Fundies.
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MainStreet Bancshares, Inc.

EDGAR
MNSB Current report (8-K) · filed 2026-10-27

Annual consolidated revenue for 2025: about USD 135.6M, using the latest reported figures. The previous period, 2024, was about USD 137.9M.

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Watchlist

Latest quarter

Revenue

552 thousand USD

2026 Q2 · USD

Exact inputs and evidence

Net margin

845.65%

2026 Q2 · %

Exact inputs and evidence

Operating cash flow

4.95 million USD

2026 Q2 · USD

Exact inputs and evidence
  • Operating Cash Flow: 11548000 USD Source
  • Operating Cash Flow: 6603000 USD Source

Free cash flow

4.85 million USD

2026 Q2 · USD

Exact inputs and evidence
  • Operating Cash Flow: 11548000 USD Source
  • Operating Cash Flow: 6603000 USD Source
  • Capital Expenditure: 197000 USD Source
  • Capital Expenditure: 101000 USD Source
Cash and cash equivalents
64.8 million USD Source
Exact value

64811000 USD

Long-term debt including current maturities
Not available
Shares outstanding
7.12 million shares Source
Exact value

7117438 shares

Reported share-count change

-7.60% · -586 thousand shares

Year-over-year change in reported shares. Splits, issuance and buybacks can affect this figure; it does not isolate employee compensation or economic dilution.

Exact inputs and evidence
  • 7703037 shares · 2025-06-30· Source
  • 7117438 shares · 2026-06-30· Source

Trailing twelve months

The four most recent complete quarters added together. This gives a full-year view that includes the latest quarterly results.

Revenue

67.5 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Revenue: 33586000 USD · 2025-07-01 – 2025-09-30 Source
  • Revenue: 135615000 USD · 2025-01-01 – 2025-12-31 Source
  • Revenue: 102839000 USD · 2025-01-01 – 2025-09-30 Source
  • Revenue: 573000 USD · 2026-01-01 – 2026-03-31 Source
  • Revenue: 552000 USD · 2026-04-01 – 2026-06-30 Source

Net income

17.3 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Net income: 4517000 USD · 2025-07-01 – 2025-09-30 Source
  • Net income: 15613000 USD · 2025-01-01 – 2025-12-31 Source
  • Net income: 11560000 USD · 2025-01-01 – 2025-09-30 Source
  • Net income: 4100000 USD · 2026-01-01 – 2026-03-31 Source
  • Net income: 4668000 USD · 2026-04-01 – 2026-06-30 Source

Operating cash flow

23.7 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Operating cash flow: 8234000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 2645000 USD · 2025-01-01 – 2025-06-30 Source
  • Operating cash flow: 14811000 USD · 2025-01-01 – 2025-12-31 Source
  • Operating cash flow: 8234000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 6603000 USD · 2026-01-01 – 2026-03-31 Source
  • Operating cash flow: 11548000 USD · 2026-01-01 – 2026-06-30 Source
  • Operating cash flow: 6603000 USD · 2026-01-01 – 2026-03-31 Source

Capital expenditure

494 thousand USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Capital expenditure: 4015000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 3877000 USD · 2025-01-01 – 2025-06-30 Source
  • Capital expenditure: 4174000 USD · 2025-01-01 – 2025-12-31 Source
  • Capital expenditure: 4015000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 101000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 197000 USD · 2026-01-01 – 2026-06-30 Source
  • Capital expenditure: 101000 USD · 2026-01-01 – 2026-03-31 Source

Free cash flow

23.2 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Operating cash flow: 8234000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 2645000 USD · 2025-01-01 – 2025-06-30 Source
  • Operating cash flow: 14811000 USD · 2025-01-01 – 2025-12-31 Source
  • Operating cash flow: 8234000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 6603000 USD · 2026-01-01 – 2026-03-31 Source
  • Operating cash flow: 11548000 USD · 2026-01-01 – 2026-06-30 Source
  • Operating cash flow: 6603000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 4015000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 3877000 USD · 2025-01-01 – 2025-06-30 Source
  • Capital expenditure: 4174000 USD · 2025-01-01 – 2025-12-31 Source
  • Capital expenditure: 4015000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 101000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 197000 USD · 2026-01-01 – 2026-06-30 Source
  • Capital expenditure: 101000 USD · 2026-01-01 – 2026-03-31 Source

Company performance

Up to ten complete financial years · consolidated figures

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2026-10-27.

