MAINSTREET BANCSHARES INC (MNSB)
Financials · Regional Banks · NASDAQ
MainStreet Bancshares is a Virginia-based community commercial bank that combines local, personalized client service with sophisticated digital banking technologies to compete against larger regional institutions.
What MAINSTREET BANCSHARES INC does
MainStreet Bancshares, Inc. is a financial holding company that operates through its wholly owned subsidiary, MainStreet Bank, a community-focused commercial bank. The company provides a range of banking services, including commercial and retail lending, cash management, and depository products, to small to medium-sized businesses and individuals in Northern Virginia and the Washington, D.C. metropolitan area. MainStreet emphasizes personalized service and advanced banking technology, such as online business banking solutions and remote deposit capture.
Themes: community banking, digital transformation in banking, commercial lending, local banking franchise
Fundamentals
- Price$24.81 as of 2026-08-21 close
- Market cap$177M as of 2026-08-21
- 1-year return+14.1% 2025-08-21 close $21.75 → 2026-08-21 close $24.81
- P/E10.26 as of 2026-08-24
- Net margin+34.8% as of 2026-08-24
- ROE+8.0% as of 2026-08-24
- Debt / equity0.33 as of 2026-08-24
- Revenue CAGR (3y)-3.4% SEC XBRL
- Beta0.56 as of 2026-08-24
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.8%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How MNSB compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 10% 347 covered Financials peers
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, MNSB's dividend was covered by reported results (earnings payout 20%, free-cash-flow payout 29%). This describes past coverage, not a forecast.
- Earnings payout20% dividends / net income
- Free-cash-flow payout29% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How MAINSTREET BANCSHARES INC looks technically
MAINSTREET BANCSHARES INC (MNSB) is trading 11.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 164 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 4 trading days ago. It is 3.5% below its 52-week high (its highest price of the past year).
Trend
8
| Distance from the 200-day | it is trading 11.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +11.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $24.22 | $24.22 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $22.26 | $22.26 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 21 calendar days ago — the swings before that are what the structure reading is measured on | 21 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 22.65. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 164 trading days ago — a "golden cross", a bullish long-term signal | 164 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend) | 19.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30) | 55.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($23.14 to $25.71) — its "stochastic" reading is 65 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 65.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 12 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $25.71 | $25.71 |
|---|---|---|
| From the 52-week high | it is 3.5% below its 52-week high (its highest price of the past year) | -3.5% |
| Above the 52-week low | it is 38.9% above its 52-week low (its lowest price of the past year) | +38.9% |
| Below the 52-week high | it is 3.5% below its highest point of the past year | 3.5% |
| Since a 20-day breakout | it made a new 20-day high about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day high about 4 trading days ago | 4 sessions |
| All-time high | its highest closing price on record is $30.98 (set on 2022-11-18) | $30.98 |
| Given back of the 52-week move | over the past year its closes ranged ($18.12 to $25.35), and it has given back only a small part of its rise from last year’s low — 7% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $20.65 to $20.88. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 7.5% |
| From the all-time high | it is 19.9% below its all-time high | -19.9% |
| Nearest price level | it is trading 1.4% below a resistance level at $25.17 — a price it turned at five times since 2026-04-20, most recently on 2026-07-16. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.4% |
| All-time low | its lowest closing price on record is $2.90 (set on 2009-03-05) | $2.90 |
| Above the all-time low | it is 754.1% above its all-time low | +754.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 92% of the past ~6 months) | 92nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6339 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6339 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $22.63 and $25.70 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $22.63 – $24.17 – $25.70 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 4.0 daily ranges above its 200-day average price (11.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.0 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.78× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | 9 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 9 sessions ago |
|---|---|---|
| Since a bullish engulfing | 1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 1 session ago |
| Since a bearish engulfing | today it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | today |
Price gaps
1
| Gap at the open | it opened on 2026-08-21 0.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.1% |
|---|
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 3.7 percentage points (the stock gained 6.1% while the market gained 2.3%) | +3.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.0 percentage points (the stock gained 7.1% while the market gained 3.1%) | +4.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 2.3 percentage points (the stock gained 8.8% while the market gained 11.1%) | -2.3% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 6.4 percentage points (the stock gained 14.1% while the market gained 20.5%) | -6.4% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.3% of the share price. | +1.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $22.99 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +7.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% above the average price paid since it last reported on 2026-07-20 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $24.17 — a volume-weighted average of daily closes over 24 sessions, not a true tick-by-tick VWAP. | +2.6% |
Price levels it has turned at before
MNSB last closed at $24.81 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $25.17 | Resistance | 1.4% above the last close | turned there five times · 2026-04-20 to 2026-07-16 |
| $23.53 | Support | 5.2% below the last close | turned there three times · 2026-02-04 to 2026-07-09 |
| $22.81 | Support | 8.1% below the last close | turned there three times · 2025-07-22 to 2026-07-31 |
| $21.98 | Support | 11.4% below the last close | turned there five times · 2025-08-13 to 2026-05-15 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $22.65.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · trendless / choppy (low ADX) · Printed a bearish engulfing pair · Trading above the Ichimoku cloud · Near a resistance level (pressing into a price that has capped it before) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$27.50 range $27.50 – $27.50
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for MNSB
- Consensus EPS estimate$0.58 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration of loan portfolio in a specific geographic market area (Northern Virginia/Washington D.C.)","Interest rate risk affecting net interest income and margins","Credit risk regarding the quality of the loan portfolio"]
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 90 days0 buys · 1 sell ($104400) — 1 selling insider
- Last 180 days0 buys · 1 sell ($104400) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-04. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about MNSB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding MNSB as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 486,209
- Reported value $10,793,839
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
MNSB had 179,058 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
MNSB had 2.51% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.91 days to cover at the same settlement.
- Reported short interest (shares) 179,058
- Short interest (% of shares outstanding) 2.51%
- Prior settlement (shares) 178,692
- Reported change 0.2%
- Days to cover (reported) 4.91
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- United Bankshares (UBSI)
- Fulton Financial (FULT)
- Sandy Spring Bancorp (SASR)
- TowneBank (TOWN)
- Eagle Bancorp (EGBN)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare MNSB vs…
Frequently asked questions
What does MAINSTREET BANCSHARES INC (MNSB) do?
MainStreet Bancshares, Inc. is a financial holding company that operates through its wholly owned subsidiary, MainStreet Bank, a community-focused commercial bank. The company provides a range of banking services, including commercial and retail lending, cash management, and depository products, to small to medium-sized businesses and individuals in Northern Virginia and the Washington, D.C. metropolitan area.
What sector is MAINSTREET BANCSHARES INC (MNSB) in?
MAINSTREET BANCSHARES INC (MNSB) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does MNSB pay a dividend?
Yes — MAINSTREET BANCSHARES INC (MNSB) pays a dividend, with an indicated yield of about 1.82% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are MAINSTREET BANCSHARES INC's (MNSB) competitors?
Notable peers of MAINSTREET BANCSHARES INC (MNSB) include United Bankshares, Fulton Financial, Sandy Spring Bancorp, TowneBank and Eagle Bancorp. This peer set is informational only — not financial advice.
Is MAINSTREET BANCSHARES INC (MNSB) overbought or oversold right now?
MAINSTREET BANCSHARES INC (MNSB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 55, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on MNSB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.