MainStreet Bancshares（5L0）株式概要メインストリート・バンクシェアーズはメインストリート銀行の銀行持株会社として、個人、中小企業、専門サービス機関向けに様々な銀行商品やサービスを提供している。 詳細5L0 ファンダメンタル分析スノーフレーク・スコア評価3/6将来の成長0/6過去の実績2/6財務の健全性4/6配当金2/6報酬当社が推定した公正価値より40.9%で取引されている 今年は黒字化を達成 リスク分析過去5年間で収益は年間31.8%減少しました。 過去3か月間に大規模なインサイダー売却が発生 German市場と比較した過去 3 か月間の株価の変動すべてのリスクチェックを見る5L0 Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW493,048 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINROAG493,048 investors already sharing narrativesYour Fair Value€Current Price€20.2020.0% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-13m79m2016201920222025202620282031Revenue US$78.9mEarnings US$16.1mAdvancedSet Fair ValueView all narrativesMainStreet Bancshares, Inc. 競合他社UmweltBankSymbol: XTRA:UBKMarket cap: €154.0mMerkur PrivatBank KgaASymbol: XTRA:MBKMarket cap: €84.8mProCredit HoldingSymbol: XTRA:PCZMarket cap: €484.7mMaritime & Merchant BankSymbol: OTCNO:MMBANKMarket cap: NOK 1.5b価格と性能株価の高値、安値、推移の概要MainStreet Bancshares過去の株価現在の株価US$20.2052週高値US$23.4052週安値US$14.10ベータ0.521ヶ月の変化5.21%3ヶ月変化5.21%1年変化30.32%3年間の変化-5.61%5年間の変化-1.94%IPOからの変化51.65%最新ニュースNew Risk • 13hNew major risk - Revenue and earnings growthEarnings have declined by 32% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 32% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Significant insider selling over the past 3 months (€90k sold).お知らせ • Jul 06MainStreet Bancshares, Inc. to Report Q2, 2026 Results on Jul 20, 2026MainStreet Bancshares, Inc. announced that they will report Q2, 2026 results on Jul 20, 2026お知らせ • Jun 29+ 6 more updatesMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark IndexMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark IndexNew Risk • Jun 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 9.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (9.6% average weekly change). Significant insider selling over the past 3 months (€90k sold).Valuation Update With 7 Day Price Move • Jun 11Investor sentiment improves as stock rises 27%After last week's 27% share price gain to €22.80, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 20% over the past three years.Recent Insider Transactions • Jun 07Executive VP & CFO recently sold €90k worth of stockOn the 4th of June, Richard Vari sold around 5k shares on-market at roughly €19.96 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Richard's only on-market trade for the last 12 months.最新情報をもっと見るRecent updatesNew Risk • 13hNew major risk - Revenue and earnings growthEarnings have declined by 32% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 32% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Significant insider selling over the past 3 months (€90k sold).お知らせ • Jul 06MainStreet Bancshares, Inc. to Report Q2, 2026 Results on Jul 20, 2026MainStreet Bancshares, Inc. announced that they will report Q2, 2026 results on Jul 20, 2026お知らせ • Jun 29+ 6 more updatesMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark IndexMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark IndexNew Risk • Jun 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 9.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (9.6% average weekly change). Significant insider selling over the past 3 months (€90k sold).Valuation Update With 7 Day Price Move • Jun 11Investor sentiment improves as stock rises 27%After last week's 27% share price gain to €22.80, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 20% over the past three years.Recent Insider Transactions • Jun 07Executive VP & CFO recently sold €90k worth of stockOn the 4th of June, Richard Vari sold around 5k shares on-market at roughly €19.96 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Richard's only on-market trade for the last 12 months.お知らせ • May 22Mainstreet Bancshares, Inc. Appoints Oliver James as Senior Vice President, Director of Commercial & Industrial and Government Contract LendingMainStreet Bancshares, Inc. announced the appointment of Oliver James as Senior Vice President, Director of Commercial & Industrial and Government Contract Lending. A 25-year veteran of the D.C. banking community, Mr. James’ is well-suited to lead the Bank’s specialized team. Mr. James started his career in banking in 2001 at Wachovia where he completed their leadership development and training program. He is Omega Commercial Credit Certified and holds a background in economics from Brooklands College in London. Beyond his professional achievements, he is an active member of the community, formerly serving on the board of directors for the Fairfax Symphony Orchestra.お知らせ • Apr 25MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces an Equity Buyback for $10 million worth of its shares.MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces a share repurchase program. Under the program, the company will repurchase up to $10 million worth of its shares.お知らせ • Apr 21MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2026MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2026.お知らせ • Mar 29Mainstreet Bancshares, Inc. Appoints Morgan Higgins as DirectorMainstreet Bancshares, Inc. announced the appointment of Morgan Higgins, seasoned financial executive, as a Director of the Bank. Higgins brings over 20 years of experience in banking and government contracting, with a specific focus on strategic growth in the defense and government services markets. Higgins is a Partner at Blue Delta Capital Partners, a venture capital firm, where she leads equity investments in emerging government contracting businesses that are scaling in the U.S Federal Government market. Prior to Blue Delta, Higgins was an Executive Director at JP Morgan Chase where she helped grow and scale the Washington, D.C. Middle Market Aerospace and Government Service banking team with a focus on helping government contractors with all their banking needs including growth through mergers and acquisitions. Higgins also serves as a director of Core One Solutions, CSA, as well as the National Capital Chapter of Association for Corporate Growth, which focuses on building corporate expansion and value.お知らせ • Jan 28Mainstreet Bancshares, Inc. Announces Cash Dividend, Payable on February 16, 2026On January 27, 2026, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 16, 2026, to shareholders of record on February 9, 2026.お知らせ • Dec 20Mainstreet Bancshares, Inc. and MainStreet Bank Announces Resignation of Ali Reza Manouchehri as Director, Effective January 1, 2026MainStreet Bancshares, Inc. announced that Ali Reza Manouchehri, a director of MainStreet Bancshares, Inc. and MainStreet Bank, notified the Company and the Bank that he is resigning from the Boards of Directors of the Company and the Bank effective January 1, 2026. Mr. Manouchehri is the Chief Executive Officer of Metrostar Systems LLC, a high-growth government contracting company that was recently sold to Veritas Capital, and their strategic plan requires his full time and attention going forward. Following Mr. Manouchehri's resignation, the size of the Board of Directors of the Company will be reduced from eleven to ten.