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Mainstreet Bank

Financial Services US MNSB

17.7USD
-0.33(1.83%)

Last update at 2024-12-30T14:43:00Z

Day Range

17.7017.95
LowHigh

52 Week Range

14.8825.67
LowHigh

Fundamentals

  • Previous Close 18.03
  • Market Cap127.94M
  • Volume1995
  • P/E Ratio6.70
  • Dividend Yield2.29%
  • EBITDA-
  • Revenue TTM72.59M
  • Revenue Per Share TTM9.62
  • Gross Profit TTM 72.44M
  • Diluted EPS TTM2.51

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 33.39M 27.96M 19.56M 17.30M 11.30M
Minority interest - - - - -
Net income 26.67M 22.17M 15.72M 13.95M 9.21M
Selling general administrative 24.67M 19.99M 18.61M 16.51M 13.96M
Selling and marketing expenses 2.30M 1.56M 1.00M 0.91M 0.61M
Gross profit 72.50M 57.61M 51.58M 42.69M 34.41M
Reconciled depreciation 2.58M 2.37M 2.14M 1.59M 1.67M
Ebit 47.22M 27.96M 19.56M 17.30M 23.97M
Ebitda 49.80M 30.32M 21.70M 18.90M 25.64M
Depreciation and amortization 2.58M 2.37M 2.14M 1.59M 1.67M
Non operating income net other - - - - -
Operating income 47.22M 27.96M 19.56M 17.30M 23.97M
Other operating expenses 2.34M -31.69000M -33.91000M -26.99400M 10.44M
Interest expense 13.84M 10.66M 16.09M 19.38M 12.67M
Tax provision 6.71M 5.79M 3.84M 3.35M 2.09M
Interest income 83.84M 64.20M 62.07M 58.81M 43.84M
Net interest income 70.01M 53.54M 45.98M 39.44M 31.17M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 6.71M 5.79M 3.84M 3.35M 2.09M
Total revenue 74.84M 59.65M 53.47M 44.30M 34.41M
Total operating expenses 2.34M -31.69000M -33.91000M -26.99400M -10.43900M
Cost of revenue 2.34M 2.04M 1.89M 1.60M 0.00000M
Total other income expense net -13.83600M -32.63900M -39.62200M -38.99900M -12.66600M
Discontinued operations - - - - -
Net income from continuing ops 26.67M 22.17M 15.72M 13.95M 9.21M
Net income applicable to common shares 24.52M 20.02M 15.08M 13.95M 9.21M
Preferred stock and other adjustments -2.15600M - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 2035.43M 1925.75M 1647.40M 1643.16M 1277.99M
Intangible assets 14.66M 9.15M 2.49M - -
Earning assets - - - - 152.74M
Other current assets 126.90M 1679.26M 1340.34M 1104.95M -86.74300M
Total liab 1813.91M 1727.47M 29.29M 14.83M 54.80M
Total stockholder equity 221.52M 198.28M 188.79M 167.66M 137.03M
Deferred long term liab - - - - -
Other current liab 1407.62M 1512.89M 1411.96M 29.67M 1125.52M
Common stock 29.20M 28.74M 29.47M 29.13M 32.40M
Capital stock 56.46M 56.00M 56.73M 56.39M 32.40M
Retained earnings 106.55M 86.83M 64.19M 44.18M 29.10M
Other liab - - 17.36M 3.66M 3.16M
Good will - - - - -
Other assets - 110.64M 1340.34M 1225.99M 995.54M
Cash 53.58M 48.93M 61.83M 75.94M 53.38M
Cash and equivalents - - - - -
Total current liabilities 1408.27M 1612.89M 29.29M 29.67M 1125.52M
Current deferred revenue - - - - -
Net debt 40.96M 123.31M -32.53300M -61.10100M 1.43M
Short term debt 0.65M 100.00M 29.29M 29.67M 40.00M
Short long term debt - - - - 40.00M
Short long term debt total 94.54M 172.25M 29.29M 14.83M 54.80M
Other stockholder equity 65.98M 64.00M 67.67M 66.12M 75.12M
Property plant equipment - 14.71M 14.86M 20.48M 14.15M
Total current assets 126.90M 1800.40M 169.44M 232.95M 151.59M
Long term investments 77.20M 80.27M 120.26M 169.93M 116.70M
Net tangible assets - 161.87M 159.03M 140.40M 137.03M
Short term investments 59.93M 62.63M 99.91M 147.41M 92.79M
Net receivables 12.39M 9.58M 7.70M 9.60M 5.42M
Long term debt 72.64M 172.25M 29.29M 14.83M 54.80M
Inventory -126.90300M - 0.78M 1.18M 1.21M
Accounts payable - 1512.89M 1411.96M 1438.25M 1071.62M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -7.47800M -8.54600M 0.20M 0.98M 0.42M
Additional paid in capital - - - - -
Common stock total equity - 28.74M 29.47M 29.13M 32.40M
