MainStreet BancsharesMNSB +3.57%67 ROA % is 0.74% as of Mar. 2026, which is 28% below its 10-year median of 1.03. 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 1,529 Banks companies, MainStreet Bancshares ranks worse than 63.31% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. MainStreet Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $16.40 Mil.
MainStreet Bancshares's average Total Assets over the quarter that ended in Mar. 2026 was $2,217.98 Mil. Therefore, MainStreet Bancshares's annualized ROA % for the quarter that ended in Mar. 2026 was 0.74%.
The historical rank and industry rank for MainStreet Bancshares's ROA % or its related term are showing as below:
MNSB'
s ROA % Range Over the Past 10 Years
Min: -0.47 Med: 1.03 Max: 1.49
Current: 0.79
During the past 13 years, MainStreet Bancshares's highest ROA % was 1.49%. The lowest was -0.47%. And the median was 1.03%.
MNSB's ROA % is ranked worse than 63.31% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs MNSB: 0.79
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, MainStreet Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where MainStreet Bancshares's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
MainStreet Bancshares (MNSB) has a ROA % of 0.74% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on MainStreet Bancshares and its competitors. This is 28% below median its historical median of 1.03. According to the industry distribution chart, MainStreet Bancshares ranks #968 out of 1529 companies in the Banks industry, placing it in the top 63.3%.
Is MainStreet Bancshares' ROA % too high?
MainStreet Bancshares' current ROA % of 0.74% is 28% below median its 10-year median of 1.03. The Banks industry median ROA % is 0.98. MainStreet Bancshares' value of 0.74% is 24.5% below this industry median. Based on the distribution chart, MainStreet Bancshares ranks #968 out of 1529 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' ROA % compare to BKUT and NODB?
According to the Banks industry distribution chart, MainStreet Bancshares ranks #968 out of 1529 companies for ROA %. This places MainStreet Bancshares in the lower half of its industry. The industry median ROA % is 0.98. MainStreet Bancshares' value of 0.74% is 24.5% below this benchmark. While the company's 10-year median is 1.03 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MainStreet Bancshares's current ROA % of 0.74% is 24.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on MainStreet Bancshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MainStreet Bancshares's current ROA % is 0.74%, which is 28% below median its own 10-year median of 1.03. 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 (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 ROA % is 0.74%, which is 28% below median its 10-year median of 1.03 and 24.5% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For MainStreet Bancshares (MNSB), the current ROA % is 0.74% 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:
ROA %: 0.74% (28% below median its 10-year median of 1.03)
GF Value™: $19.63 vs. price of $25.04 (27.6% above fair value)
Industry Position: 24.5% below the Banks median (#968 of 1529)
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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