お知らせ • Nov 27MainStreet Bancshares, Inc. Announces CFO Changes, Effective December 31, 2025MainStreet Bancshares, Inc. announced that Thomas J. Chmelik will retire as the Chief Financial Officer on December 31, 2025. He will continue to serve as the Senior Executive Vice President and Secretary of the Bank and Company through December 31, 2027. Mr. Chmelik is a co-founder of MainStreet Bank, which opened in May 2004. Chmelik is a career banker having served as the CFO of four successful community banks in the Washington, DC market as well as working on a World Bank initiative to restructure the National Bank of Commerce – the largest commercial bank in Tanzania, Africa. Alex Vari, CPA, CFO and Executive Vice President of MainStreet Bank, will assume the role as Company CFO upon Chmelik's planned retirement.お知らせ • Oct 29MainStreet Bancshares, Inc. Announces Cash Dividend, Payable on November 18, 2025On October 28, 2025, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on November 18, 2025, to shareholders of record on November 11, 2025. The Board of Directors will consider future dividends to common shareholders after its review of the Company’s financial condition, results of operations, and other factors.お知らせ • Oct 21MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces an Equity Buyback for $10 million worth of its shares.MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces a share repurchase program. Under the program, the company will repurchase up to $10 million worth of its shares.お知らせ • Sep 25MainStreet Bancshares, Inc. and Mainstreet Bank Appoint Wendy Adeler Hall as Director, Effective October 16, 2025On September 18, 2025, the Boards of Directors Mainstreet Bancshares, Inc. (the "Company") and MainStreet Bank (the "Bank") appointed Wendy Adeler Hall as a director of the Company and the Bank, respectively, to fill the position vacated by Elizabeth Bennett in 2024. Ms. Adeler Hall's appointment will be effective as of October 16, 2025 and she will be up for election in 2026. Wendy Adeler Hall, age 55, is an accomplished leader in the jewelry industry with over three decades of experience in business development, marketing, and philanthropy. After founding her own successful gourmet food store, Memory Lane, she joined Adeler Jewelers in 1997 as Vice President of Marketing and Philanthropy. Under her leadership, the company grew into a premier custom design jeweler and became known for its community service. In 2011, she transitioned into business development, where she leveraged the brand's visibility by placing jewelry on over 300 celebrities and attracting national retailers. A George Mason University graduate, Wendy believes that community engagement is crucial for business success, a philosophy reflected in her extensive philanthropic work, which includes serving on the Advisory Board of CharityWorks and co-chairing the Brain & Behavior Research Foundation galas. In connection with Ms. Adeler Hall's appointment, the Board of the Company has appointed her to serve on the Nominating and Compensation Committee. The Board determined the Ms. Adeler Hall is an independent director under Nasdaq listing standards and the Company's corporate governance guidelines.お知らせ • Jul 25MainStreet Bancshares, Inc. announces Quarterly dividend, payable on August 13, 2025MainStreet Bancshares, Inc. announced Quarterly dividend of USD 0.1000 per share payable on August 13, 2025, ex-date on August 06, 2025 and record date on August 06, 2025.お知らせ • Apr 24MainStreet Bancshares, Inc. announces Quarterly dividend, payable on May 20, 2025MainStreet Bancshares, Inc. announced Quarterly dividend of USD 0.1000 per share payable on May 20, 2025, ex-date on May 09, 2025 and record date on May 09, 2025.お知らせ • Apr 19MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2025MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2025. Location: proxydocs.com/mnsb, United Statesお知らせ • Jan 30Mainstreet Bancshares, Inc. Declares Cash Dividend to Common Shareholders, Payable on February 17, 2025On January 28, 2025, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 17, 2025, to shareholders of record on February 10, 2025.お知らせ • Jan 27MainStreet Bancshares, Inc. Reports Unaudited Impairment Charges for the Fourth Quarter Ended December 31, 2024MainStreet Bancshares, Inc. reported unaudited impairment charges for the fourth quarter ended December 31, 2024. for the quarter, the company reported Computer software intangible impairment of $19,721,000.Declared Dividend • Nov 04Third quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 12th November 2024 Payment date: 19th November 2024 Dividend yield will be 2.5%, which is lower than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (8% payout ratio) and is expected to be well covered in 3 years' time (36% forecast payout ratio). The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 5.7% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Oct 29Third quarter 2024 earnings released: US$0.036 loss per share (vs US$0.77 profit in 3Q 2023)Third quarter 2024 results: US$0.036 loss per share (down from US$0.77 profit in 3Q 2023). Revenue: US$13.3m (down 31% from 3Q 2023). Net loss: US$274.0k (down 105% from profit in 3Q 2023). Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 2.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year and the company’s share price has also fallen by 8% per year.お知らせ • Oct 10MainStreet Bancshares, Inc. to Report Q3, 2024 Results on Oct 28, 2024MainStreet Bancshares, Inc. announced that they will report Q3, 2024 results Pre-Market on Oct 28, 2024お知らせ • Aug 24MainStreet Bancshares, Inc. and MainStreet Bank Announce Resignation of Elizabeth S. Bennett as Member of the Board of Directors and from All CommitteesOn August 21, 2024, during a regularly scheduled meeting of the Board of Directors of MainStreet Bancshares, Inc. (the Company") and MainStreet Bank (the Bank"), long-time director Elizabeth S. Bennett announced her retirement and resignation as a member of the Board of Directors of the Company and the Bank, and from all committees. Ms. Bennett's resignation was effective on that date. Ms. Bennett stated that with her business interests behind her and having moved out of the Bank's market area, it was a fitting time to depart from her director role as well.Declared Dividend • Aug 04Second quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 9th August 2024 Payment date: 16th August 2024 Dividend yield will be 2.6%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to decline by 33% over the next year. However, it would need to fall by 89% to increase the payout ratio to a potentially unsustainable range.Board Change • Aug 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 7 highly experienced directors. Independent Director Ralph DeLeon was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Reported Earnings • Jul 30Second quarter 2024 earnings released: EPS: US$0.27 (vs US$0.85 in 2Q 2023)Second quarter 2024 results: EPS: US$0.27 (down from US$0.85 in 2Q 2023). Revenue: US$15.5m (down 20% from 2Q 2023). Net income: US$2.08m (down 68% from 2Q 2023). Profit margin: 13% (down from 33% in 2Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.