.10 | USD | ≈1.7% |
| May 4, 2026 | $0.10 | USD | ≈1.7% |
| Feb 9, 2026 | $0.10 | USD | ≈1.8% |
| Nov 10, 2025 | $0.10 | USD | ≈2.2% |
| Aug 6, 2025 | $0.10 | USD | ≈2.0% |
| May 9, 2025 | $0.10 | USD | ≈2.1% |
| Feb 10, 2025 | $0.10 | USD | ≈2.4% |
| Nov 12, 2024 | $0.10 | USD | ≈2.3% |
| Aug 9, 2024 | $0.10 | USD | ≈2.4% |
| May 2, 2024 | $0.10 | USD | ≈2.5% |
| Feb 1, 2024 | $0.10 | USD | ≈2.1% |
| Nov 6, 2023 | $0.10 | USD | ≈1.9% |
| Aug 3, 2023 | $0.10 | USD | ≈1.7% |
| May 4, 2023 | $0.10 | USD | ≈1.8% |
| Feb 2, 2023 | $0.10 | USD | ≈1.0% |
| Nov 3, 2022 | $0.10 | USD | ≈0.91% |
| Aug 3, 2022 | $0.05 | USD | ≈0.65% |
| May 4, 2022 | $0.05 | USD | ≈0.39% |
| Feb 2, 2022 | $0.05 | USD | ≈0.20% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
9.0%
Next Report
Oct 26, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 20, 2026 | $0.58 | $0.54 | 7.3% |
| March 31, 2026 | $0.57 | $0.46 | 24.2% | |
| Dec. 31, 2025 | $0.46 | $0.50 | -8.0% | |
| Sept. 30, 2025 | $0.52 | $0.52 | -0.04% | |
| June 30, 2025 | $0.51 | $0.45 | 13.6% | |
| March 31, 2025 | $0.25 | $0.21 | 16.7% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | $136M | $138M | $128M | $89M | $2M | |
| Gross Profit | $74M | $66M | $80M | $75M | · | |
| SG&A Expense | $996.0K | $929.0K | $922.0K | $872.0K | $685.0K | |
| Interest Expense | · | · | $48M | $14M | $11M | |
| Interest Income | $132M | $135M | $124M | $84M | $64M | |
| Pretax Income | $19M | $-14M | $33M | $33M | $28M | |
| Income Tax | $3M | $-4M | $6M | $7M | $6M | |
| Net Income | $16M | $-10M | $27M | $27M | $22M | |
| EPS (Basic) | $1.76 | $-1.60 | $3.25 | $3.26 | $2.65 | |
| EPS (Diluted) | $1.76 | $-1.60 | $3.25 | $3.26 | $2.65 | |
| Shares (Basic) | 7,652,504 | 7,606,391 | 7,522,913 | 7,529,382 | 7,559,310 | |
| EBITDA | $1M | $2M | $1M | $1M | $1M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| PP&E (Net) | $14M | $13M | $14M | $15M | $15M | |
| PP&E (Gross) | $25M | $24M | $23M | $23M | $22M | |
| Accum. Depreciation | $12M | $11M | $9M | $8M | $7M | |
| Total Assets | $2.21B | $2.23B | $2.04B | $1.88B | $1.65B | |
| Total Liabilities | $1.99B | $2.02B | $1.81B | $1.73B | $1.46B | |
| Common Stock | $29M | $29M | $29M | $29M | $29M | |
| Paid-in Capital | $67M | $68M | $66M | $64M | $68M | |
| Retained Earnings | $102M | $91M | $107M | $87M | $64M | |
| AOCI | $-6M | $-8M | $-7M | $-9M | $197.0K | |
| Stockholders' Equity | $219M | $208M | $222M | $198M | $189M | |
| Liabilities + Equity | $2.21B | $2.23B | $2.04B | $1.93B | $1.65B | |
| Shares Outstanding | 7,496,571 | 7,603,765 | 7,527,415 | 7,442,743 | 7,595,781 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| D&A | $1M | $2M | $1M | $1M | $1M | |
| Stock-based Comp | $3M | $3M | $2M | $3M | $2M | |
| Deferred Tax | $-642.0K | $-5M | $-191.0K | $-894.0K | $336.0K | |
| Amort. of Intangibles | $0 | $447.0K | $0 | $0 | · | |
