MainStreet BancsharesMNSB +0.62%67 Return-on-Tangible-Equity is 7.57% as of Mar. 2026, which is 24% below its 10-year median of 10.01. 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. Among 1,526 Banks companies, MainStreet Bancshares ranks worse than 68.55% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. MainStreet Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $16.40 Mil. MainStreet Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $216.79 Mil. Therefore, MainStreet Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 7.57%.
The historical rank and industry rank for MainStreet Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
MNSB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -4.81 Med: 10.01 Max: 14.21
Current: 8.03
During the past 13 years, MainStreet Bancshares's highest Return-on-Tangible-Equity was 14.21%. The lowest was -4.81%. And the median was 10.01%.
MNSB's Return-on-Tangible-Equity is ranked worse than 68.55% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs MNSB: 8.03
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
MainStreet Bancshares Return-on-Tangible-Equity Related Terms
MainStreet Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for MainStreet Bancshares's Return-on-Tangible-Equity 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.
MNSB vs BMBN, PLQC, FGBI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, MainStreet Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MainStreet Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where MainStreet Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.57% mean?
MainStreet Bancshares (MNSB) has a Return-on-Tangible-Equity of 7.57% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on MainStreet Bancshares and its competitors. This is 24% below median its historical median of 10.01. According to the industry distribution chart, MainStreet Bancshares ranks #1046 out of 1526 companies in the Banks industry, placing it in the top 68.5%.
Is MainStreet Bancshares' Return-on-Tangible-Equity too high?
MainStreet Bancshares' current Return-on-Tangible-Equity of 7.57% is 24% below median its 10-year median of 10.01. The Banks industry median Return-on-Tangible-Equity is 11.20. MainStreet Bancshares' value of 7.57% is 32.4% below this industry median. Based on the distribution chart, MainStreet Bancshares ranks #1046 out of 1526 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' Return-on-Tangible-Equity compare to BMBN and PLQC?
According to the Banks industry distribution chart, MainStreet Bancshares ranks #1046 out of 1526 companies for Return-on-Tangible-Equity. This places MainStreet Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. MainStreet Bancshares' value of 7.57% is 32.4% below this benchmark. While the company's 10-year median is 10.01 vs. the industry median of 11.20, MainStreet Bancshares has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MainStreet Bancshares's current Return-on-Tangible-Equity of 7.57% is 32.4% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on MainStreet Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MainStreet Bancshares's current Return-on-Tangible-Equity is 7.57%, which is 24% below median its own 10-year median of 10.01. 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 $24.07 — trading 22.9% above its estimated fair value. The current Return-on-Tangible-Equity is 7.57%, which is 24% below median its 10-year median of 10.01 and 32.4% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For MainStreet Bancshares (MNSB), the current Return-on-Tangible-Equity is 7.57% 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 $24.07 is trading 22.9% above its estimated GF Value™ of $19.58.
GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.
Key valuation signals for MNSB:
Return-on-Tangible-Equity: 7.57% (24% below median its 10-year median of 10.01)
GF Value™: $19.58 vs. price of $24.07 (22.9% above fair value)
Industry Position: 32.4% below the Banks median (#1046 of 1526)
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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