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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1956
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$161M
Jeff W. Dick
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank. It provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company operated six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon and Washington D.C., as of March 18, 2022.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = MNSB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$MNSB MainStreet Bancshares, Inc. | 50 | 33 | 58 | 69 | 14.5x | 12.0x | 5.4% | 0.6% | 54.0% | 14.7% | 20.3% | 6754.3% | 1.9% | 873.0x | $161M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
MainStreet Bancshares, Inc. (MNSB) receives a "Hold" rating with a composite score of 50.3/100. It ranks #1956 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for MNSB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 33 | 56 | -23DRAG |
| MOMENTUM | 69 | 76 | -7DRAG |
| VALUATION | 58 | 82 | -24DRAG |
| INVESTMENT | 28 | 32 | -4NEUTRAL |
| STABILITY | 58 | 64 | -6DRAG |
| SHORT INT | 34 | 26 | +8ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 9.3% vs WACC 12.0% (spread -2.6%)
GM 54% vs sector 78%, OM 15% vs sector 18%
Capital turnover 0.73x
Rev growth 6754%, 7yr history
Interest coverage 0.4x, Net debt/EBITDA 8.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate MainStreet Bancshares, Inc. (MNSB) as a Hold with a composite score of 50.3/100 at a current price of $22.21. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
MainStreet Bancshares, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 50.3/100 places it at rank #1956 in our full universe.
The near-term outlook is constructive, with revenue growing at 6754% and momentum in the 69th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Medium
Poor
Fair Value
Gross margins of 54% signal strong pricing power.
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 873% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
MainStreet Bancshares, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns MainStreet Bancshares, Inc. a Hold rating, with a composite score of 50.3/100 and 3 out of 5 stars. Ranked #1956 of 7,333 stocks, MNSB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
MNSB's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 5.4% (sector avg: 9.0%), gross margins of 54.0% (sector avg: 77.7%), net margins of 20.3% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
MNSB's value score of 58/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 14.46x, an EV/EBITDA of 11.96x, a P/B ratio of 0.78x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
MainStreet Bancshares, Inc.'s investment score of 28/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 6754.3% vs. a sector average of 10.7% and a return on assets of 0.6% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
MNSB demonstrates moderate momentum with a score of 69/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 6754.3% year-over-year, while a beta of 0.58 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 58/100, MNSB exhibits average financial resilience. Key stability metrics include a beta of 0.58 and a debt-to-equity ratio of 873.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
MainStreet Bancshares, Inc.'s short interest score of 34/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 873.00x), micro-cap liquidity risk. At $161M (micro-cap), MNSB carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
MNSB offers a modest dividend yield of 1.9%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
MainStreet Bancshares, Inc. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1956 of 7,333 overall (73rd percentile). Key comparisons include ROE of 5.4% trailing the 9.0% sector median and operating margins of 14.7% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While MNSB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (69) vs Investment (28) — closing this gap could shift the rating.
EV/EBITDA 54% ABOVE SECTOR MEDIAN
ROE 40% BELOW SECTOR MEDIAN
Gross Margin 31% BELOW SECTOR MEDIAN
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Moreover, at the end of the last trading period, the closing price was at $12.11. According to Wolfe Research, the prior rating for Datadog Inc (NASDAQ:DDOG) was changed from Peer Perform to Outperform. Datadog earned $0.28 in the first quarter, compared to $0.24 in the year-ago quarter. The current stock performance of Datadog shows a 52-week-high of $120.71 and a 52-week-low of $61.34. Moreover, at the end of the last trading period, the closing price was at $111.49. For Walmart Inc (NYSE:WMT), Piper Sandler upgraded the previous rating of Neutral to Overweight. For the first quarter, Walmart had an EPS of $1.47, compared to year-ago quarter EPS of $1.30. At the moment, the stock has a 52-week-high of $159.88 and a 52-week-low of $120.07. Walmart closed at $159.30 at the end of the last trading period. See all analyst ratings upgrades. Downgrades Stephens & Co. downgraded the previous rating for MainStreet Bancshares Inc (NASDAQ:MNSB) from Overweight to Equal-Weight. MainStreet Bancshares earned $0.85 in the second quarter, compared to $0.71 in the year-ago quarter. At the moment, the stock has a 52-week-high of $29.93 and a 52-week-low of $19.43. MainStreet Bancshares closed at $24.08 at the end of the last trading period. According to Capital One, the prior rating for Denbury Inc (NYSE:DEN) was changed from Overweight to Equal-Weight. Denbury earned $1.36 in the first quarter, compared to $1.69 in the year-ago quarter. At the moment, the stock has a 52-week-high of $104.05 and a 52-week-low of $59.00. Denbury closed at $86.53 at the end of the last trading period. According to Chardan Capital, the prior rating for Kodiak Sciences Inc (NASDAQ:KOD) was changed from Buy to Neutral. Kodiak Sciences earned $1.35 in the first quarter, compared to $1.83 in the year-ago quarter. The stock has a 52-week-high of $12.76 and a 52-week-low of $2.77. At the end of the last trading period, Kodiak Sciences closed at $3.94. 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MainStreet Bank (NASDAQ:MNSB) executives used the company’s prerecorded 2025 earnings webcast to outline a return to “core banking” priorities, a recovery from a 2024 technology transition, and plans to carry late-year loan and deposit momentum into 2026. Chairman and CEO Jeff Dick was joined by CFO
Although US stocks closed higher on Thursday, there were a few notable insider trades. When insiders purchase shares, it indicates their confidence in the company's prospects or that they view the stock as a bargain. Either way, this signals an opportunity to go long on the stock. Insider purchases should not be taken as the only indicator for making an investment or trading decision. At best, it can lend conviction to a buying decision. Below is a look at a few recent notable insider purchases. For more, check out Benzinga's insider transactions platform. Cleveland-Cliffs The Trade: Cleveland-Cliffs Inc (NYSE: CLF) Chairman, President and CEO Lourenco Goncalves acquired a total of 100,000 shares an average price of $14.96. To acquire these shares, it cost around $1.5 million. The company’s EVP and president, CC ...
MainStreet Bank (MNSB) delivered earnings and revenue surprises of -30.77% and 6.85%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
Above 50MA
37.18%
Net New Highs
+51081