| Other Non-cash | $-4M | $25M | $1M | $4M | $35M | |
| Operating Cash Flow | $15M | $15M | $32M | $34M | $29M | |
| CapEx | $4M | $909.0K | $497.0K | $1M | $2M | |
| Investing Cash Flow | $-38M | $-122M | $-131M | $-229M | $-61M | |
| Stock Repurchased | $4M | $732.0K | $43.0K | $7M | $0 | |
| Net Stock Activity | $-4M | $-732.0K | $-43.0K | $-7M | · | |
| Dividends Paid | $3M | $3M | $3M | $2M | $0 | |
| Financing Cash Flow | $-21M | $201M | $83M | $233M | $-14M | |
| Net Change in Cash | $-45M | $93M | $-16M | $37M | $-46M | |
| Taxes Paid | $168.0K | $1M | $7M | $6M | $7M | |
| Free Cash Flow | $11M | $14M | $31M | $32M | $59M | |
| Levered FCF | · | · | $-8M | $21M | $50M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Gross Margin | 54.2% | 47.8% | · | · | · | |
| Net Margin | 11.5% | -7.2% | 1237.1% | 1102.2% | 37.2% | |
| Pretax Margin | 14.1% | -10.1% | 1527.4% | 1379.7% | 46.9% | |
| EBITDA Margin | 0.81% | 1.1% | 60.5% | 53.7% | 2.0% | |
| ROA | 0.70% | -0.45% | 1.3% | 1.5% | 1.4% | |
| ROE | 7.2% | -4.6% | 12.2% | 13.7% | 11.9% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Book Value / Share | $29.16 | $27.35 | $29.43 | $26.64 | $24.85 | |
| Dividend / Share | $0.40 | $0.40 | $0.40 | $0.25 | · | |
| EPS (TTM) | $1.76 | $-1.60 | $3.25 | $3.26 | $2.65 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue YoY | -1.6% | 7.9% | 44.1% | 3555.4% | · | |
| Revenue CAGR 3Y | 15.2% | 284.5% | · | · | · | |
| EPS YoY | · | · | -0.31% | 23.0% | 43.2% | |
| EPS CAGR 3Y | -18.6% | · | 20.7% | · | · | |
| EPS CAGR 5Y | -0.99% | · | · | · | · | |
| Net Income YoY | · | · | -0.33% | 20.3% | 41.1% | |
| Net Income CAGR 3Y | -16.4% | · | 19.1% | · | · | |
| Net Income CAGR 5Y | -0.13% | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue TTM | $136M | $138M | $128M | $89M | $2M | |
| Net Income TTM | $16M | $-10M | $27M | $27M | $22M | |
| Market Cap | $153M | $138M | $187M | $205M | $187M | |
| P/E | 11.6 | -11.3 | 7.6 | 8.4 | 9.3 | |
| P/S | 1.1 | 1.0 | 1.5 | 2.3 | 77.0 | |
| P/B | 0.7 | 0.7 | 0.8 | 1.0 | 1.0 | |
| P / Tangible Book | 0.7 | 0.7 | 0.8 | 1.0 | 1.0 | |
| P / Cash Flow | 10.3 | 9.3 | 5.9 | 6.1 | 3.1 | |
| P / FCF | 14.3 | 10.0 | 6.0 | 6.3 | 3.2 | |
| Dividend Yield | 2.0% | 2.2% | 1.6% | 0.92% | 0.00% | |
| Earnings Yield | 8.6% | -8.8% | 13.1% | 11.9% | 10.8% | |
| Payout Ratio | 19.5% | -30.5% | 11.3% | 7.1% | · | |
| Annual Payout | $3M | $3M | $3M | $2M | $0 |
Income Statement
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $573.0K | $33M | $34M | $35M | $530.0K | $36M | $34M | $34M | $33M | $126M | $514.0K | $535.0K | $590.0K | $87M | $601.0K | $597.0K | |
| Gross Profit | · | $18M | $18M | $20M | $17M | $17M | $16M | $16M | $16M | · | · | · | · | · | · | · | |
| SG&A Expense | $241.0K | $238.0K | $259.0K | $270.0K | $229.0K | $243.0K | $215.0K | $229.0K | $242.0K | $219.0K | $277.0K | $211.0K | $215.0K | $214.0K | $253.0K | $195.0K | |
