MainStreet BancsharesMNSB +1.62%66 EV-to-FCF is 15.36 as of Jul. 02, 2026, which is 31% above its 10-year median of 11.70. GuruFocus rates MNSB with a GF Score™ of 66/100 and a GF Value™ of $19.63 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,194 Banks companies, MainStreet Bancshares ranks worse than 77.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, MainStreet Bancshares's Enterprise Value is $241.82 Mil.
MainStreet Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $15.74 Mil. Therefore, MainStreet Bancshares's EV-to-FCF for today is 15.36.
The historical rank and industry rank for MainStreet Bancshares's EV-to-FCF or its related term are showing as below:
MNSB'
s EV-to-FCF Range Over the Past 10 Years
Min: 2.53 Med: 11.7 Max: 89.61
Current: 15.36
During the past 13 years, the highest EV-to-FCF of MainStreet Bancshares was 89.61. The lowest was 2.53. And the median was 11.70.
MNSB's EV-to-FCF is ranked worse than 77.3% of 1194
companies
in the Banks industry
Industry Median: 6.655
vs MNSB: 15.36
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
MainStreet Bancshares's PE Ratio (TTM) for today is calculated as:
MainStreet Bancshares's share price for today is $25.06.
MainStreet Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.990.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, MainStreet Bancshares's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, MainStreet Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where MainStreet Bancshares's EV-to-FCF falls into.
MainStreet Bancshares's current Enterprise Value is $241.82 Mil.
MainStreet Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $15.74 Mil.
* 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 (MNSB) has a EV-to-FCF of 15.36 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MainStreet Bancshares and its competitors. This is 31% above median its historical median of 11.70. Over the past decade, MainStreet Bancshares' EV-to-FCF has ranged from 2.53 to 89.61. According to the industry distribution chart, MainStreet Bancshares ranks #923 out of 1194 companies in the Banks industry, placing it in the top 77.3%.
Is MainStreet Bancshares' EV-to-FCF too high?
MainStreet Bancshares' current EV-to-FCF of 15.36 is 31% above median its 10-year median of 11.70. Over the past 10 years, this metric has ranged from a low of 2.53 to a high of 89.61. The Banks industry median EV-to-FCF is 6.66. MainStreet Bancshares' value of 15.36 is 130.8% above this industry median. Based on the distribution chart, MainStreet Bancshares ranks #923 out of 1194 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, MainStreet Bancshares has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MainStreet Bancshares' EV-to-FCF compare to BMBN and PLQC?
According to the Banks industry distribution chart, MainStreet Bancshares ranks #923 out of 1194 companies for EV-to-FCF. This places MainStreet Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.66. MainStreet Bancshares' value of 15.36 is 130.8% above this benchmark. Historically, MainStreet Bancshares' own EV-to-FCF has ranged from 2.53 to 89.61 over the past decade. While the company's 10-year median is 11.70 vs. the industry median of 6.66, MainStreet Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.66, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MainStreet Bancshares's current EV-to-FCF of 15.36 is 130.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MainStreet Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MainStreet Bancshares's current EV-to-FCF is 15.36, which is 31% above median its own 10-year median of 11.70. 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 $19.63, compared to a current price of $25.06 — trading 27.7% above its estimated fair value. The current EV-to-FCF is 15.36, which is 31% above median its 10-year median of 11.70 and 130.8% above the Banks industry median of 6.66. MainStreet Bancshares' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For MainStreet Bancshares (MNSB), the current EV-to-FCF is 15.36 as of Jul. 02, 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 $25.06 is trading 27.7% above its estimated GF Value™ of $19.63.
GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.
Key valuation signals for MNSB:
EV-to-FCF: 15.36 (31% above median its 10-year median of 11.70)
GF Value™: $19.63 vs. price of $25.06 (27.7% above fair value)
Industry Position: 130.8% above the Banks median (#923 of 1194)
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 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.
66GF Score
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