お知らせ • Jul 03+ 3 more updatesMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Small Cap Comp Value IndexMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Small Cap Comp Value IndexDeclared Dividend • Apr 29First quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 2nd May 2024 Payment date: 10th May 2024 Dividend yield will be 2.7%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to decline by 34% over the next year. However, it would need to fall by 87% to increase the payout ratio to a potentially unsustainable range.Reported Earnings • Apr 23First quarter 2024 earnings released: EPS: US$0.36 (vs US$1.01 in 1Q 2023)First quarter 2024 results: EPS: US$0.36 (down from US$1.01 in 1Q 2023). Revenue: US$16.5m (down 25% from 1Q 2023). Net income: US$2.77m (down 64% from 1Q 2023). Profit margin: 17% (down from 35% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.お知らせ • Apr 09MainStreet Bancshares, Inc., Annual General Meeting, May 15, 2024MainStreet Bancshares, Inc., Annual General Meeting, May 15, 2024, at 11:00 US Eastern Standard Time.New Risk • Feb 02New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 15% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.4% average weekly change).Valuation Update With 7 Day Price Move • Feb 02Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €16.50, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 17% over the past three years.Declared Dividend • Jan 29Fourth quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 1st February 2024 Payment date: 9th February 2024 Dividend yield will be 1.9%, which is lower than the industry average of 4.7%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to decline by 40% over the next 2 years. However, it would need to fall by 88% to increase the payout ratio to a potentially unsustainable range.お知らせ • Jan 24MainStreet Bancshares, Inc. Declares Cash Dividend, Payable on February 9, 2024The Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 9, 2024, to shareholders of record on February 2, 2024.Reported Earnings • Jan 23Full year 2023 earnings released: EPS: US$3.25 (vs US$3.26 in FY 2022)Full year 2023 results: EPS: US$3.25 (down from US$3.26 in FY 2022). Revenue: US$77.9m (up 7.6% from FY 2022). Net income: US$24.4m (flat on FY 2022). Profit margin: 31% (down from 34% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.4% p.a. on average during the next 2 years, compared to a 2.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.お知らせ • Dec 13MainStreet Bancshares, Inc. Appoints Tom Floyd to Executive Vice PresidentMainStreet Bancshares, Inc. promoted Tom Floyd to Executive Vice President. Floyd remains the Bank's Chief Lending Officer. The promotion underscores Floyd's achievements as a farsighted strategist at the $2 billion-asset Bank. Floyd, previously a Senior Vice President, oversees a team of seasoned lenders and a $1.7 billion loan portfolio. He maintains a keen focus on cultivating client success through smart lending strategies and has played a pivotal role in positioning both the Bank and its clients to navigate changing interest rate dynamics. Floyd has worked in banking across the Washington metropolitan area for more than 16 years and has been with MainStreet Bank since 2013. He has consistently been one of MainStreet Bank's top performing lenders, with a special focus on real estate and construction lending. Floyd earned a Bachelor of Science in finance from Virginia Tech. He is also a graduate of the Virginia Bankers Association School of Bank Management.Reported Earnings • Oct 25Third quarter 2023 earnings released: EPS: US$0.77 (vs US$0.96 in 3Q 2022)Third quarter 2023 results: EPS: US$0.77 (down from US$0.96 in 3Q 2022). Revenue: US$19.3m (flat on 3Q 2022). Net income: US$5.80m (down 20% from 3Q 2022). Profit margin: 30% (down from 37% in 3Q 2022). Revenue is forecast to grow 3.0% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.お知らせ • Oct 25MainStreet Bancshares, Inc. Announces Cash Dividend, Payable on November 14, 2023On October 24, 2023, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on November 14, 2023, to shareholders of record on November 7, 2023.お知らせ • Oct 20Mainstreet Bank Inaugurates Its Avenu Software as A Service (Saas) Technology with Its First Client, SafaripayMainStreet Bancshares, Inc. announced the launch of Avenu's fully integrated Software as a Service (SaaS) technology along with its first client on the new solution--SafariPay. The Avenu team announced that SafariPay's global money transmittance service known as PaySii is its first onboarded client. The SafariPay relationship links MainStreet Bank's deposit and payments capabilities with a community of U.S. residents who want a U.S. banking relationship that also provides a convenient, secure, and reliable way to send money to friends and family in Africa, the UK, the European Union, and the Middle East. The Avenu team relied upon its collective experience with traditional Banking as a Service (BaaS) clients as a baseline to design and build its new SaaS technology. The design fully integrated digital tools into Avenu's SaaS technology that are aligned with best practices for safety and soundness and compliance purposes. The team also designed a purpose-built training program to provide a scalable and reliable solution to meet the needs of BaaS clients now and into the future.Reported Earnings • Jul 24Second quarter 2023 earnings released: EPS: US$0.85 (vs US$0.71 in 2Q 2022)Second quarter 2023 results: EPS: US$0.85 (up from US$0.71 in 2Q 2022). Revenue: US$19.4m (up 15% from 2Q 2022). Net income: US$6.41m (up 19% from 2Q 2022). Profit margin: 33% (up from 32% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.0% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in Europe.お知らせ • Jul 23MainStreet Bancshares, Inc. Declares Cash Dividend, Payable on August 11, 2023On July 19, 2023, the board of directors of MainStreet Bancshares, Inc. declared a $0.10 per share cash dividend to common shareholders. The dividend will be paid on August 11, 2023, to shareholders of record on August 4, 2023.Recent Insider Transactions • Apr 28President recently bought €211k worth of stockOn the 26th of April, Jeff Dick bought around 11k shares on-market at roughly €19.37 per share. This transaction amounted to 5.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Jeff has been a buyer over the last 12 months, purchasing a net total of €244k worth in shares.Reported Earnings • Mar 27Full year 2022 earnings released: EPS: US$3.26 (vs US$2.65 in FY 2021)Full year 2022 results: EPS: US$3.26 (up from US$2.65 in FY 2021). Revenue: US$72.4m (up 19% from FY 2021). Net income: US$24.5m (up 23% from FY 2021). Profit margin: 34% (in line with FY 2021). Net interest margin (NIM): 4.19% (up from 3.35% in FY 2021). Cost-to-income ratio: 52.2% (down from 55.1% in FY 2021). Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in Europe.Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to €22.00, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Europe. Negligible returns to shareholders over past year.