MainStreet Bancshares (FRA:5L0) Cyclically Adjusted Book per Share: €17.67 (As of Mar. 2026)


FRA:5L0 MainStreet Bancshares Inc FRA:5L0
65 GF Score
Price €20.20
GF Value €16.47
Valuation Modestly Overvalued
! 8 Warning Signs
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What is MainStreet Bancshares Cyclically Adjusted Book per Share?

MainStreet Bancshares FRA:5L0 -8.18% 65 Cyclically Adjusted Book per Share is €17.67 as of Mar. 2026. GuruFocus rates FRA:5L0 with a GF Score™ of 65/100 and a GF Value™ of €16.47 (Modestly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

MainStreet Bancshares's adjusted book value per share for the three months ended in Mar. 2026 was €22.171. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €17.67 for the trailing ten years ended in Mar. 2026.

During the past 12 months, MainStreet Bancshares's average Cyclically Adjusted Book Growth Rate was 8.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 9.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 11.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of MainStreet Bancshares was 14.30% per year. The lowest was 9.50% per year. And the median was 12.30% per year.

As of today (2026-07-09), MainStreet Bancshares's current stock price is €20.20. MainStreet Bancshares's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €17.67. MainStreet Bancshares's Cyclically Adjusted PB Ratio of today is 1.14.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of MainStreet Bancshares was 2.33. The lowest was 0.76. And the median was 1.41.


MainStreet Bancshares  (FRA:5L0) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

MainStreet Bancshares's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=20.20/17.67
=1.14

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of MainStreet Bancshares was 2.33. The lowest was 0.76. And the median was 1.41.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


MainStreet Bancshares Cyclically Adjusted Book per Share Related Terms


MainStreet Bancshares Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for MainStreet Bancshares's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

MainStreet Bancshares Cyclically Adjusted Book per Share Chart

MainStreet Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.88 14.80 16.07 16.37 16.77

MainStreet Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.73 15.84 16.39 16.77 17.67

FRA:5L0 vs BMBN, PLQC, FGBI: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, MainStreet Bancshares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


MainStreet Bancshares Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, MainStreet Bancshares's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where MainStreet Bancshares's Cyclically Adjusted PB Ratio falls into.


FRA:5L0
65GF Score
MainStreet Bancshares Inc FRA:5L0
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MainStreet Bancshares Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, MainStreet Bancshares's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=22.171/330.2130*330.2130
=22.171

Current CPI (Mar. 2026) = 330.2130.

MainStreet Bancshares Quarterly Data

Book Value per Share CPI Adj_Book
201606 8.856 241.018 12.133
201609 8.988 241.428 12.293
201612 9.798 241.432 13.401
201703 9.915 243.801 13.429
201706 9.667 244.955 13.032
201709 7.311 246.819 9.781
201712 10.120 246.524 13.555
201803 9.850 249.554 13.034
201806 10.631 251.989 13.931
201809 12.523 252.439 16.381
201812 13.033 251.233 17.130
201903 13.407 254.202 17.416
201906 13.842 256.143 17.845
201909 14.644 256.759 18.833
201912 14.931 256.974 19.186
202003 15.371 258.115 19.665
202006 15.062 257.797 19.293
202009 14.947 260.280 18.963
202012 15.504 260.474 19.655
202103 16.136 264.877 20.116
202106 16.752 271.696 20.360
202109 17.547 274.310 21.123
202112 18.819 278.802 22.289
202203 19.175 287.504 22.023
202206 20.255 296.311 22.572
202209 22.137 296.808 24.628
202212 21.690 296.797 24.132
202303 22.062 301.836 24.136
202306 22.485 305.109 24.335
202309 23.220 307.789 24.912
202312 23.666 306.746 25.477
202403 23.665 312.332 25.020
202406 24.139 314.175 25.371
202409 23.558 315.301 24.672
202412 22.698 315.605 23.749
202503 21.898 319.799 22.611
202506 20.955 322.561 21.452
202509 21.134 324.800 21.486
202512 21.795 324.054 22.209
202603 22.171 330.213 22.171

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €17.67 mean?
MainStreet Bancshares (FRA:5L0) has a Cyclically Adjusted Book per Share of €17.67 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on MainStreet Bancshares and its competitors.
Is MainStreet Bancshares' Cyclically Adjusted Book per Share too high?
MainStreet Bancshares' current Cyclically Adjusted Book per Share is €17.67. Overall, MainStreet Bancshares has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MainStreet Bancshares' Cyclically Adjusted Book per Share compare to BMBN and PLQC?
MainStreet Bancshares' Cyclically Adjusted Book per Share of €17.67 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on MainStreet Bancshares and its competitors. MainStreet Bancshares's current Cyclically Adjusted Book per Share is €17.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MainStreet Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MainStreet Bancshares (FRA:5L0) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.47, compared to a current price of €20.20 — trading 22.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is €17.67. MainStreet Bancshares' overall GF Score™ is 65/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For MainStreet Bancshares (FRA:5L0), the current Cyclically Adjusted Book per Share is €17.67 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is MainStreet Bancshares (FRA:5L0) Overvalued in 2026?

Based on GuruFocus' analysis, MainStreet Bancshares stock appears to be overvalued. The current stock price of €20.20 is trading 22.6% above its estimated GF Value™ of €16.47. GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:5L0:

  • Cyclically Adjusted Book per Share: €17.67
  • GF Value™: €16.47 vs. price of €20.20 (22.6% above fair value)
  • GF Score™: 65/100 with 8 warning signs

No single metric tells the full story. See the FRA:5L0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


MainStreet Bancshares Business Description

Other Exchanges MNSBP.PFD:USAMNSB:USA
Address 10089 Fairfax Boulevard, Fairfax, VA, USA, 22030
MainStreet Bancshares Inc is a bank holding company. It is focused on serving the borrowing, cash management and depository needs of small to medium-sized businesses, and professional practices and retail customers. The bank's products and services include business and consumer checking, premium interest-bearing checking, business account analysis, savings, certificates of deposit and other depository services, as well as a broad array of commercial, real estate and consumer loans.
65GF Score

Get the complete analysis for FRA:5L0

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.20
Price
€16.47
GF Value