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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.15
MNSB's Cash to Debt is ranked lower than
89% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. MNSB: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
MNSB' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.46 Max: No Debt
Current: 0.15
Equity to Asset 0.09
MNSB's Equity to Asset is ranked lower than
65% of the 1660 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: 0.09  Med: 0.12 Max: 0.26
Current: 0.09
0.09
0.26
Interest Coverage 1.31
MNSB's Interest Coverage is ranked lower than
56% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. MNSB: 1.31 )
Ranked among companies with meaningful Interest Coverage only.
MNSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.85 Max: 9999.99
Current: 1.31
0.02
9999.99
F-Score: 3
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 : 5/10

vs
industry
vs
history
Operating margin (%) 18.12
MNSB's Operating margin (%) is ranked lower than
78% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. MNSB: 18.12 )
Ranked among companies with meaningful Operating margin (%) only.
MNSB' s Operating margin (%) Range Over the Past 10 Years
Min: -34.34  Med: 2.06 Max: 18.99
Current: 18.12
-34.34
18.99
Net-margin (%) 12.83
MNSB's Net-margin (%) is ranked lower than
80% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. MNSB: 12.83 )
Ranked among companies with meaningful Net-margin (%) only.
MNSB' s Net-margin (%) Range Over the Past 10 Years
Min: -34.34  Med: 4.59 Max: 13.29
Current: 12.83
-34.34
13.29
ROE (%) 5.32
MNSB's ROE (%) is ranked lower than
73% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. MNSB: 5.32 )
Ranked among companies with meaningful ROE (%) only.
MNSB' s ROE (%) Range Over the Past 10 Years
Min: -5.09  Med: 1.42 Max: 5.39
Current: 5.32
-5.09
5.39
ROA (%) 0.53
MNSB's ROA (%) is ranked lower than
73% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. MNSB: 0.53 )
Ranked among companies with meaningful ROA (%) only.
MNSB' s ROA (%) Range Over the Past 10 Years
Min: -1.25  Med: 0.16 Max: 0.56
Current: 0.53
-1.25
0.56
Revenue Growth (3Y)(%) 13.80
MNSB's Revenue Growth (3Y)(%) is ranked higher than
83% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. MNSB: 13.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MNSB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 16.60 Max: 26.4
Current: 13.8
0
26.4
EBITDA Growth (3Y)(%) 74.40
MNSB's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MNSB: 74.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MNSB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 42.25 Max: 88.9
Current: 74.4
0
88.9
EPS Growth (3Y)(%) 36.40
MNSB's EPS Growth (3Y)(%) is ranked higher than
87% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MNSB: 36.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MNSB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -40  Med: 78.15 Max: 150.3
Current: 36.4
-40
150.3
» MNSB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 22.55
MNSB's P/E(ttm) is ranked lower than
83% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. MNSB: 22.55 )
Ranked among companies with meaningful P/E(ttm) only.
MNSB' s P/E(ttm) Range Over the Past 10 Years
Min: 13.11  Med: 24.28 Max: 913.33
Current: 22.55
13.11
913.33
PE(NRI) 22.55
MNSB's PE(NRI) is ranked lower than
83% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. MNSB: 22.55 )
Ranked among companies with meaningful PE(NRI) only.
MNSB' s PE(NRI) Range Over the Past 10 Years
Min: 13.11  Med: 24.48 Max: 1245.45
Current: 22.55
13.11
1245.45
Price/Owner Earnings (ttm) 33.14
MNSB's Price/Owner Earnings (ttm) is ranked lower than
91% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. MNSB: 33.14 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MNSB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 30.49  Med: 39.75 Max: 1501.67
Current: 33.14
30.49
1501.67
P/B 1.15
MNSB's P/B is ranked lower than
59% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. MNSB: 1.15 )
Ranked among companies with meaningful P/B only.
MNSB' s P/B Range Over the Past 10 Years
Min: 0.44  Med: 0.88 Max: 1.59
Current: 1.15
0.44
1.59
P/S 2.88
MNSB's P/S is ranked higher than
52% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. MNSB: 2.88 )
Ranked among companies with meaningful P/S only.
MNSB' s P/S Range Over the Past 10 Years
Min: 1.22  Med: 2.42 Max: 11.34
Current: 2.88
1.22
11.34
EV-to-EBIT 29.67
MNSB's EV-to-EBIT is ranked lower than
83% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. MNSB: 29.67 )
Ranked among companies with meaningful EV-to-EBIT only.
MNSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -2717.9  Med: 16.45 Max: 798.7
Current: 29.67
-2717.9
798.7
EV-to-EBITDA 29.67
MNSB's EV-to-EBITDA is ranked lower than
86% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. MNSB: 29.67 )
Ranked among companies with meaningful EV-to-EBITDA only.
MNSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1425  Med: 12.70 Max: 454.9
Current: 29.67
-1425
454.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
MNSB's Price/Tangible Book is ranked lower than
52% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. MNSB: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
MNSB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 0.94 Max: 1.49
Current: 1.15
0.58
1.49
Price/Projected FCF 1.56
MNSB's Price/Projected FCF is ranked lower than
90% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. MNSB: 1.56 )
Ranked among companies with meaningful Price/Projected FCF only.
MNSB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.83  Med: 1.67 Max: 1.86
Current: 1.56
0.83
1.86
Price/Median PS Value 1.19
MNSB's Price/Median PS Value is ranked lower than
72% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. MNSB: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
MNSB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.77  Med: 1.43 Max: 3.02
Current: 1.19
0.77
3.02
Price/Graham Number 1.08
MNSB's Price/Graham Number is ranked lower than
71% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. MNSB: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
MNSB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.76  Med: 1.03 Max: 6.79
Current: 1.08
0.76
6.79
Earnings Yield (Greenblatt) (%) 3.38
MNSB's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MNSB: 3.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MNSB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 4.10 Max: 35.5
Current: 3.38
0.1
35.5

More Statistics

Revenue(Mil) $17
EPS $ 0.51
Short Percentage of Float0.00%
52-Week Range $9.40 - 12.40
Shares Outstanding(Mil)4.23

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:BNCC, NAS:SBFG, NAS:BOTJ, NAS:USBI, NAS:UBCP, NAS:EMCF » details
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.

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