お知らせ • Feb 16MainStreet Bancshares Names Two Senior Technology ExecutivesMainStreet Bancshares, Inc. announced two key appointments to its technology team. Andrew Stoutenburgh has joined the $1.9 billion-asset community bank as Senior Vice President and Chief Technology Officer, and Matt McCrory has been promoted to Senior Vice President and Chief Information Security Officer. As CTO, Stoutenburgh drives MainStreet Bank's technology vision and implementation, including technology investment, architecture, and engineering. His strong understanding of the technological forces that are transforming financial services has been shaped by more than 25 years of progressive experience in the banking industry. Most recently, he was Vice President and Technical Services Manager for a regional financial services company with operations in seven states and the District of Columbia. Earlier in his career, Stoutenburgh worked in bank branch and credit operations in various Northern Virginia community banks before shifting his focus to information systems. As CISO, McCrory leads efforts to maintain a strong data privacy and security culture and ensure the Bank's resilience against ever-increasing cyber, data and information security risks. A 15-year veteran of MainStreet Bank, he was previously Senior Vice President and Information Security Officer. McCrory's strengths include IT governance and risk management. He has designed, implemented, and managed a best-in-class cybersecurity program, and works across all information security domains. He holds multiple professional certifications, including CRISC and CISSP.Reported Earnings • Jan 24Full year 2022 earnings released: EPS: US$3.26 (vs US$2.65 in FY 2021)Full year 2022 results: EPS: US$3.26 (up from US$2.65 in FY 2021). Revenue: US$72.4m (up 19% from FY 2021). Net income: US$24.5m (up 23% from FY 2021). Profit margin: 34% (in line with FY 2021). Revenue is forecast to grow 9.9% p.a. on average during the next 2 years, compared to a 5.2% growth forecast for the Banks industry in Europe.お知らせ • Jan 20Mainstreet Bancshares, Inc. Declares Cash Dividend, Payable on February 10, 2023On January 18, 2023, the Board of Directors of MainStreet Bancshares, Inc. declared $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 10, 2023, to shareholders of record on February 3, 2023. The Board of Directors will consider future dividends to common shareholders after its review of the Company’s financial condition, results of operations, and other factors. Any subsequent dividend declaration will be subject to the discretion of the Board of Directors.Reported Earnings • Oct 18Third quarter 2022 earnings released: EPS: US$0.96 (vs US$0.56 in 3Q 2021)Third quarter 2022 results: EPS: US$0.96 (up from US$0.56 in 3Q 2021). Revenue: US$19.4m (up 35% from 3Q 2021). Net income: US$7.20m (up 70% from 3Q 2021). Profit margin: 37% (up from 30% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Banks industry in Europe.Reported Earnings • Jul 26Second quarter 2022 earnings released: EPS: US$0.71 (vs US$0.87 in 2Q 2021)Second quarter 2022 results: EPS: US$0.71 (down from US$0.87 in 2Q 2021). Revenue: US$16.9m (up 1.7% from 2Q 2021). Net income: US$5.39m (down 18% from 2Q 2021). Profit margin: 32% (down from 40% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 7.9%, compared to a 20% growth forecast for the industry in Germany.Reported Earnings • May 17First quarter 2022 earnings released: EPS: US$0.64 (vs US$0.65 in 1Q 2021)First quarter 2022 results: EPS: US$0.64 (down from US$0.65 in 1Q 2021). Revenue: US$15.6m (up 6.6% from 1Q 2021). Net income: US$4.88m (flat on 1Q 2021). Profit margin: 31% (down from 34% in 1Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 9.4%, compared to a 13% growth forecast for the industry in Germany.Reported Earnings • Jan 21Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$2.65 (up from US$1.86 in FY 2020). Revenue: US$60.8m (up 22% from FY 2020). Net income: US$20.0m (up 33% from FY 2020). Profit margin: 33% (up from 30% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the next year, revenue is expected to shrink by 9.3% compared to a 11% growth forecast for the banks industry in Germany.Reported Earnings • Oct 22Third quarter 2021 earnings released: EPS US$0.56 (vs US$0.63 in 3Q 2020)The company reported a soft third quarter result with weaker earnings and profit margins, although revenues improved. Third quarter 2021 results: Revenue: US$14.4m (up 2.1% from 3Q 2020). Net income: US$4.24m (down 18% from 3Q 2020). Profit margin: 30% (down from 37% in 3Q 2020). The decrease in margin was driven by higher expenses.Reported Earnings • Jul 22Second quarter 2021 earnings released: EPS US$0.87 (vs US$0.077 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$16.6m (up 157% from 2Q 2020). Net income: US$6.59m (up US$7.22m from 2Q 2020). Profit margin: 40% (up from net loss in 2Q 2020). The move to profitability was driven by higher revenue.Reported Earnings • May 16First quarter 2021 earnings released: EPS US$0.65 (vs US$0.42 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$14.6m (up 28% from 1Q 2020). Net income: US$4.91m (up 42% from 1Q 2020). Profit margin: 34% (up from 31% in 1Q 2020). The increase in margin was driven by higher revenue.Reported Earnings • Apr 24First quarter 2021 earnings released: EPS US$0.65 (vs US$0.42 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$14.6m (up 28% from 1Q 2020). Net income: US$4.91m (up 42% from 1Q 2020). Profit margin: 34% (up from 31% in 1Q 2020). The increase in margin was driven by higher revenue.Reported Earnings • Mar 25Full year 2020 earnings released: EPS US$1.86 (vs US$1.69 in FY 2019)The company reported a solid full year result with improved earnings and revenues, although profit margins were weaker. Full year 2020 results: Revenue: US$49.8m (up 17% from FY 2019). Net income: US$15.1m (up 8.1% from FY 2019). Profit margin: 30% (down from 33% in FY 2019). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.21% (down from 3.50% in FY 2019). Cost-to-income ratio: 56.7% (down from 57.3% in FY 2019).Analyst Estimate Surprise Post Earnings • Jan 23Revenue misses expectationsRevenue missed analyst estimates by 0.2%. Over the next year, revenue is expected to shrink by 3.6% compared to a 23% growth forecast for the Banks industry in Germany.Reported Earnings • Jan 23Full year 2020 earnings released: EPS US$1.86The company reported a solid full year result with improved earnings and revenues, although profit margins were weaker. Full year 2020 results: Revenue: US$49.9m (up 17% from FY 2019). Net income: US$15.1m (up 8.1% from FY 2019). Profit margin: 30% (down from 33% in FY 2019). The decrease in margin was driven by higher expenses.株主還元5L0DE BanksDE 市場7D2.5%-0.4%-0.8%1Y30.3%42.0%-0.9%株主還元を見る業界別リターン: 5L0過去 1 年間で42 % の収益を上げたGerman Banks業界を下回りました。リターン対市場: 5L0過去 1 年間で-0.9 % の収益を上げたGerman市場を上回りました。価格変動Is 5L0's price volatile compared to industry and market?5L0 volatility5L0 Average Weekly Movement12.3%Banks Industry Average Movement3.4%Market Average Movement5.4%10% most volatile stocks in DE Market12.7%10% least volatile stocks in DE Market2.7%安定した株価: 5L0の株価は、 German市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 5L0の weekly volatility ( 12% ) は過去 1 年間安定していますが、依然としてGermanの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト2003171Jeff Dickmstreetbank.comメインストリート・バンクシェアーズは、個人、中小企業、専門サービス機関向けに様々な銀行商品やサービスを提供するメインストリート銀行の銀行持株会社として運営されている。