| Interest Expense | · | · | · | · | · | · | · | · | $17M | · | $13M | $11M | $8M | · | $4M | $3M | |
| Interest Income | $31M | $32M | $32M | $34M | $33M | $35M | $34M | $33M | $32M | $33M | $32M | $31M | $29M | $26M | $22M | $19M | |
| Pretax Income | $5M | $5M | $5M | $6M | $3M | $-21M | $97.0K | $3M | $4M | $6M | $8M | $9M | $10M | $10M | $10M | $7M | |
| Income Tax | $1M | $836.0K | $896.0K | $1M | $682.0K | $-5M | $-168.0K | $238.0K | $830.0K | $1M | $2M | $2M | $2M | $2M | $2M | $1M | |
| Net Income | $4M | $4M | $5M | $5M | $2M | $-16M | $265.0K | $3M | $3M | $5M | $6M | $7M | $8M | $8M | $8M | $6M | |
| EPS (Basic) | $0.48 | $0.46 | $0.52 | $0.53 | $0.25 | $-2.19 | $-0.04 | $0.27 | $0.36 | $0.62 | $0.77 | $0.85 | $1.01 | $0.94 | $0.97 | $0.71 | |
| EPS (Diluted) | $0.48 | $0.46 | $0.52 | $0.53 | $0.25 | $-2.19 | $-0.04 | $0.27 | $0.36 | $0.62 | $0.77 | $0.85 | $1.01 | $0.94 | $0.97 | $0.71 | |
| Shares (Basic) | 7,484,310 | · | 7,704,639 | 7,704,677 | 7,636,191 | · | 7,601,925 | 7,608,389 | 7,611,990 | · | 7,524,332 | 7,522,764 | 7,517,213 | · | 7,463,719 | 7,575,484 | |
| EBITDA | $959.0K | · | · | · | $1M | · | · | · | $750.0K | · | · | · | $560.0K | · | · | · |
Balance Sheet
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $13M | $14M | $13M | $13M | $13M | $13M | $14M | $14M | $14M | · | $14M | $14M | $15M | · | $15M | $15M | |
| PP&E (Gross) | · | $25M | · | · | · | $24M | · | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | $12M | · | · | · | $11M | · | · | · | · | · | · | · | · | · | · | |
| Total Assets | $2.22B | $2.21B | $2.12B | $2.11B | $2.22B | $2.23B | $2.22B | $2.09B | $2.07B | $2.04B | $2.02B | $1.95B | $2.06B | $1.88B | $1.86B | $1.79B | |
| Total Liabilities | $2.01B | $1.99B | $1.91B | $1.90B | $2.01B | $2.02B | $2.00B | $1.87B | $1.85B | · | $1.81B | $1.74B | $1.85B | · | $1.67B | $1.60B | |
| Common Stock | $28M | $29M | $30M | $30M | $30M | $29M | $29M | $29M | $30M | · | $29M | $29M | $29M | · | $29M | $29M | |
| Paid-in Capital | $61M | $67M | $69M | $68M | $68M | $68M | $67M | $66M | $66M | · | $65M | $65M | $64M | · | $63M | $65M | |
| Retained Earnings | $104M | $102M | $99M | $96M | $92M | $91M | $109M | $110M | $108M | · | $103M | $98M | $92M | · | $81M | $74M | |
| AOCI | $-6M | $-6M | $-6M | $-7M | $-7M | $-8M | $-6M | $-8M | $-8M | · | $-11M | $-8M | $-8M | · | $-10M | $-7M | |
| Stockholders' Equity | $215M | $219M | $218M | $213M | $210M | $208M | $226M | $225M | $223M | $222M | $214M | $211M | $205M | $198M | $190M | $188M | |
| Liabilities + Equity | $2.22B | $2.21B | $2.12B | $2.11B | $2.22B | $2.23B | $2.22B | $2.09B | $2.07B | · | $2.02B | $1.95B | $2.06B | · | $1.86B | $1.79B | |
| Shares Outstanding | 7,324,049 | 7,496,571 | 7,703,579 | 7,703,037 | 7,703,197 | 7,603,765 | 7,602,783 | 7,598,529 | 7,614,090 | · | 7,524,877 | 7,522,297 | 7,524,277 | · | 7,425,432 | 7,526,463 |
Cash Flow
