Intrinsiqq

MainStreet Bancshares Inc. (MNSB) Quality Score

MNSB
Quality56

Growth is the primary weakness (avg 25/100). Valuation is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
11.7x

Under 20x, reasonable relative to earnings

Price / Book
100/100
0.79x

0.8x book, trading near or below equity

Revenue Growth
0/100
-6.3%

Below 2%, essentially flat

Book Value Growth
50/100
4.2%

2–5%, modest book growth

Business Quality & Capital Allocation

Share Dilution
100/100
-4.4%

Shrinking >2%, active buybacks

Return on Equity
60/100
8.1%

5–10%, adequate but not exceptional

Capital Adequacy
80/100
9.6%

9.6% equity/assets, comfortable cushion

Margin Trend
0/100
-4.9pp

Net margin compressed >2pp, profitability pressure

MainStreet Bancshares (MNSB) quality: score, margins and returns

MainStreet Bancshares (MNSB) scores 56/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100, on 53.5% operating margins and 31.5% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is MainStreet Bancshares (MNSB) a high-quality business?+

MainStreet Bancshares scores 56 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Recent figures include a 53.5% operating margin and a 31.5% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does MainStreet Bancshares's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from MNSB's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where MainStreet Bancshares scores well and where it falls behind.

What is MainStreet Bancshares's return on invested capital (ROIC)?+

MainStreet Bancshares earns about 31.5% on its invested capital, which is exceptional. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to MNSB's margins and growth on this scorecard to judge durability.

How profitable is MainStreet Bancshares?+

MainStreet Bancshares runs an operating margin of about 53.5% and a net margin of about 26.0%. Revenue has grown at roughly 222.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 28 Sept 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Related stocks: State Commercial Banks

Spot a number that looks wrong? Check it in MNSB's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.