MainStreet Bancshares, Inc. (MNSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$21.65-1.41%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 | -25.0% |
| Our one-year growth estimate | diamond | -34.9% |
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.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
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 9.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
MNSB — earnings miss
Dated 2026-10-26
Results of Operations and Financial Condition. On October 26, 2026, MainStreet Bancshares, Inc. (the “Company”) issued a press release setting forth the Company’s third quarter 2026 unaudited financial results. A copy of the Company’s press release is attached hereto as Exhibit 99.1, is hereby incorporated by reference, and will be posted on the Company's website.
Why it matters: Net interest margin rose for three straight quarters, reaching 3.55% in Q3. Another rise would extend this trend.
Supportive ifThe next quarterly report shows net interest margin above 3.55%.
Worry ifThe next quarterly report shows net interest margin at or below 3.47%.
Why it matters: Gross loans grew to $1.96 billion in Q3. Deposit growth matters too, since loans already use much of the deposit base.
Watch forGross loans rise above $1.96 billion while the loan-to-deposit ratio stays at or below 100%.
Also watch forGross loans fall below the Q3 level, or the loan-to-deposit ratio rises above 100%.
Why it matters: MNSB reported repurchases in Q1 and Q2, but the Q3 release gives no new share count. A renewed buyback would extend its capital plan.
Supportive ifThe next report lists shares bought back after Q2. It confirms these purchases added to tangible book value.
Worry ifThe next report confirms no shares were repurchased after Q2.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$89 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $276 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,714 loss on $10,000 · 17.1% | 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.