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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.33
MNSB's Cash-to-Debt is ranked lower than
80% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. MNSB: 0.33 )
Ranked among companies with meaningful Cash-to-Debt only.
MNSB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.36 Max: N/A
Current: 0.33
Equity-to-Asset 0.09
MNSB's Equity-to-Asset is ranked lower than
63% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MNSB: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
MNSB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.12 Max: 0.29
Current: 0.09
0.08
0.29
Interest Coverage 1.77
MNSB's Interest Coverage is ranked higher than
52% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. MNSB: 1.77 )
Ranked among companies with meaningful Interest Coverage only.
MNSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.45 Max: 1.77
Current: 1.77
0.02
1.77
Piotroski F-Score: 3
WACC vs ROIC
2.88%
4.86%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 26.74
MNSB's Operating Margin % is ranked lower than
60% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. MNSB: 26.74 )
Ranked among companies with meaningful Operating Margin % only.
MNSB' s Operating Margin % Range Over the Past 10 Years
Min: -280.66  Med: 1.72 Max: 26.74
Current: 26.74
-280.66
26.74
Net Margin % 19.32
MNSB's Net Margin % is ranked lower than
60% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. MNSB: 19.32 )
Ranked among companies with meaningful Net Margin % only.
MNSB' s Net Margin % Range Over the Past 10 Years
Min: -280.66  Med: 1.72 Max: 19.32
Current: 19.32
-280.66
19.32
ROE % 8.68
MNSB's ROE % is ranked higher than
53% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. MNSB: 8.68 )
Ranked among companies with meaningful ROE % only.
MNSB' s ROE % Range Over the Past 10 Years
Min: -11.48  Med: 0.47 Max: 8.68
Current: 8.68
-11.48
8.68
ROA % 0.75
MNSB's ROA % is ranked lower than
58% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MNSB: 0.75 )
Ranked among companies with meaningful ROA % only.
MNSB' s ROA % Range Over the Past 10 Years
Min: -2.58  Med: 0.06 Max: 0.75
Current: 0.75
-2.58
0.75
3-Year Revenue Growth Rate 13.80
MNSB's 3-Year Revenue Growth Rate is ranked higher than
83% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. MNSB: 13.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MNSB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 13.8  Med: 20.65 Max: 88
Current: 13.8
13.8
88
3-Year EBITDA Growth Rate 74.40
MNSB's 3-Year EBITDA Growth Rate is ranked higher than
97% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. MNSB: 74.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MNSB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -56  Med: 42.25 Max: 88.9
Current: 74.4
-56
88.9
3-Year EPS without NRI Growth Rate 36.60
MNSB's 3-Year EPS without NRI Growth Rate is ranked higher than
90% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. MNSB: 36.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MNSB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -40.5  Med: 76 Max: 152
Current: 36.6
-40.5
152
GuruFocus has detected 7 Warning Signs with MainStreet Bancshares Inc $MNSB.
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» MNSB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:STND, NAS:FBSS, OTCPK:FABK, OTCPK:FXNC, NAS:CZWI, OTCPK:JFBC, NAS:EMCF, NAS:UBOH, NAS:WBKC, OTCPK:VABK, NAS:ASRV, NAS:BOTJ, NAS:WEBK, OTCPK:CMOH, NAS:UBCP, NAS:PFBX, OTCPK:CBCO, OTCPK:COFS, NAS:MGYR, NAS:SSBI » details
Mainstreet Bank is a community bank, which combines exceptional in-person banking services with state-of-the-art internet banking capabilities to serve both the business community as well as individuals.

MainStreet Bancshares Inc, formerly Mainstreet Bank is a community bank based in Northern Virginia that opened in 2004 and serves both the business community as well as individuals. It combines exceptional in-person banking services with state-of-the-art Internet banking capabilities to provide customers with the best of both worlds. MainStreet Bank's strategic plan is based on the premise of enhancing stockholder and franchise value through internal growth as well as selective strategic and geographic expansion. The MainStreet Connect offers the following services at the customer's desktop using secure Internet- SSL technology: Scan and deposit business and personal checks into any number of accounts held by the account holder; Download scanned and captured information directly into business accounting systems; Take payments via individual or recurring automated clearing house (ACH) debits/credits for customer payment convenience; Take payments via the telephone for customer payment convenience; Take payments via a Web portal for customer payment convenience; Initiate wire transfers, payment of bills, transfer of funds, cash management and automatic download to business accounting systems (e.g. Quickbooks(r)) for payment convenience. It also offers the following services through traditional delivery and Internet- based technology: Sweep accounts; Repurchase agreement accounts; Zero balance accounts; Lock box agreement accounts; and Certificate of Deposit margin accounts.