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $959.0K | $-2M | $1M | $1M | $1M | $-1M | $900.0K | $881.0K | $750.0K | $-384.0K | $547.0K | $577.0K | $560.0K | $-325.0K | $531.0K | $536.0K | |
| Stock-based Comp | $599.0K | $701.0K | $642.0K | $664.0K | $579.0K | $756.0K | $702.0K | $690.0K | $690.0K | $588.0K | $650.0K | $590.0K | $663.0K | $776.0K | $609.0K | $564.0K | |
| Deferred Tax | $159.0K | $-840.0K | $410.0K | $0 | $-212.0K | $-4M | $-960.0K | $432.0K | $490.0K | $-429.0K | $-51.0K | $-300.0K | $589.0K | $-835.0K | $-270.0K | $-221.0K | |
| Other Non-cash | $786.0K | · | · | · | $-2M | · | · | · | $-2M | · | · | · | $-1M | · | · | · | |
| Operating Cash Flow | $7M | $7M | $6M | $1M | $1M | $5M | $4M | $1M | $4M | $5M | $10M | $8M | $9M | $11M | $9M | $7M | |
| CapEx | $101.0K | $159.0K | $138.0K | $4M | $55.0K | $39.0K | $161.0K | $102.0K | $607.0K | $7.0K | $155.0K | $204.0K | $131.0K | $511.0K | $84.0K | $234.0K | |
| Investing Cash Flow | $-9M | $-54M | $-21M | $41M | $-4M | $-43M | $-822.0K | $-55M | $-23M | $-29M | $-45M | $-19M | $-38M | $-42M | $-57M | $-27M | |
| Stock Repurchased | $6M | $4M | $0 | $0 | $446.0K | $13.0K | $0 | $300.0K | $419.0K | $0 | $0 | $43.0K | $0 | $0 | $3M | $3M | |
| Net Stock Activity | $-6M | · | · | · | $-446.0K | · | · | · | $-419.0K | · | · | · | $0 | · | · | · | |
| Dividends Paid | $758.0K | $750.0K | $770.0K | $771.0K | $759.0K | $760.0K | $760.0K | $762.0K | $764.0K | $753.0K | $753.0K | $753.0K | $752.0K | $744.0K | $372.0K | $379.0K | |
| Financing Cash Flow | $7M | $83M | $10M | $-112M | $-2M | $13M | $137M | $21M | $30M | $17M | $59M | $-116M | $124M | $58M | $50M | $21M | |
| Net Change in Cash | $5M | $35M | $-6M | $-69M | $-5M | $-24M | $141M | $-33M | $10M | $-7M | $23M | $-127M | $95M | $26M | $2M | $907.0K | |
| Taxes Paid | $0 | $123.0K | $45.0K | $0 | $0 | $25.0K | $0 | $1M | $0 | $1M | $2M | $1M | $3M | $2M | $2M | $700.0K | |
| Free Cash Flow | $7M | · | · | · | $1M | · | · | · | $3M | · | · | · | $9M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $-11M | · | · | · | $3M | · | · | · |
Profitability
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | · | · | 54.3% | 56.2% | 51.5% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Margin | 715.5% | · | 13.5% | 13.0% | 7.2% | · | 47.6% | 534.3% | 704.7% | · | 1233.7% | 1298.3% | 1381.5% | · | 1288.3% | 993.3% | |
| Pretax Margin | 935.1% | · | 16.1% | 16.0% | 9.2% | · | 17.4% | 582.9% | 881.7% | · | 1528.6% | 1605.8% | 1713.2% | · | 1589.2% | 1241.4% | |
| EBITDA Margin | 167.4% | · | · | · | 3.2% | · | · | · | 159.9% | · | · | · | 94.9% | · | · | · | |
| ROA | 0.18% | · | 0.21% | 0.22% | 0.11% | · | 0.01% | 0.13% | 0.16% | · | 0.33% | 0.37% | 0.43% | · | 0.44% | 0.34% | |
| ROE | 1.9% | · | 2.0% | 2.1% | 1.1% | · | 0.12% | 1.2% | 1.5% | · | 3.1% | 3.5% | 4.1% | · | 4.1% | 3.2% |
Efficiency
