MNSB (MainStreet Bancshares) Cyclically Adjusted FCF per Share: $2.68 (As of Mar. 2026)

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MNSB MainStreet Bancshares Inc MNSB
67 GF Score
Price $24.53
GF Value $19.58
Valuation Modestly Overvalued
! 8 Warning Signs
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What is MainStreet Bancshares Cyclically Adjusted FCF per Share?

MainStreet Bancshares MNSB +1.74% 67 Cyclically Adjusted FCF per Share is $2.68 as of Mar. 2026. GuruFocus rates MNSB with a GF Score™ of 67/100 and a GF Value™ of $19.58 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

MainStreet Bancshares's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.869. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.68 for the trailing ten years ended in Mar. 2026.

During the past 12 months, MainStreet Bancshares's average Cyclically Adjusted FCF Growth Rate was 0.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 10.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 27.40% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of MainStreet Bancshares was 126.30% per year. The lowest was 10.60% per year. And the median was 53.00% per year.

As of today (2026-07-20), MainStreet Bancshares's current stock price is $24.525. MainStreet Bancshares's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $2.68. MainStreet Bancshares's Cyclically Adjusted Price-to-FCF of today is 9.15.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of MainStreet Bancshares was 196.83. The lowest was 5.52. And the median was 14.89.


MainStreet Bancshares  (NAS:MNSB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

MainStreet Bancshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=24.525/2.68
=9.15

* 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 Price-to-FCF of MainStreet Bancshares was 196.83. The lowest was 5.52. And the median was 14.89.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


MainStreet Bancshares Cyclically Adjusted FCF per Share Related Terms


MainStreet Bancshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for MainStreet Bancshares's Cyclically Adjusted FCF 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 FCF per Share Chart

MainStreet Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.39 1.93 2.76 2.71 2.61

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 FCF 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 2.67 2.56 2.59 2.61 2.68

MNSB vs BMBN, PLQC, FGBI: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, MainStreet Bancshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, MainStreet Bancshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where MainStreet Bancshares's Cyclically Adjusted Price-to-FCF falls into.


MNSB
67GF Score
MainStreet Bancshares Inc MNSB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MainStreet Bancshares Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.869/330.2130*330.2130
=0.869

Current CPI (Mar. 2026) = 330.2130.

MainStreet Bancshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.000 241.018 0.000
201609 0.000 241.428 0.000
201612 0.000 241.432 0.000
201703 0.000 243.801 0.000
201706 0.000 244.955 0.000
201709 0.000 246.819 0.000
201712 0.000 246.524 0.000
201803 0.367 249.554 0.486
201806 0.107 251.989 0.140
201809 0.554 252.439 0.725
201812 0.572 251.233 0.752
201903 0.514 254.202 0.668
201906 0.235 256.143 0.303
201909 0.613 256.759 0.788
201912 0.541 256.974 0.695
202003 0.578 258.115 0.739
202006 -0.125 257.797 -0.160
202009 0.830 260.280 1.053
202012 0.663 260.474 0.841
202103 1.685 264.877 2.101
202106 0.643 271.696 0.781
202109 0.671 274.310 0.808
202112 0.291 278.802 0.345
202203 0.733 287.504 0.842
202206 0.710 296.311 0.791
202209 0.872 296.808 0.970
202212 1.113 296.797 1.238
202303 0.970 301.836 1.061
202306 0.789 305.109 0.854
202309 1.112 307.789 1.193
202312 0.536 306.746 0.577
202403 0.263 312.332 0.278
202406 -0.058 314.175 -0.061
202409 0.346 315.301 0.362
202412 0.626 315.605 0.655
202503 0.183 319.799 0.189
202506 -0.341 322.561 -0.349
202509 0.707 324.800 0.719
202512 0.848 324.054 0.864
202603 0.869 330.213 0.869

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.68 mean?
MainStreet Bancshares (MNSB) has a Cyclically Adjusted FCF per Share of $2.68 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on MainStreet Bancshares and its competitors.
Is MainStreet Bancshares' Cyclically Adjusted FCF per Share too high?
MainStreet Bancshares' current Cyclically Adjusted FCF per Share is $2.68. Overall, MainStreet Bancshares has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MainStreet Bancshares' Cyclically Adjusted FCF per Share compare to BMBN and PLQC?
MainStreet Bancshares' Cyclically Adjusted FCF per Share of $2.68 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on MainStreet Bancshares and its competitors. MainStreet Bancshares's current Cyclically Adjusted FCF per Share is $2.68. 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 (MNSB) is currently considered Modestly Overvalued. The stock's GF Value™ is $19.58, compared to a current price of $24.53 — trading 25.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.68. MainStreet Bancshares' overall GF Score™ is 67/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For MainStreet Bancshares (MNSB), the current Cyclically Adjusted FCF per Share is $2.68 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 (MNSB) Overvalued in 2026?

Based on GuruFocus' analysis, MainStreet Bancshares stock appears to be overvalued. The current stock price of $24.53 is trading 25.3% above its estimated GF Value™ of $19.58. GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.

Key valuation signals for MNSB:

  • Cyclically Adjusted FCF per Share: $2.68
  • GF Value™: $19.58 vs. price of $24.53 (25.3% above fair value)
  • GF Score™: 67/100 with 8 warning signs

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


MainStreet Bancshares Business Description

Other Exchanges MNSBP.PFD:USA5L0:Germany
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.
67GF Score

Get the complete analysis for MNSB

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

$24.53
Price
$19.58
GF Value