MainStreet Bancshares (FRA:5L0) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

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FRA:5L0 MainStreet Bancshares Inc FRA:5L0
69 GF Score
Price €19.70
GF Value €15.94
Valuation Modestly Overvalued
! 8 Warning Signs
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What is MainStreet Bancshares LT-Debt-to-Total-Asset?

MainStreet Bancshares FRA:5L0 -1.01% 69 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates FRA:5L0 with a GF Score™ of 69/100 and a GF Value™ of €15.94 (Modestly Overvalued). The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. MainStreet Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

MainStreet Bancshares's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.03) to Mar. 2026 (0.03).

MainStreet Bancshares  (FRA:5L0) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

MainStreet Bancshares LT-Debt-to-Total-Asset Related Terms

MainStreet Bancshares LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for MainStreet Bancshares's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

MainStreet Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.09 0.04 0.03 0.03

MainStreet Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.03 0.03 0.03 0.03 0.03
FRA:5L0
69GF Score
MainStreet Bancshares Inc FRA:5L0
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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MainStreet Bancshares LT-Debt-to-Total-Asset Calculation

MainStreet Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=59.725/1889.619
=0.03

MainStreet Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=60.58/1923.148
=0.03

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.03 mean?
MainStreet Bancshares (FRA:5L0) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on MainStreet Bancshares and its competitors.
Is MainStreet Bancshares' LT-Debt-to-Total-Asset too high?
MainStreet Bancshares' current LT-Debt-to-Total-Asset is 0.03. Overall, MainStreet Bancshares has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MainStreet Bancshares' LT-Debt-to-Total-Asset compare to BMBN and PLQC?
MainStreet Bancshares' LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on MainStreet Bancshares and its competitors. MainStreet Bancshares's current LT-Debt-to-Total-Asset is 0.03. 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 €15.94, compared to a current price of €19.70 — trading 23.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. MainStreet Bancshares' overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For MainStreet Bancshares (FRA:5L0), the current LT-Debt-to-Total-Asset is 0.03 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 €19.70 is trading 23.6% above its estimated GF Value™ of €15.94. GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:5L0:

  • LT-Debt-to-Total-Asset: 0.03
  • GF Value™: €15.94 vs. price of €19.70 (23.6% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for FRA:5L0

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€19.70
Price
€15.94
GF Value