Ratios

vs
industry
vs
history
PE Ratio 18.70
MNSB's PE Ratio is ranked lower than
68% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. MNSB: 18.70 )
Ranked among companies with meaningful PE Ratio only.
MNSB' s PE Ratio Range Over the Past 10 Years
Min: 13.11  Med: 23.4 Max: 856.25
Current: 18.7
13.11
856.25
PE Ratio without NRI 18.70
MNSB's PE Ratio without NRI is ranked lower than
67% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. MNSB: 18.70 )
Ranked among companies with meaningful PE Ratio without NRI only.
MNSB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.11  Med: 23.96 Max: 13500
Current: 18.7
13.11
13500
Price-to-Owner-Earnings 23.57
MNSB's Price-to-Owner-Earnings is ranked lower than
80% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. MNSB: 23.57 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MNSB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 18.05  Med: 33.56 Max: 1501.67
Current: 23.57
18.05
1501.67
PB Ratio 1.54
MNSB's PB Ratio is ranked lower than
70% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MNSB: 1.54 )
Ranked among companies with meaningful PB Ratio only.
MNSB' s PB Ratio Range Over the Past 10 Years
Min: 0.44  Med: 0.89 Max: 1.64
Current: 1.54
0.44
1.64
PS Ratio 3.60
MNSB's PS Ratio is ranked lower than
54% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. MNSB: 3.60 )
Ranked among companies with meaningful PS Ratio only.
MNSB' s PS Ratio Range Over the Past 10 Years
Min: 1.22  Med: 2.47 Max: 7.6
Current: 3.6
1.22
7.6
EV-to-EBIT 18.63
MNSB's EV-to-EBIT is ranked lower than
68% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. MNSB: 18.63 )
Ranked among companies with meaningful EV-to-EBIT only.
MNSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -2717.9  Med: 17.05 Max: 800.2
Current: 18.63
-2717.9
800.2
EV-to-EBITDA 18.63
MNSB's EV-to-EBITDA is ranked lower than
73% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. MNSB: 18.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
MNSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1451.3  Med: 16.1 Max: 454.9
Current: 18.63
-1451.3
454.9

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -18.10
MNSB's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. MNSB: -18.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MNSB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -24.7  Med: -10.7 Max: -2
Current: -18.1
-24.7
-2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.55
MNSB's Price-to-Tangible-Book is ranked lower than
64% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. MNSB: 1.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MNSB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.44  Med: 1.13 Max: 1.55
Current: 1.55
0.44
1.55
Price-to-Intrinsic-Value-Projected-FCF 2.10
MNSB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
92% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. MNSB: 2.10 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MNSB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.83  Med: 1.56 Max: 2.1
Current: 2.1
0.83
2.1
Price-to-Median-PS-Value 1.46
MNSB's Price-to-Median-PS-Value is ranked lower than
74% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MNSB: 1.46 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MNSB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.61  Med: 1.2 Max: 2.96
Current: 1.46
0.61
2.96
Price-to-Graham-Number 1.13
MNSB's Price-to-Graham-Number is ranked lower than
63% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. MNSB: 1.13 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MNSB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.65  Med: 1 Max: 28.33
Current: 1.13
0.65
28.33
Earnings Yield (Greenblatt) % 5.37
MNSB's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. MNSB: 5.37 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MNSB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 4.9 Max: 35.5
Current: 5.37
0.1
35.5

More Statistics

Revenue (TTM) (Mil) $19.39
EPS (TTM) $ 0.88
Beta-0.13
Short Percentage of Float0.00%
52-Week Range $11.02 - 24.00
Shares Outstanding (Mil)4.23

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