MainStreet BancsharesMNSB +3.57%67 OCF Margin % is 36.89% as of Mar. 2026, which is 8% above its 10-year median of 34.22. GuruFocus rates MNSB with a GF Score™ of 67/100 and a GF Value™ of $19.63 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,501 Banks companies, MainStreet Bancshares ranks worse than 55.23% on this metric.
The historical rank and industry rank for MainStreet Bancshares's OCF Margin % or its related term are showing as below:
MNSB'
s OCF Margin % Range Over the Past 10 Years
Min: 20.21 Med: 34.22 Max: 48.83
Current: 27.05
During the past 13 years, the highest OCF Margin % of MainStreet Bancshares was 48.83%. The lowest was 20.21%. And the median was 34.22%.
MNSB's OCF Margin % is ranked worse than 55.23% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs MNSB: 27.05
MainStreet Bancshares OCF Margin % Related Terms
MainStreet Bancshares OCF Margin % Historical Data
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The historical data trend for MainStreet Bancshares's OCF Margin % 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.
For the Banks - Regional subindustry, MainStreet Bancshares's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MainStreet Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where MainStreet Bancshares's OCF Margin % falls into.
* 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 OCF Margin % of 36.89% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on MainStreet Bancshares and its competitors. This is near median its historical median of 34.22. Over the past decade, MainStreet Bancshares' OCF Margin % has ranged from 20.21 to 48.83. According to the industry distribution chart, MainStreet Bancshares ranks #829 out of 1501 companies in the Banks industry, placing it in the top 55.2%.
Is MainStreet Bancshares' OCF Margin % too high?
MainStreet Bancshares' current OCF Margin % of 36.89% is near median its 10-year median of 34.22. Over the past 10 years, this metric has ranged from a low of 20.21 to a high of 48.83. The Banks industry median OCF Margin % is 29.44. MainStreet Bancshares' value of 36.89% is 25.3% above this industry median. Based on the distribution chart, MainStreet Bancshares ranks #829 out of 1501 companies in the Banks industry, which is below the industry midpoint. 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' OCF Margin % compare to BKUT and NODB?
According to the Banks industry distribution chart, MainStreet Bancshares ranks #829 out of 1501 companies for OCF Margin %. This places MainStreet Bancshares in the lower half of its industry. The industry median OCF Margin % is 29.44. MainStreet Bancshares' value of 36.89% is 25.3% above this benchmark. Historically, MainStreet Bancshares' own OCF Margin % has ranged from 20.21 to 48.83 over the past decade. While the company's 10-year median is 34.22 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MainStreet Bancshares's current OCF Margin % of 36.89% is 25.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on MainStreet Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MainStreet Bancshares's current OCF Margin % is 36.89%, which is near median its own 10-year median of 34.22. 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 $25.04 — trading 27.6% above its estimated fair value. The current OCF Margin % is 36.89%, which is near median its 10-year median of 34.22 and 25.3% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For MainStreet Bancshares (MNSB), the current OCF Margin % is 36.89% 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 $25.04 is trading 27.6% above its estimated GF Value™ of $19.63.
GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.
Key valuation signals for MNSB:
OCF Margin %: 36.89% (near median its 10-year median of 34.22)
GF Value™: $19.63 vs. price of $25.04 (27.6% above fair value)
Industry Position: 25.3% above the Banks median (#829 of 1501)
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.
67GF Score
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