デマンド口座、NOW口座、マネーマーケット口座、セービング口座、スウィープ口座、譲渡性預金証書、ビジネスおよび消費者向け当座預金、利付当座預金、ビジネス口座分析、その他の預金サービス、キャッシュマネジメント、電信送金、小切手画像処理、請求書支払い、遠隔預金キャプチャ、宅配便サービスなどを提供している。また、政府契約債権、工場設備、一般運転資金、契約管理、買収ローンなどの商業ローン、商業用不動産、不動産建設、住宅用不動産ローン、タームローン、当座貸越プロテクション、デビットカード、クレジットカードなどの消費者ローンも提供している。さらに、預金保険ソリューション、小切手の遠隔入金、インターネット請求書支払い、オンライン現金管理、オンライン・モバイルバンキングサービスも提供している。ハーンドン、フェアファックス、マクリーン、リーズバーグ、クラレンドン、ワシントンD C.で営業し、現金自動預け払い機もある。メインストリート・バンクシェアーズ・インクは、以前はメインストリート銀行（フェアファックス、バージニア州）として知られていたが、2016年7月にメインストリート・バンクシェアーズ・インクに社名を変更した。同社は2003年に法人化され、バージニア州フェアファックスに本社を置いている。もっと見るMainStreet Bancshares, Inc. 基礎のまとめMainStreet Bancshares の収益と売上を時価総額と比較するとどうか。5L0 基礎統計学時価総額€144.70m収益（TTM）€13.23m売上高(TTM)€64.83m11.1xPER（株価収益率0.9xPBR（株価純資産倍率5L0 は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計5L0 損益計算書（TTM）収益US$0売上原価US$0売上総利益US$0その他の費用US$0収益US$0直近の収益報告Jun 30, 2026次回決算日該当なし一株当たり利益（EPS）2.20グロス・マージン100.00%純利益率20.41%有利子負債／自己資本比率37.3%5L0 の長期的なパフォーマンスは？過去の実績と比較を見る配当金1.6%現在の配当利回り20%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/20 12:33終値2026/07/20 00:00収益2026/06/30年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋MainStreet Bancshares, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
New Risk • 13hNew major risk - Revenue and earnings growthEarnings have declined by 32% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 32% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Significant insider selling over the past 3 months (€90k sold).
お知らせ • Jul 06MainStreet Bancshares, Inc. to Report Q2, 2026 Results on Jul 20, 2026MainStreet Bancshares, Inc. announced that they will report Q2, 2026 results on Jul 20, 2026
お知らせ • Jun 29+ 6 more updatesMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark IndexMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark Index
New Risk • Jun 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 9.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (9.6% average weekly change). Significant insider selling over the past 3 months (€90k sold).
Valuation Update With 7 Day Price Move • Jun 11Investor sentiment improves as stock rises 27%After last week's 27% share price gain to €22.80, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 20% over the past three years.
Recent Insider Transactions • Jun 07Executive VP & CFO recently sold €90k worth of stockOn the 4th of June, Richard Vari sold around 5k shares on-market at roughly €19.96 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Richard's only on-market trade for the last 12 months.
New Risk • 13hNew major risk - Revenue and earnings growthEarnings have declined by 32% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 32% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Significant insider selling over the past 3 months (€90k sold).
お知らせ • Jul 06MainStreet Bancshares, Inc. to Report Q2, 2026 Results on Jul 20, 2026MainStreet Bancshares, Inc. announced that they will report Q2, 2026 results on Jul 20, 2026
お知らせ • Jun 29+ 6 more updatesMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark IndexMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Microcap Growth Benchmark Index
New Risk • Jun 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 9.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (9.6% average weekly change). Significant insider selling over the past 3 months (€90k sold).
Valuation Update With 7 Day Price Move • Jun 11Investor sentiment improves as stock rises 27%After last week's 27% share price gain to €22.80, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 20% over the past three years.
Recent Insider Transactions • Jun 07Executive VP & CFO recently sold €90k worth of stockOn the 4th of June, Richard Vari sold around 5k shares on-market at roughly €19.96 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Richard's only on-market trade for the last 12 months.
お知らせ • May 22Mainstreet Bancshares, Inc. Appoints Oliver James as Senior Vice President, Director of Commercial & Industrial and Government Contract LendingMainStreet Bancshares, Inc. announced the appointment of Oliver James as Senior Vice President, Director of Commercial & Industrial and Government Contract Lending. A 25-year veteran of the D.C. banking community, Mr. James’ is well-suited to lead the Bank’s specialized team. Mr. James started his career in banking in 2001 at Wachovia where he completed their leadership development and training program. He is Omega Commercial Credit Certified and holds a background in economics from Brooklands College in London. Beyond his professional achievements, he is an active member of the community, formerly serving on the board of directors for the Fairfax Symphony Orchestra.
お知らせ • Apr 25MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces an Equity Buyback for $10 million worth of its shares.MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces a share repurchase program. Under the program, the company will repurchase up to $10 million worth of its shares.
お知らせ • Apr 21MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2026MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2026.
お知らせ • Mar 29Mainstreet Bancshares, Inc. Appoints Morgan Higgins as DirectorMainstreet Bancshares, Inc. announced the appointment of Morgan Higgins, seasoned financial executive, as a Director of the Bank. Higgins brings over 20 years of experience in banking and government contracting, with a specific focus on strategic growth in the defense and government services markets. Higgins is a Partner at Blue Delta Capital Partners, a venture capital firm, where she leads equity investments in emerging government contracting businesses that are scaling in the U.S Federal Government market. Prior to Blue Delta, Higgins was an Executive Director at JP Morgan Chase where she helped grow and scale the Washington, D.C. Middle Market Aerospace and Government Service banking team with a focus on helping government contractors with all their banking needs including growth through mergers and acquisitions. Higgins also serves as a director of Core One Solutions, CSA, as well as the National Capital Chapter of Association for Corporate Growth, which focuses on building corporate expansion and value.
お知らせ • Jan 28Mainstreet Bancshares, Inc. Announces Cash Dividend, Payable on February 16, 2026On January 27, 2026, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 16, 2026, to shareholders of record on February 9, 2026.
お知らせ • Dec 20Mainstreet Bancshares, Inc. and MainStreet Bank Announces Resignation of Ali Reza Manouchehri as Director, Effective January 1, 2026MainStreet Bancshares, Inc. announced that Ali Reza Manouchehri, a director of MainStreet Bancshares, Inc. and MainStreet Bank, notified the Company and the Bank that he is resigning from the Boards of Directors of the Company and the Bank effective January 1, 2026. Mr. Manouchehri is the Chief Executive Officer of Metrostar Systems LLC, a high-growth government contracting company that was recently sold to Veritas Capital, and their strategic plan requires his full time and attention going forward. Following Mr. Manouchehri's resignation, the size of the Board of Directors of the Company will be reduced from eleven to ten.