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $29.35 | · | $28.35 | $27.71 | $27.21 | · | $29.73 | $29.57 | $29.30 | · | $28.40 | $27.98 | $27.24 | · | $25.59 | $25.03 | |
| Dividend / Share | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.05 | $0.05 | |
| EPS (TTM) | $1.99 | · | $-0.89 | · | $-1.71 | · | $1.21 | $2.02 | $2.60 | · | $3.57 | $3.77 | $3.63 | · | $2.89 | $2.48 |
Valuation (TTM)
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $67M | · | $71M | · | $105M | · | $228M | $194M | $160M | · | $89M | $89M | $89M | · | $2M | $2M | |
| Net Income TTM | $17M | · | $-5M | · | $-11M | · | $11M | $17M | $22M | · | $29M | $30M | $29M | · | $24M | $21M | |
| Market Cap | $163M | · | $160M | $146M | $129M | · | $140M | $135M | $138M | · | $155M | $170M | $177M | · | $169M | $171M | |
| P/E | 11.2 | · | -23.4 | · | -9.8 | · | 15.2 | 8.8 | 7.0 | · | 5.8 | 6.0 | 6.5 | · | 7.9 | 9.2 | |
| P/S | 2.4 | · | 2.3 | · | 1.2 | · | 0.6 | 0.7 | 0.9 | · | 1.7 | 1.9 | 2.0 | · | 69.6 | 69.3 | |
| P/B | 0.8 | · | 0.7 | 0.7 | 0.6 | · | 0.6 | 0.6 | 0.6 | · | 0.7 | 0.8 | 0.9 | · | 0.9 | 0.9 | |
| P / Tangible Book | 0.8 | · | 0.7 | 0.7 | 0.6 | · | 0.6 | 0.6 | 0.6 | · | 0.7 | 0.8 | 0.9 | · | 0.9 | 0.9 | |
| P / Cash Flow | 24.6 | · | · | · | 88.8 | · | · | · | 38.0 | · | · | · | 20.0 | · | · | · | |
| Dividend Yield | 1.9% | · | 1.9% | · | 2.4% | · | 2.2% | 2.2% | 2.2% | · | 1.9% | 1.5% | 1.3% | · | 0.67% | 0.45% | |
| Earnings Yield | 9.0% | · | -4.3% | · | -10.2% | · | 6.6% | 11.4% | 14.3% | · | 17.4% | 16.6% | 15.4% | · | 12.7% | 10.9% | |
| Payout Ratio | 18.5% | · | · | · | 30.9% | · | · | · | 23.1% | · | · | · | 9.2% | · | · | · | |
| Annual Payout | $3M | · | $3M | · | $3M | · | $3M | $3M | $3M | · | $3M | $3M | $2M | · | $1M | $766.0K |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|
| Revenue | $136M | $138M | · | · | · |
| Gross Margin % | 54.2% | 47.8% | · | · | · |
| Net Income | $16M | $-10M | · | · | · |
| Diluted EPS | $1.76 | $-1.60 | · | · | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $11M | $14M | · | · | · |
Institutional owners (13F) 97 filers · $101.3M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
97
Value held
$101.3M
New positions
16
Exited positions
3
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 16 (+1 vs prior Q) | 3 (-2 vs prior Q) | 41 (+16 vs prior Q) | 20 (-3 vs prior Q) | -163K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BANC FUNDS CO LLC | $13,472,815 | 545,679 | 13.30% | Shares |
| BlackRock, Inc. | $9,975,675 | 404,037 | 9.85% | Shares |
| ALLIANCEBERNSTEIN L.P. | $9,288,325 | 418,393 | 9.17% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $8,319,567 | 336,961 | 8.21% | Shares |
| VANGUARD GROUP INC | $7,722,101 | 379,278 | 7.62% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $6,480,286 | 262,466 | 6.40% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $5,061,763 | 205,014 | 5.00% | Shares |