Preferred stock total equity - 27.26M 27.26M 27.26M -
Retained earnings total equity - 86.83M 64.19M 44.18M -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 48.45M -89.42200M -137.61800M -184.22300M -130.85800M
Deferred long term asset charges - - - - -
Non current assets total 1908.53M 14.71M 137.62M 184.22M 130.86M
Capital lease obligations - - - - -
Long term debt total - 72.25M 29.29M 14.83M 14.80M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 28.01M -35.56100M -313.78600M -161.41000M -273.41500M
Change to liabilities 24.98M -5.06300M 8.52M 0.00000M 0.00000M
Total cashflows from investing activities -228.73600M -60.51500M -313.78600M -161.41000M -273.41500M
Net borrowings 42.62M 14.24M -40.00000M -40.00000M -13.78000M
Total cash from financing activities 232.59M -14.20200M 339.45M 151.49M 281.41M
Change to operating activities - 3.16M 0.36M -0.49500M 0.33M
Net income 26.67M 22.17M 15.72M 13.95M 9.21M
Change in cash 37.40M -14.32900M 42.68M 6.77M 20.58M
Begin period cash flow 93.20M 107.53M 64.84M 58.08M 37.49M
End period cash flow 130.60M 93.20M 107.53M 64.84M 58.08M
Total cash from operating activities 33.54M 60.39M 17.02M 16.69M 12.59M
Issuance of capital stock - 0.00000M 27.26M 0.00000M 42.71M
Depreciation 2.58M 2.37M 2.14M 1.59M 1.67M
Other cashflows from investing activities -255.62500M -23.14800M 1.54M -10.26300M -1.65300M
Dividends paid -4.03800M -2.15600M -0.63500M 0.64M 0.64M
Change to inventory - - - - -
Change to account receivables - - -4.18400M - -
Sale purchase of stock -6.91800M 0.00000M -13.79700M - 42.71M
Other cashflows from financing activities 243.55M -12.04600M 393.89M -161.41000M 252.47M
Change to netincome 3.18M -0.69300M 2.99M 1.66M 2.68M
Capital expenditures 7.78M 4.30M 1.28M 0.99M 1.38M
Change receivables -1.86100M 1.90M -4.18400M - -
Cash flows other operating -21.84100M 40.18M -7.74800M - -
Exchange rate changes - - - - -
Cash and cash equivalents changes 37.40M -14.32900M 42.68M - -
Change in working capital 0.71M 5.06M -3.82700M -0.50900M -0.97100M
Stock based compensation 2.52M 1.89M 1.53M 1.04M 0.88M
Other non cash items 1.96M 28.56M 3.21M 1.08M 2.84M
Free cash flow 25.76M 56.09M 15.73M 15.70M 11.22M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
MNSB
Mainstreet Bank		 -0.33 1.83% 17.70 6.70 8.01 1.64 0.66 - -
HDB
HDFC Bank Limited ADR		 -0.77 1.19% 63.83 20.81 20.96 0.11 4.77 - -
CIHKY
China Merchants Bank Co Ltd		 -0.07 0.28% 25.36 6.61 5.68 0.48 0.77 3.43 -
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 4.69 6.10 5.67 0.44 0.77 3.43 -
IBN
ICICI Bank Limited		 -0.34 1.12% 30.12 17.79 16.95 0.07 3.08 - -

Reports Covered

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Profile

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. It also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. It operates in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as automated teller machines. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.

Mainstreet Bank

10089 Fairfax Boulevard, Fairfax, VA, United States, 22030

Key Executives

Name Title Year Born
Mr. Jeff W. Dick Pres, Chairman & CEO 1961
Mr. Thomas J. Chmelik Sr. EVP, CFO, Corp. Sec. & Director 1963
Mr. Abdulhamid Hersiburane Pres & Director of MainStreet Bank 1962
Mr. Jacob Hutchinson Exec. VP & COO NA
Mr. Richard Alexander Vari VP & Chief Accounting Officer 1988
Mr. Mike Rudolph Exec. VP & Sr. Lender NA
Mr. Jeff W. Dick CEO & Chairman of the Board 1961
Mr. Thomas J. Chmelik Senior EVP, CFO, Corporate Secretary & Director 1963
Mr. Abdulhamid Hersiburane President & Director of MainStreet Bank 1962
Mr. Todd Youngren President NA

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