お知らせ • Nov 27MainStreet Bancshares, Inc. Announces CFO Changes, Effective December 31, 2025MainStreet Bancshares, Inc. announced that Thomas J. Chmelik will retire as the Chief Financial Officer on December 31, 2025. He will continue to serve as the Senior Executive Vice President and Secretary of the Bank and Company through December 31, 2027. Mr. Chmelik is a co-founder of MainStreet Bank, which opened in May 2004. Chmelik is a career banker having served as the CFO of four successful community banks in the Washington, DC market as well as working on a World Bank initiative to restructure the National Bank of Commerce – the largest commercial bank in Tanzania, Africa. Alex Vari, CPA, CFO and Executive Vice President of MainStreet Bank, will assume the role as Company CFO upon Chmelik's planned retirement.
お知らせ • Oct 29MainStreet Bancshares, Inc. Announces Cash Dividend, Payable on November 18, 2025On October 28, 2025, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on November 18, 2025, to shareholders of record on November 11, 2025. The Board of Directors will consider future dividends to common shareholders after its review of the Company’s financial condition, results of operations, and other factors.
お知らせ • Oct 21MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces an Equity Buyback for $10 million worth of its shares.MainStreet Bancshares, Inc. (NasdaqCM:MNSB) announces a share repurchase program. Under the program, the company will repurchase up to $10 million worth of its shares.
お知らせ • Sep 25MainStreet Bancshares, Inc. and Mainstreet Bank Appoint Wendy Adeler Hall as Director, Effective October 16, 2025On September 18, 2025, the Boards of Directors Mainstreet Bancshares, Inc. (the "Company") and MainStreet Bank (the "Bank") appointed Wendy Adeler Hall as a director of the Company and the Bank, respectively, to fill the position vacated by Elizabeth Bennett in 2024. Ms. Adeler Hall's appointment will be effective as of October 16, 2025 and she will be up for election in 2026. Wendy Adeler Hall, age 55, is an accomplished leader in the jewelry industry with over three decades of experience in business development, marketing, and philanthropy. After founding her own successful gourmet food store, Memory Lane, she joined Adeler Jewelers in 1997 as Vice President of Marketing and Philanthropy. Under her leadership, the company grew into a premier custom design jeweler and became known for its community service. In 2011, she transitioned into business development, where she leveraged the brand's visibility by placing jewelry on over 300 celebrities and attracting national retailers. A George Mason University graduate, Wendy believes that community engagement is crucial for business success, a philosophy reflected in her extensive philanthropic work, which includes serving on the Advisory Board of CharityWorks and co-chairing the Brain & Behavior Research Foundation galas. In connection with Ms. Adeler Hall's appointment, the Board of the Company has appointed her to serve on the Nominating and Compensation Committee. The Board determined the Ms. Adeler Hall is an independent director under Nasdaq listing standards and the Company's corporate governance guidelines.
お知らせ • Jul 25MainStreet Bancshares, Inc. announces Quarterly dividend, payable on August 13, 2025MainStreet Bancshares, Inc. announced Quarterly dividend of USD 0.1000 per share payable on August 13, 2025, ex-date on August 06, 2025 and record date on August 06, 2025.
お知らせ • Apr 24MainStreet Bancshares, Inc. announces Quarterly dividend, payable on May 20, 2025MainStreet Bancshares, Inc. announced Quarterly dividend of USD 0.1000 per share payable on May 20, 2025, ex-date on May 09, 2025 and record date on May 09, 2025.
お知らせ • Apr 19MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2025MainStreet Bancshares, Inc., Annual General Meeting, May 21, 2025. Location: proxydocs.com/mnsb, United States
お知らせ • Jan 30Mainstreet Bancshares, Inc. Declares Cash Dividend to Common Shareholders, Payable on February 17, 2025On January 28, 2025, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 17, 2025, to shareholders of record on February 10, 2025.
お知らせ • Jan 27MainStreet Bancshares, Inc. Reports Unaudited Impairment Charges for the Fourth Quarter Ended December 31, 2024MainStreet Bancshares, Inc. reported unaudited impairment charges for the fourth quarter ended December 31, 2024. for the quarter, the company reported Computer software intangible impairment of $19,721,000.
Declared Dividend • Nov 04Third quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 12th November 2024 Payment date: 19th November 2024 Dividend yield will be 2.5%, which is lower than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (8% payout ratio) and is expected to be well covered in 3 years' time (36% forecast payout ratio). The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 5.7% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Oct 29Third quarter 2024 earnings released: US$0.036 loss per share (vs US$0.77 profit in 3Q 2023)Third quarter 2024 results: US$0.036 loss per share (down from US$0.77 profit in 3Q 2023). Revenue: US$13.3m (down 31% from 3Q 2023). Net loss: US$274.0k (down 105% from profit in 3Q 2023). Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 2.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year and the company’s share price has also fallen by 8% per year.
お知らせ • Oct 10MainStreet Bancshares, Inc. to Report Q3, 2024 Results on Oct 28, 2024MainStreet Bancshares, Inc. announced that they will report Q3, 2024 results Pre-Market on Oct 28, 2024
お知らせ • Aug 24MainStreet Bancshares, Inc. and MainStreet Bank Announce Resignation of Elizabeth S. Bennett as Member of the Board of Directors and from All CommitteesOn August 21, 2024, during a regularly scheduled meeting of the Board of Directors of MainStreet Bancshares, Inc. (the Company") and MainStreet Bank (the Bank"), long-time director Elizabeth S. Bennett announced her retirement and resignation as a member of the Board of Directors of the Company and the Bank, and from all committees. Ms. Bennett's resignation was effective on that date. Ms. Bennett stated that with her business interests behind her and having moved out of the Bank's market area, it was a fitting time to depart from her director role as well.
Declared Dividend • Aug 04Second quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 9th August 2024 Payment date: 16th August 2024 Dividend yield will be 2.6%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to decline by 33% over the next year. However, it would need to fall by 89% to increase the payout ratio to a potentially unsustainable range.