Financial data available through: 2025-12-31.

Coverage by financial measure
  • Revenue: 5 of 11 periods available· newest 2025-12-31
  • operating income: No compatible figures in this window
  • Net income: 8 of 11 periods available· newest 2025-12-31
  • Operating cash flow: 8 of 11 periods available· newest 2025-12-31
  • Capital expenditure: 8 of 11 periods available· newest 2025-12-31
  • Total assets: 5 of 11 periods available· newest 2025-12-31
  • Total liabilities: 5 of 11 periods available· newest 2025-12-31
  • current assets: No compatible figures in this window
  • current liabilities: No compatible figures in this window
  • cash and cash equivalents: No compatible figures in this window
  • long term debt: No compatible figures in this window
  • Shares outstanding: 5 of 11 periods available· newest 2025-12-31

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

  • Revenue

    -1.6%

    Prior period

    USD 137.87 million

    –

    Current period

    USD 135.62 million

    –

    Exact inputs and evidence

    135615000 − 137867000 = -2252000 USD

    137867000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    135615000 USD · 2025-01-01 – 2025-12-31

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  • Net income

    +USD 25.59 million

    Prior period

    −USD 9.98 million

    –

    Current period

    USD 15.61 million

    –

    Exact inputs and evidence

    15613000 − -9980000 = 25593000 USD

    -9980000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    15613000 USD · 2025-01-01 – 2025-12-31

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  • Operating cash flow

    +0.5%

    Prior period

    USD 14.74 million

    –

    Current period

    USD 14.81 million

    –

    Exact inputs and evidence

    14811000 − 14740000 = 71000 USD

    14740000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    14811000 USD · 2025-01-01 – 2025-12-31

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  • Capital expenditure

    +359.2%

    Prior period

    USD 909,000

    –

    Current period

    USD 4.17 million

    –

    Exact inputs and evidence

    4174000 − 909000 = 3265000 USD

    909000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    4174000 USD · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2025 2025-01-01 – 2025-12-31

  • Revenue USD 135.62 million 100% of revenue
  • Operating costs Derived Unavailable An input is unavailable.
  • Operating income Unavailable An input is unavailable.
  • Tax, interest and other Derived Unavailable An input is unavailable.
  • Net income USD 15.61 million 12% of revenue

Cash

  • Operating cash flow USD 14.81 million 11% of revenue
  • Capital expenditure USD 4.17 million 3.1% of revenue
  • Free cash flow Derived USD 10.64 million 7.8% of revenue

Share of revenue by period

  • Net income
  • Tax, interest and other
  • Operating costs
  • 2021 Not shown: operating income or net income is not reported.
  • 2022 Not shown: operating income or net income is not reported.
  • 2023 Not shown: operating income or net income is not reported.
  • 2024 Not shown: operating income or net income is not reported.
  • 2025 Not shown: operating income or net income is not reported.
Values and sources
Revenue breakdown by annual reporting period
PeriodRevenueOperating costsOperating incomeTax, interest and otherNet incomeFree cash flowSource
2021 2021-01-01 – 2021-12-312426000 UnavailableUnavailableUnavailable22171000 27318000 Derived
Source
2022 2022-01-01 – 2022-12-3188679000 UnavailableUnavailableUnavailable26674000 32419000 Derived
Source
2023 2023-01-01 – 2023-12-31127761000 UnavailableUnavailableUnavailable26585000 31136000 Derived
Source
2024 2024-01-01 – 2024-12-31137867000 UnavailableUnavailableUnavailable-9980000 13831000 Derived
Source
2025 2025-01-01 – 2025-12-31135615000 UnavailableUnavailableUnavailable15613000 10637000 Derived
Source

Amounts are exact, in USD.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

USD 135.6M 2025
Revenue historyRevenue reported for each complete financial period. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.148.9M111.7M74.4M37.2M0.020212022202320242025
Values and sources
Revenue values and source evidence
PeriodSeriesValue(USD)Source evidence
2021Revenue2426000
2022Revenue88679000
2023Revenue127761000
2024Revenue137867000
2025Revenue135615000

Revenue growth

Change in revenue from the same financial period one year earlier.