| FIRST MANHATTAN CO. LLC. | $3,993,138 | 161,731 | 3.94% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $3,758,183 | 152,196 | 3.71% | Shares |
| MARSHALL WACE, LLP | $2,967,589 | 120,194 | 2.93% | Shares |
| STATE STREET CORP | $2,702,691 | 109,465 | 2.67% | Shares |
| AMERICAN CENTURY COMPANIES INC | $2,508,603 | 101,604 | 2.48% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1,643,144 | 66,551 | 1.62% | Shares |
| Cresset Asset Management, LLC | $1,457,697 | 59,040 | 1.44% | Shares |
| CITADEL ADVISORS LLC | $1,440,513 | 58,344 | 1.42% | Shares |
| NORTHERN TRUST CORP | $1,188,824 | 48,150 | 1.17% | Shares |
| Fourthstone LLC | $1,185,994 | 47,432 | 1.17% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,057,053 | 42,813 | 1.04% | Shares |
| Trexquant Investment LP | $975,872 | 39,525 | 0.96% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $963,354 | 39,018 | 0.95% | Shares |
| Squarepoint Ops LLC | $919,283 | 37,233 | 0.91% | Shares |
| Empowered Funds, LLC | $917,752 | 37,171 | 0.91% | Shares |
| UBS Group AG | $817,288 | 33,102 | 0.81% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $750,206 | 30,385 | 0.74% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $726,083 | 29,408 | 0.72% | Shares |
| STRS OHIO | $644,409 | 26,100 | 0.64% | Shares |
| MORGAN STANLEY | $600,377 | 24,316 | 0.59% | Shares |
| MENDON CAPITAL ADVISORS CORP | $577,005 | 23,370 | 0.57% | Shares |
| Creative Planning | $562,759 | 22,793 | 0.56% | Shares |
| R Squared Ltd | $513,528 | 20,799 | 0.51% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $480,072 | 19,444 | 0.47% | Shares |
| Nuveen, LLC | $441,136 | 17,867 | 0.44% | Shares |
| Daytona Street Capital LLC | $432,990 | 18,000 | 0.43% | Shares |
| Bank of New York Mellon Corp | $430,008 | 17,416 | 0.42% | Shares |
| TWO SIGMA INVESTMENTS, LP | $412,298 | 16,699 | 0.41% | Shares |
| BARCLAYS PLC | $391,634 | 15,862 | 0.39% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $355,561 | 14,401 | 0.35% | Shares |
| XTX Topco Ltd | $342,401 | 13,868 | 0.34% | Shares |
| HighTower Advisors, LLC | $333,192 | 13,495 | 0.33% | Shares |
| Atlantic Union Bankshares Corp | $311,094 | 12,600 | 0.31% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $271,590 | 11,000 | 0.27% | Shares |
| GOLDMAN SACHS GROUP INC | $262,405 | 10,628 | 0.26% | Shares |
| Point72 Asset Management, L.P. | $258,949 | 10,488 | 0.26% | Shares |
| SEI INVESTMENTS CO | $244,803 | 9,915 | 0.24% | Shares |
| Russell Investments Group, Ltd. | $242,784 | 9,843 | 0.24% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $240,283 | 9,732 | 0.24% | Shares |
| Quadrature Capital Ltd | $239,666 | 9,707 | 0.24% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $221,469 | 8,970 | 0.22% | Shares |
| CALDWELL SUTTER CAPITAL, INC. | $217,716 | 8,818 | 0.21% | Shares |
| Sandy Spring Bank | $210,672 | 12,600 | 0.21% | Shares |
