MNSB (MainStreet Bancshares) Scaled Net Operating Assets: 0.11 (As of Mar. 2026)


MNSB MainStreet Bancshares Inc MNSB
66 GF Score
Price $24.70
GF Value $19.63
Valuation Modestly Overvalued
! 8 Warning Signs
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What is MainStreet Bancshares Scaled Net Operating Assets?

MainStreet Bancshares MNSB -1.68% 66 Scaled Net Operating Assets is 0.11 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MainStreet Bancshares's operating assets for the quarter that ended in Mar. 2026 was $2,189.07 Mil. MainStreet Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $1,938.27 Mil. MainStreet Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $2,212.67 Mil. Therefore, MainStreet Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.11.

MNSB
66GF Score
MainStreet Bancshares Inc MNSB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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MainStreet Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MainStreet Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2186.214-1924.142)/2228.098
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2212.669 - 26.455
=2186.214

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1994.078 - 69.936 - 0
=1924.142

MainStreet Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2189.067-1938.274)/2212.669
=0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2223.293 - 34.226
=2189.067

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2008.309 - 70.035 - 0
=1938.274

* 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.

What does a Scaled Net Operating Assets of 0.11 mean?
MainStreet Bancshares (MNSB) has a Scaled Net Operating Assets of 0.11 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MainStreet Bancshares and its competitors.
Is MainStreet Bancshares' Scaled Net Operating Assets too high?
MainStreet Bancshares' current Scaled Net Operating Assets is 0.11. 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' Scaled Net Operating Assets compare to BMBN and PLQC?
MainStreet Bancshares' Scaled Net Operating Assets of 0.11 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MainStreet Bancshares and its competitors. MainStreet Bancshares's current Scaled Net Operating Assets is 0.11. 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 $24.70 — trading 25.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For MainStreet Bancshares (MNSB), the current Scaled Net Operating Assets is 0.11 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 $24.70 is trading 25.8% above its estimated GF Value™ of $19.63. GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.

Key valuation signals for MNSB:

  • Scaled Net Operating Assets: 0.11
  • GF Value™: $19.63 vs. price of $24.70 (25.8% above fair value)
  • GF Score™: 66/100 with 8 warning signs

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 Business Description

Other Exchanges MNSBP.PFD:USA5L0:Germany
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.
66GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.70
Price
$19.63
GF Value