-1.6% 2025
Revenue growth historyChange in revenue from the same financial period one year earlier. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.3,840%2,808%1,777%745%-286%20212022202320242025
Values and sources
Revenue growth values and source evidence
PeriodSeriesValueSource evidence
2021Year over yearNo prior comparable period
2022Year over year3,555.4%
2023Year over year44.1%
2024Year over year7.9%
2025Year over year-1.6%

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Net margin 11.5% 2025
Free cash flow margin 7.8% 2025
Profit margins historyOperating income, net income and free cash flow as a share of revenue. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.1,217%888%559%231%-98%2021-12-312022-12-312023-12-312024-12-312025-12-31
  • Operating margin
  • Net margin
  • Free cash flow margin
Values and sources
Profit margins values and source evidence
PeriodSeriesValueSource evidence
2021-12-31Operating marginNot reported
2022-12-31Operating marginNot reported
2023-12-31Operating marginNot reported
2024-12-31Operating marginNot reported
2025-12-31Operating marginNot reported
2021Net margin913.9%
2022Net margin30.1%
2023Net margin20.8%
2024Net margin-7.2%
2025Net margin11.5%
2021Free cash flow margin1,126.1%
2022Free cash flow margin36.6%
2023Free cash flow margin24.4%
2024Free cash flow margin10%
2025Free cash flow margin7.8%

Operating cash flow

Cash generated by the company’s normal business operations.

USD 14.8M 2025
Operating cash flow historyCash generated by the company’s normal business operations. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.36.2M27.2M18.1M9.1M0.020212022202320242025
Values and sources
Operating cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2021Operating cash flow29124000
2022Operating cash flow33544000
2023Operating cash flow31633000
2024Operating cash flow14740000
2025Operating cash flow14811000

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

USD 10.6M 2025
Free cash flow historyOperating cash flow minus capital expenditure for the same period and unit. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.35.0M26.3M17.5M8.8M0.020212022202320242025
Values and sources
Free cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2021Free cash flow27318000
2022Free cash flow32419000
2023Free cash flow31136000
2024Free cash flow13831000
2025Free cash flow10637000

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

90.1% 2025
Liabilities to assets historyTotal liabilities as a share of total assets. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.99%74%50%25%0%20212022202320242025
Values and sources
Liabilities to assets values and source evidence
PeriodSeriesValueSource evidence
2021Liabilities / assets88.5%
2022Liabilities / assets92%
2023Liabilities / assets89.1%
2024Liabilities / assets90.7%
2025Liabilities / assets90.1%

Current assets to current liabilities

Current assets divided by current liabilities.

Not enough comparable data to show this history.
Values and sources
Current assets to current liabilities values and source evidence
PeriodSeriesValueSource evidence
2021-12-31Current assets / current liabilitiesNot reportedNo source recorded
2022-12-31Current assets / current liabilitiesNot reportedNo source recorded
2023-12-31Current assets / current liabilitiesNot reportedNo source recorded
2024-12-31Current assets / current liabilitiesNot reportedNo source recorded
2025-12-31Current assets / current liabilitiesNot reportedNo source recorded

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
PeriodNet incomeOperating cash flowCapital expenditureFree cash flow
2018 2018-01-01 – 2018-12-31
USD 9.21 million
Exact value

Exact value: 9209000 USD

2018-01-01 – 2018-12-31: 9209000 USD Inspect Net Income Open source
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USD 12.59 million
Exact value

Exact value: 12591000 USD

2018-01-01 – 2018-12-31: 12591000 USD Inspect Operating Cash Flow Open source
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USD 1.38 million
Exact value

Exact value: 1375000 USD

2018-01-01 – 2018-12-31: 1375000 USD Inspect Capital Expenditure Open source
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USD 11.22 million
Calculation and evidence

12591000 − 1375000 USD

Exact free cash flow: 11216000 USD

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2019 2019-01-01 – 2019-12-31
USD 13.95 million
Exact value

Exact value: 13950000 USD

2019-01-01 – 2019-12-31: 13950000 USD Inspect Net Income Open source
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USD 16.69 million
Exact value

Exact value: 16692000 USD

2019-01-01 – 2019-12-31: 16692000 USD Inspect Operating Cash Flow Open source
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USD 990,000
Exact value

Exact value: 990000 USD

2019-01-01 – 2019-12-31: 990000 USD Inspect Capital Expenditure Open source
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USD 15.7 million
Calculation and evidence