Board Change • Aug 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 7 highly experienced directors. Independent Director Ralph DeLeon was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Reported Earnings • Jul 30Second quarter 2024 earnings released: EPS: US$0.27 (vs US$0.85 in 2Q 2023)Second quarter 2024 results: EPS: US$0.27 (down from US$0.85 in 2Q 2023). Revenue: US$15.5m (down 20% from 2Q 2023). Net income: US$2.08m (down 68% from 2Q 2023). Profit margin: 13% (down from 33% in 2Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
お知らせ • Jul 03+ 3 more updatesMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Small Cap Comp Value IndexMainStreet Bancshares, Inc.(NasdaqCM:MNSB) dropped from Russell Small Cap Comp Value Index
Declared Dividend • Apr 29First quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 2nd May 2024 Payment date: 10th May 2024 Dividend yield will be 2.7%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to decline by 34% over the next year. However, it would need to fall by 87% to increase the payout ratio to a potentially unsustainable range.
Reported Earnings • Apr 23First quarter 2024 earnings released: EPS: US$0.36 (vs US$1.01 in 1Q 2023)First quarter 2024 results: EPS: US$0.36 (down from US$1.01 in 1Q 2023). Revenue: US$16.5m (down 25% from 1Q 2023). Net income: US$2.77m (down 64% from 1Q 2023). Profit margin: 17% (down from 35% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
お知らせ • Apr 09MainStreet Bancshares, Inc., Annual General Meeting, May 15, 2024MainStreet Bancshares, Inc., Annual General Meeting, May 15, 2024, at 11:00 US Eastern Standard Time.
New Risk • Feb 02New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 15% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.4% average weekly change).
Valuation Update With 7 Day Price Move • Feb 02Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €16.50, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 17% over the past three years.
Declared Dividend • Jan 29Fourth quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 1st February 2024 Payment date: 9th February 2024 Dividend yield will be 1.9%, which is lower than the industry average of 4.7%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to decline by 40% over the next 2 years. However, it would need to fall by 88% to increase the payout ratio to a potentially unsustainable range.
お知らせ • Jan 24MainStreet Bancshares, Inc. Declares Cash Dividend, Payable on February 9, 2024The Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 9, 2024, to shareholders of record on February 2, 2024.
Reported Earnings • Jan 23Full year 2023 earnings released: EPS: US$3.25 (vs US$3.26 in FY 2022)Full year 2023 results: EPS: US$3.25 (down from US$3.26 in FY 2022). Revenue: US$77.9m (up 7.6% from FY 2022). Net income: US$24.4m (flat on FY 2022). Profit margin: 31% (down from 34% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.4% p.a. on average during the next 2 years, compared to a 2.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.
お知らせ • Dec 13MainStreet Bancshares, Inc. Appoints Tom Floyd to Executive Vice PresidentMainStreet Bancshares, Inc. promoted Tom Floyd to Executive Vice President. Floyd remains the Bank's Chief Lending Officer. The promotion underscores Floyd's achievements as a farsighted strategist at the $2 billion-asset Bank. Floyd, previously a Senior Vice President, oversees a team of seasoned lenders and a $1.7 billion loan portfolio. He maintains a keen focus on cultivating client success through smart lending strategies and has played a pivotal role in positioning both the Bank and its clients to navigate changing interest rate dynamics. Floyd has worked in banking across the Washington metropolitan area for more than 16 years and has been with MainStreet Bank since 2013. He has consistently been one of MainStreet Bank's top performing lenders, with a special focus on real estate and construction lending. Floyd earned a Bachelor of Science in finance from Virginia Tech. He is also a graduate of the Virginia Bankers Association School of Bank Management.
Reported Earnings • Oct 25Third quarter 2023 earnings released: EPS: US$0.77 (vs US$0.96 in 3Q 2022)Third quarter 2023 results: EPS: US$0.77 (down from US$0.96 in 3Q 2022). Revenue: US$19.3m (flat on 3Q 2022). Net income: US$5.80m (down 20% from 3Q 2022). Profit margin: 30% (down from 37% in 3Q 2022). Revenue is forecast to grow 3.0% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.
お知らせ • Oct 25MainStreet Bancshares, Inc. Announces Cash Dividend, Payable on November 14, 2023On October 24, 2023, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on November 14, 2023, to shareholders of record on November 7, 2023.
お知らせ • Oct 20Mainstreet Bank Inaugurates Its Avenu Software as A Service (Saas) Technology with Its First Client, SafaripayMainStreet Bancshares, Inc. announced the launch of Avenu's fully integrated Software as a Service (SaaS) technology along with its first client on the new solution--SafariPay. The Avenu team announced that SafariPay's global money transmittance service known as PaySii is its first onboarded client. The SafariPay relationship links MainStreet Bank's deposit and payments capabilities with a community of U.S. residents who want a U.S. banking relationship that also provides a convenient, secure, and reliable way to send money to friends and family in Africa, the UK, the European Union, and the Middle East. The Avenu team relied upon its collective experience with traditional Banking as a Service (BaaS) clients as a baseline to design and build its new SaaS technology. The design fully integrated digital tools into Avenu's SaaS technology that are aligned with best practices for safety and soundness and compliance purposes. The team also designed a purpose-built training program to provide a scalable and reliable solution to meet the needs of BaaS clients now and into the future.
Reported Earnings • Jul 24Second quarter 2023 earnings released: EPS: US$0.85 (vs US$0.71 in 2Q 2022)Second quarter 2023 results: EPS: US$0.85 (up from US$0.71 in 2Q 2022). Revenue: US$19.4m (up 15% from 2Q 2022). Net income: US$6.41m (up 19% from 2Q 2022). Profit margin: 33% (up from 32% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.0% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in Europe.
お知らせ • Jul 23MainStreet Bancshares, Inc. Declares Cash Dividend, Payable on August 11, 2023On July 19, 2023, the board of directors of MainStreet Bancshares, Inc. declared a $0.10 per share cash dividend to common shareholders. The dividend will be paid on August 11, 2023, to shareholders of record on August 4, 2023.
Recent Insider Transactions • Apr 28President recently bought €211k worth of stockOn the 26th of April, Jeff Dick bought around 11k shares on-market at roughly €19.37 per share. This transaction amounted to 5.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Jeff has been a buyer over the last 12 months, purchasing a net total of €244k worth in shares.
Reported Earnings • Mar 27Full year 2022 earnings released: EPS: US$3.26 (vs US$2.65 in FY 2021)Full year 2022 results: EPS: US$3.26 (up from US$2.65 in FY 2021). Revenue: US$72.4m (up 19% from FY 2021). Net income: US$24.5m (up 23% from FY 2021). Profit margin: 34% (in line with FY 2021). Net interest margin (NIM): 4.19% (up from 3.35% in FY 2021). Cost-to-income ratio: 52.2% (down from 55.1% in FY 2021). Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in Europe.
Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to €22.00, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Europe. Negligible returns to shareholders over past year.
