MSWV Stock Overview

Operates as the holding company for Main Street Bank Corp. More details

MSWV fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 60.1% below our estimate of its fair value

Risk Analysis

Earnings have declined by 1.1% per year over past 5 years

Profit margins (13.4%) are lower than last year (32.9%)

My Notes

Capture your thoughts, links and company narrative

Main Street Financial Services Corp. Competitors

Summit Bank Group

OTCPK:SBKO

US$115.2m

American Riviera Bancorp

OTCPK:ARBV

US$114.8m

Provident Financial Holdings

NasdaqGS:PROV

US$111.2m

Ohio Valley Banc

NasdaqGM:OVBC

US$116.8m

Price History & Performance

Summary of share price highs, lows and changes for Main Street Financial Services
Historical stock prices
Current Share Price	US$14.40
52 Week High	US$15.75
52 Week Low	US$12.00
Beta	0
1 Month Change	1.41%
3 Month Change	4.58%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	7.06%

Recent updates

Shareholder Returns

	MSWV	US Banks	US Market
7D	-0.7%	-3.4%	-2.4%
1Y	n/a	29.1%	23.4%

Return vs Industry: Insufficient data to determine how MSWV performed against the US Banks industry.

Return vs Market: Insufficient data to determine how MSWV performed against the US Market.

Price Volatility

Is MSWV's price volatile compared to industry and market?
MSWV volatility
MSWV Average Weekly Movement	2.9%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: MSWV has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: MSWV's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1899	n/a	Jay VanSickle	www.mymainstreetbank.bank

Main Street Financial Services Corp. operates as the holding company for Main Street Bank Corp. that provides personal and business banking products and services to individuals, businesses, and other organizations in Ohio and West Virginia. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit.

Main Street Financial Services Corp. Fundamentals Summary

How do Main Street Financial Services's earnings and revenue compare to its market cap?
MSWV fundamental statistics
Market cap	US$112.33m
Earnings (TTM)	US$3.55m
Revenue (TTM)	US$26.58m

31.6x

P/E Ratio

1.0x

P/B Ratio

Is MSWV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MSWV income statement (TTM)
Revenue	US$26.58m
Cost of Revenue	US$0
Gross Profit	US$26.58m
Other Expenses	US$23.03m
Earnings	US$3.55m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.46
Gross Margin	100.00%
Net Profit Margin	13.37%
Debt/Equity Ratio	148.9%

How did MSWV perform over the long term?

See historical performance and comparison

Dividends

3.9%

Current Dividend Yield

80%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 11:48
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Main Street Financial Services Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Main Street Financial Services OTCPK:MSWV Stock Report