16692000 − 990000 USD

Exact free cash flow: 15702000 USD

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2020 2020-01-01 – 2020-12-31
USD 15.72 million
Exact value

Exact value: 15717000 USD

2020-01-01 – 2020-12-31: 15717000 USD Inspect Net Income Open source
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USD 17.02 million
Exact value

Exact value: 17016000 USD

2020-01-01 – 2020-12-31: 17016000 USD Inspect Operating Cash Flow Open source
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USD 1.28 million
Exact value

Exact value: 1282000 USD

2020-01-01 – 2020-12-31: 1282000 USD Inspect Capital Expenditure Open source
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USD 15.73 million
Calculation and evidence

17016000 − 1282000 USD

Exact free cash flow: 15734000 USD

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2021 2021-01-01 – 2021-12-31
USD 22.17 million
Exact value

Exact value: 22171000 USD

2021-01-01 – 2021-12-31: 22171000 USD Inspect Net Income Open source
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USD 29.12 million
Exact value

Exact value: 29124000 USD

2021-01-01 – 2021-12-31: 29124000 USD Inspect Operating Cash Flow Open source
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USD 1.81 million
Exact value

Exact value: 1806000 USD

2021-01-01 – 2021-12-31: 1806000 USD Inspect Capital Expenditure Open source
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USD 27.32 million
Calculation and evidence

29124000 − 1806000 USD

Exact free cash flow: 27318000 USD

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2022 2022-01-01 – 2022-12-31
USD 26.67 million
Exact value

Exact value: 26674000 USD

2022-01-01 – 2022-12-31: 26674000 USD Inspect Net Income Open source
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USD 33.54 million
Exact value

Exact value: 33544000 USD

2022-01-01 – 2022-12-31: 33544000 USD Inspect Operating Cash Flow Open source
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USD 1.13 million
Exact value

Exact value: 1125000 USD

2022-01-01 – 2022-12-31: 1125000 USD Inspect Capital Expenditure Open source
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USD 32.42 million
Calculation and evidence

33544000 − 1125000 USD

Exact free cash flow: 32419000 USD

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2023 2023-01-01 – 2023-12-31
USD 26.59 million
Exact value

Exact value: 26585000 USD

2023-01-01 – 2023-12-31: 26585000 USD Inspect Net Income Open source
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USD 31.63 million
Exact value

Exact value: 31633000 USD

2023-01-01 – 2023-12-31: 31633000 USD Inspect Operating Cash Flow Open source
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USD 497,000
Exact value

Exact value: 497000 USD

2023-01-01 – 2023-12-31: 497000 USD Inspect Capital Expenditure Open source
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USD 31.14 million
Calculation and evidence

31633000 − 497000 USD

Exact free cash flow: 31136000 USD

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2024 2024-01-01 – 2024-12-31
−USD 9.98 million
Exact value

Exact value: -9980000 USD

2024-01-01 – 2024-12-31: -9980000 USD Inspect Net Income Open source
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USD 14.74 million
Exact value

Exact value: 14740000 USD

2024-01-01 – 2024-12-31: 14740000 USD Inspect Operating Cash Flow Open source
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USD 909,000
Exact value

Exact value: 909000 USD

2024-01-01 – 2024-12-31: 909000 USD Inspect Capital Expenditure Open source
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USD 13.83 million
Calculation and evidence

14740000 − 909000 USD

Exact free cash flow: 13831000 USD

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2025 2025-01-01 – 2025-12-31
USD 15.61 million
Exact value

Exact value: 15613000 USD

2025-01-01 – 2025-12-31: 15613000 USD Inspect Net Income Open source
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USD 14.81 million
Exact value

Exact value: 14811000 USD

2025-01-01 – 2025-12-31: 14811000 USD Inspect Operating Cash Flow Open source
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USD 4.17 million
Exact value

Exact value: 4174000 USD

2025-01-01 – 2025-12-31: 4174000 USD Inspect Capital Expenditure Open source
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USD 10.64 million
Calculation and evidence

14811000 − 4174000 USD

Exact free cash flow: 10637000 USD

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Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

46 filings · 1,764 latest values · 1,764 originally reported values

Dataset published . Source filing dates and reporting periods are shown separately.

Identifiers: 0001693577, 1693577, MNSB, MNSBP, edgar:1693577

Also known as MainStreet Bancshares, Inc.