お知らせ • Feb 16MainStreet Bancshares Names Two Senior Technology ExecutivesMainStreet Bancshares, Inc. announced two key appointments to its technology team. Andrew Stoutenburgh has joined the $1.9 billion-asset community bank as Senior Vice President and Chief Technology Officer, and Matt McCrory has been promoted to Senior Vice President and Chief Information Security Officer. As CTO, Stoutenburgh drives MainStreet Bank's technology vision and implementation, including technology investment, architecture, and engineering. His strong understanding of the technological forces that are transforming financial services has been shaped by more than 25 years of progressive experience in the banking industry. Most recently, he was Vice President and Technical Services Manager for a regional financial services company with operations in seven states and the District of Columbia. Earlier in his career, Stoutenburgh worked in bank branch and credit operations in various Northern Virginia community banks before shifting his focus to information systems. As CISO, McCrory leads efforts to maintain a strong data privacy and security culture and ensure the Bank's resilience against ever-increasing cyber, data and information security risks. A 15-year veteran of MainStreet Bank, he was previously Senior Vice President and Information Security Officer. McCrory's strengths include IT governance and risk management. He has designed, implemented, and managed a best-in-class cybersecurity program, and works across all information security domains. He holds multiple professional certifications, including CRISC and CISSP.
Reported Earnings • Jan 24Full year 2022 earnings released: EPS: US$3.26 (vs US$2.65 in FY 2021)Full year 2022 results: EPS: US$3.26 (up from US$2.65 in FY 2021). Revenue: US$72.4m (up 19% from FY 2021). Net income: US$24.5m (up 23% from FY 2021). Profit margin: 34% (in line with FY 2021). Revenue is forecast to grow 9.9% p.a. on average during the next 2 years, compared to a 5.2% growth forecast for the Banks industry in Europe.
お知らせ • Jan 20Mainstreet Bancshares, Inc. Declares Cash Dividend, Payable on February 10, 2023On January 18, 2023, the Board of Directors of MainStreet Bancshares, Inc. declared $0.10 per share cash dividend to common shareholders. The dividend will be paid on February 10, 2023, to shareholders of record on February 3, 2023. The Board of Directors will consider future dividends to common shareholders after its review of the Company’s financial condition, results of operations, and other factors. Any subsequent dividend declaration will be subject to the discretion of the Board of Directors.
Reported Earnings • Oct 18Third quarter 2022 earnings released: EPS: US$0.96 (vs US$0.56 in 3Q 2021)Third quarter 2022 results: EPS: US$0.96 (up from US$0.56 in 3Q 2021). Revenue: US$19.4m (up 35% from 3Q 2021). Net income: US$7.20m (up 70% from 3Q 2021). Profit margin: 37% (up from 30% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Banks industry in Europe.
Reported Earnings • Jul 26Second quarter 2022 earnings released: EPS: US$0.71 (vs US$0.87 in 2Q 2021)Second quarter 2022 results: EPS: US$0.71 (down from US$0.87 in 2Q 2021). Revenue: US$16.9m (up 1.7% from 2Q 2021). Net income: US$5.39m (down 18% from 2Q 2021). Profit margin: 32% (down from 40% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 7.9%, compared to a 20% growth forecast for the industry in Germany.
Reported Earnings • May 17First quarter 2022 earnings released: EPS: US$0.64 (vs US$0.65 in 1Q 2021)First quarter 2022 results: EPS: US$0.64 (down from US$0.65 in 1Q 2021). Revenue: US$15.6m (up 6.6% from 1Q 2021). Net income: US$4.88m (flat on 1Q 2021). Profit margin: 31% (down from 34% in 1Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 9.4%, compared to a 13% growth forecast for the industry in Germany.
Reported Earnings • Jan 21Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$2.65 (up from US$1.86 in FY 2020). Revenue: US$60.8m (up 22% from FY 2020). Net income: US$20.0m (up 33% from FY 2020). Profit margin: 33% (up from 30% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the next year, revenue is expected to shrink by 9.3% compared to a 11% growth forecast for the banks industry in Germany.
Reported Earnings • Oct 22Third quarter 2021 earnings released: EPS US$0.56 (vs US$0.63 in 3Q 2020)The company reported a soft third quarter result with weaker earnings and profit margins, although revenues improved. Third quarter 2021 results: Revenue: US$14.4m (up 2.1% from 3Q 2020). Net income: US$4.24m (down 18% from 3Q 2020). Profit margin: 30% (down from 37% in 3Q 2020). The decrease in margin was driven by higher expenses.
Reported Earnings • Jul 22Second quarter 2021 earnings released: EPS US$0.87 (vs US$0.077 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$16.6m (up 157% from 2Q 2020). Net income: US$6.59m (up US$7.22m from 2Q 2020). Profit margin: 40% (up from net loss in 2Q 2020). The move to profitability was driven by higher revenue.
Reported Earnings • May 16First quarter 2021 earnings released: EPS US$0.65 (vs US$0.42 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$14.6m (up 28% from 1Q 2020). Net income: US$4.91m (up 42% from 1Q 2020). Profit margin: 34% (up from 31% in 1Q 2020). The increase in margin was driven by higher revenue.
Reported Earnings • Apr 24First quarter 2021 earnings released: EPS US$0.65 (vs US$0.42 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$14.6m (up 28% from 1Q 2020). Net income: US$4.91m (up 42% from 1Q 2020). Profit margin: 34% (up from 31% in 1Q 2020). The increase in margin was driven by higher revenue.
Reported Earnings • Mar 25Full year 2020 earnings released: EPS US$1.86 (vs US$1.69 in FY 2019)The company reported a solid full year result with improved earnings and revenues, although profit margins were weaker. Full year 2020 results: Revenue: US$49.8m (up 17% from FY 2019). Net income: US$15.1m (up 8.1% from FY 2019). Profit margin: 30% (down from 33% in FY 2019). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.21% (down from 3.50% in FY 2019). Cost-to-income ratio: 56.7% (down from 57.3% in FY 2019).
Analyst Estimate Surprise Post Earnings • Jan 23Revenue misses expectationsRevenue missed analyst estimates by 0.2%. Over the next year, revenue is expected to shrink by 3.6% compared to a 23% growth forecast for the Banks industry in Germany.
Reported Earnings • Jan 23Full year 2020 earnings released: EPS US$1.86The company reported a solid full year result with improved earnings and revenues, although profit margins were weaker. Full year 2020 results: Revenue: US$49.9m (up 17% from FY 2019). Net income: US$15.1m (up 8.1% from FY 2019). Profit margin: 30% (down from 33% in FY 2019). The decrease in margin was driven by higher expenses.
