MainStreet Bancshares, Inc. (MNSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$25.44+0.91%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · MNSB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -14.4% |
| Our one-year growth estimate | diamond | -30.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 16.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
MNSB — dividend update
Dated 2026-08-21
Other Events. On August 21, 2026, the Board of Directors of MainStreet Bancshares, Inc. announced the declaration of a quarterly cash dividend on the outstanding shares of the Company’s 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, par value $1.00 per share (the “Series A Preferred Stock”). On September 15 and 25, 2020, the Company issued an aggregate of 1,150,000 depositary shares (the “Depositary Shares”), each representing a 1/40th ownership interest in a share of the…
Why it matters: A steady or rising net interest margin shows good funding strategies and profit.
Supportive ifQ3 net interest margin was above 3.50%.
Worry ifQ3 net interest margin falls below 3.50%.
Why it matters: A drop below 15% signals a slowdown in revenue growth for the sector. This could impact MainStreet's performance.
Worry ifQ2 revenue growth reported below 15% year over year.
Less concerning ifQ2 revenue growth remains at or above 15% year over year.
Why it matters: Net income growth is key for keeping investor trust and supporting the stock price.
Supportive ifIn Q3, net income was over $4.7 million. This shows strong performance.
Worry ifIn Q3, net income was below $4.1 million. This raises worries about profits.
Why it matters: Growing margins show good funding strategies. This can help make more money.
Supportive ifIn Q3, net interest margins rose above 3.53%. This shows good funding strategies.
Worry ifIn Q3, net interest margins fell below 3.47%. This suggests there are funding problems.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$104 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $288 loss on $10,000 · 2.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,812 loss on $10,000 · 18.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Strong loan growth shows good management and demand in commercial real estate.
Supportive ifNew loans booked exceed $75 million in the next quarter.
Worry ifNew loans booked fall below $75 million in the next quarter.
Why it matters: A drop in sector revenue growth could impact MainStreet's performance and outlook.
Worry ifSector revenue growth falls below its median of 15%.
Less concerning ifSector revenue growth remains above its median of 15%.
Why it matters: Ongoing growth in this segment supports the bank's strategy and financial health.
Supportive ifOwner-occupied commercial real estate loans grew by over $90 million from last year.
Worry ifOwner-occupied commercial real estate loans grew by less than $90 million from last year.
Why it matters: Ongoing share buybacks can boost shareholder value and raise book value.
Supportive ifCompany repurchases more than 200,000 shares in Q3.
Worry ifNo share repurchases occur in Q3.
Why it matters: A steady dividend means the company has reliable cash flow. It shows management cares about giving value back to shareholders.
Watch forQuarterly cash dividend remains at $0.10 per share.
Also watch forQuarterly cash dividend is reduced below $0.10 per share.