MainStreet Bancshares, Inc.
MainStreet Bancshares, Inc. Fundamental Analysis
MainStreet Bancshares, Inc. (MNSBP) shows moderate financial fundamentals with a PE ratio of 10.32, profit margin of 12.96%, and ROE of 7.98%. The company generates $0.1B in annual revenue with weak year-over-year growth of -1.44%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 35.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MNSBP's fundamental strength across five key dimensions:
Efficiency Score
WeakMNSBP struggles to generate sufficient returns from assets.
Valuation Score
ExcellentMNSBP trades at attractive valuation levels.
Growth Score
WeakMNSBP faces weak or negative growth trends.
Financial Health Score
ModerateMNSBP shows balanced financial health with some risks.
Profitability Score
WeakMNSBP struggles to sustain strong margins.
Key Financial Metrics
Is MNSBP Expensive or Cheap?
P/E Ratio
MNSBP trades at 10.32 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, MNSBP's PEG of 0.79 indicates potential undervaluation.
Price to Book
The market values MainStreet Bancshares, Inc. at 0.83 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.50 times EBITDA. This signals the market has high growth expectations.
How Well Does MNSBP Make Money?
Net Profit Margin
For every $100 in sales, MainStreet Bancshares, Inc. keeps $12.96 as profit after all expenses.
Operating Margin
Core operations generate 16.00 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.98 in profit for every $100 of shareholder equity.
ROA
MainStreet Bancshares, Inc. generates $0.78 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
MainStreet Bancshares, Inc. produces operating cash flow of $15.14M, showing steady but balanced cash generation.
Free Cash Flow
MainStreet Bancshares, Inc. produces free cash flow of $10.88M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.42 in free cash annually.
FCF Yield
MNSBP converts 6.07% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.32
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.79
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.83
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.32
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.33
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.14
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How MNSBP Stacks Against Its Sector Peers
| Metric | MNSBP Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.32 | 18.99 | Better (Cheaper) |
| ROE | 7.98% | 821.00% | Weak |
| Net Margin | 12.96% | 1914.00% | Weak |
| Debt/Equity | 0.33 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.14 | 657.31 | Weak Liquidity |
| ROA | 0.78% | -25084.00% (disorted) | Weak |
MNSBP outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews MainStreet Bancshares, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
107.68%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
5.55%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
-7.52%
Industry Style: Value, Dividend, Cyclical
Declining