MainStreet Bancshares (FRA:5L0) Cyclically Adjusted PB Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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FRA:5L0 MainStreet Bancshares Inc FRA:5L0
67 GF Score
Price €21.00
GF Value €17.11
Valuation Modestly Overvalued
! 7 Warning Signs
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What is MainStreet Bancshares Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


MainStreet Bancshares  (FRA:5L0) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


MainStreet Bancshares Cyclically Adjusted PB Ratio Related Terms


MainStreet Bancshares Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for MainStreet Bancshares's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

MainStreet Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.69 1.75 1.34 0.82 0.82

MainStreet Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio 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 0.79 0.86 0.85 0.91 1.03

FRA:5L0 vs BAFN, PLQC, BVFL: Cyclically Adjusted PB Ratio 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
67GF Score
MainStreet Bancshares Inc FRA:5L0
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MainStreet Bancshares Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

MainStreet Bancshares's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

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

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=23.002/333.9520*333.9520
=23.002

Current CPI (Jun. 2026) = 333.9520.

MainStreet Bancshares Quarterly Data

Book Value per Share CPI Adj_Book
201609 9.081 241.428 12.561
201612 9.799 241.432 13.554
201703 9.916 243.801 13.583
201706 9.524 244.955 12.984
201709 9.433 246.819 12.763
201712 9.972 246.524 13.508
201803 9.987 249.554 13.365
201806 10.758 251.989 14.257
201809 12.581 252.439 16.643
201812 12.970 251.233 17.240
201903 13.492 254.202 17.725
201906 13.734 256.143 17.906
201909 14.793 256.759 19.240
201912 14.779 256.974 19.206
202003 15.479 258.115 20.027
202006 15.102 257.797 19.563
202009 15.013 260.280 19.262
202012 15.415 260.474 19.763
202103 16.343 264.877 20.605
202106 17.019 271.696 20.919
202109 17.813 274.310 21.686
202112 18.700 278.802 22.399
202203 18.980 287.504 22.046
202206 20.479 296.311 23.080
202209 22.371 296.808 25.171
202212 21.530 296.797 24.225
202303 21.741 301.836 24.054
202306 22.328 305.109 24.439
202309 23.407 307.789 25.397
202312 23.361 306.746 25.433
202403 23.818 312.332 25.467
202406 24.246 314.175 25.772
202409 23.428 315.301 24.814
202412 22.953 315.605 24.287
202503 21.915 319.799 22.885
202506 20.593 322.561 21.320
202509 21.112 324.800 21.707
202512 21.731 324.054 22.395
202603 22.245 330.213 22.497
202606 23.002 333.952 23.002

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

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

Based on GuruFocus' analysis, MainStreet Bancshares stock appears to be overvalued. The current stock price of €21.00 is trading 22.7% above its estimated GF Value™ of €17.11. GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:5L0:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €17.11 vs. price of €21.00 (22.7% above fair value)
  • GF Score™: 67/100 with 7 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.
67GF Score

Get the complete analysis for FRA:5L0

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

€21.00
Price
€17.11
GF Value