Company insiders 18 insiders · 7 officers · 11 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Jeff W Dick | Chairman, President and CEO | Feb. 20, 2026 A | 206,977 | 1 | 0 | $2,013 |
| Richard Alexander Vari | Chief Financial Officer | June 4, 2026 S | 34,036 | 0 | 1 | $-104,400 |
| Abdulhamid Hersiburane | President, MainSteet Bank | Feb. 20, 2024 A | 41,869 | 0 | 0 | $0 |
| Michael B Baboval | Chief Risk Officer | Feb. 20, 2026 F | 6,441 | 0 | 0 | $0 |
| William Freesmeier | SVP, Chief of Staff | Feb. 20, 2026 F | 8,668 | 0 | 0 | $0 |
| Todd Youngren | EVP, Director | Feb. 20, 2026 F | 5,041 | 0 | 0 | $0 |
| Thomas J Chmelik | Senior EVP | Feb. 20, 2026 F | 60,962 | 0 | 6 | $-809,009 |
| Wendy Adeler Hall | Director | April 3, 2026 A | 1,754 | 0 | 0 | $0 |
| Rafael E Deleon | Director | April 3, 2026 A | 14,548 | 0 | 0 | $0 |
| Darrell Green | Director | April 3, 2026 A | 34,705 | 0 | 0 | $0 |
| Patsy I Rust | Director | April 3, 2026 A | 26,130 | 0 | 0 | $0 |
| Charles C. Brockett | Director | Nov. 24, 2025 P | 891 | 4 | 0 | $14,113 |
| Russell Echlov | Director | Dec. 11, 2024 P | 5,060 | 0 | 0 | $0 |
| Elizabeth S Bennett | Director | July 19, 2023 A | 11,757 | 0 | 0 | $0 |
| Terry M Saeger | Director | July 1, 2022 A | 38,237 | 0 | 0 | $0 |
| Paul Thomas Haddock | Director | April 15, 2020 A | 9,570 | 0 | 0 | $0 |
| Joan Morgan Higgins | · | April 3, 2026 A | 602 | 0 | 0 | $0 |
| Ali R Manouchehri | · | Jan. 2, 2026 A | 8,989 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 18 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.04% | 22,043 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 5,539 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 28,948 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 169,250 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.00% | 3,010 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 23,277 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 10,330 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 585 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 661 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 695 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 1,782 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 63,120 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 192,048 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.00% | 36,721 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 553 SH | Aug. 19, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 84 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 67,873 SH | Sept. 11, 2026 | Daily |
MNSB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
Median target
$27.50
+10.3%
2 28.6%
Strong Buy
4 57.1%
Buy
1 14.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
1 analysts · 2026-09-20Mean target $27.50 +10.3%
Low$27.50
Mean$27.50
High$27.50
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed May 8, 2026