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MainStreet Bancshares Earnings Calls
| Release date | Apr 20, 2026 |
| EPS estimate | $0.450 |
| EPS actual | $0.480 |
| EPS Surprise | 6.67% |
| Revenue estimate | 20.3M |
| Revenue actual | 17.901M |
| Revenue Surprise | -11.82% |
| Release date | Jan 26, 2026 |
| EPS estimate | $0.490 |
| EPS actual | $0.460 |
| EPS Surprise | -6.12% |
| Revenue estimate | 19.6M |
| Revenue actual | 18.042M |
| Revenue Surprise | -7.95% |
| Release date | Oct 27, 2025 |
| EPS estimate | $0.510 |
| EPS actual | $0.520 |
| EPS Surprise | 1.96% |
| Revenue estimate | 19.4M |
| Revenue actual | 18.079M |
| Revenue Surprise | -6.81% |
| Release date | Jul 22, 2025 |
| EPS estimate | $0.440 |
| EPS actual | $0.530 |
| EPS Surprise | 20.45% |
| Revenue estimate | 18.9M |
| Revenue actual | 19.685M |
| Revenue Surprise | 4.15% |
Last 4 Quarters for MainStreet Bancshares
Below you can see how MNSB performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 22, 2025 |
| Price on release | $21.41 |
| EPS estimate | $0.440 |
| EPS actual | $0.530 |
| EPS surprise | 20.45% |
| Date | Price |
|---|---|
| Jul 16, 2025 | $19.56 |
| Jul 17, 2025 | $19.61 |
| Jul 18, 2025 | $19.68 |
| Jul 21, 2025 | $19.99 |
| Jul 22, 2025 | $21.41 |
| Jul 23, 2025 | $21.66 |
| Jul 24, 2025 | $21.30 |
| Jul 25, 2025 | $21.16 |
| Jul 28, 2025 | $20.75 |
| 4 days before | 9.46% |
| 4 days after | -3.08% |
| On release day | 1.17% |
| Change in period | 6.08% |
| Release date | Oct 27, 2025 |
| Price on release | $19.33 |
| EPS estimate | $0.510 |
| EPS actual | $0.520 |
| EPS surprise | 1.96% |
| Date | Price |
|---|---|
| Oct 21, 2025 | $18.54 |
| Oct 22, 2025 | $18.89 |
| Oct 23, 2025 | $18.65 |
| Oct 24, 2025 | $19.40 |
| Oct 27, 2025 | $19.33 |
| Oct 28, 2025 | $19.13 |
| Oct 29, 2025 | $18.53 |
| Oct 30, 2025 | $18.58 |
| Oct 31, 2025 | $18.55 |
| 4 days before | 4.26% |
| 4 days after | -4.04% |
| On release day | -1.03% |
| Change in period | 0.0539% |
| Release date | Jan 26, 2026 |
| Price on release | $20.17 |
| EPS estimate | $0.490 |
| EPS actual | $0.460 |
| EPS surprise | -6.12% |
| Date | Price |
|---|---|
| Jan 20, 2026 | $19.85 |
| Jan 21, 2026 | $20.21 |
| Jan 22, 2026 | $21.20 |
| Jan 23, 2026 | $20.51 |
| Jan 26, 2026 | $20.17 |
| Jan 27, 2026 | $20.61 |
| Jan 28, 2026 | $20.75 |
| Jan 29, 2026 | $21.16 |
| Jan 30, 2026 | $21.41 |
| 4 days before | 1.61% |
| 4 days after | 6.15% |
| On release day | 2.18% |
| Change in period | 7.86% |
| Release date | Apr 20, 2026 |
| Price on release | $24.24 |
| EPS estimate | $0.450 |
| EPS actual | $0.480 |
| EPS surprise | 6.67% |
| Date | Price |
|---|---|
| Apr 14, 2026 | $23.29 |
| Apr 15, 2026 | $23.36 |
| Apr 16, 2026 | $23.23 |
| Apr 17, 2026 | $24.24 |
| Apr 20, 2026 | $24.24 |
| Apr 21, 2026 | $23.52 |
| Apr 22, 2026 | $23.56 |
| Apr 23, 2026 | $23.77 |
| Apr 24, 2026 | $23.86 |
| 4 days before | 4.10% |
| 4 days after | -1.59% |
| On release day | -2.97% |
| Change in period | 2.45% |
MainStreet Bancshares Earnings Call Transcript Summary of Q1 2026
MainStreet Bancshares reported a disciplined, execution-focused Q1 2026 with improving profitability, margin expansion and strong liquidity and capital. Key financials: EPS rose to $0.48, net interest margin (NIM) expanded to 3.47% (core NIM 3.54%), return on average assets 0.76% and ROTCE 7.58%. The company continues share repurchases (482k shares over two quarters; ~$0.30 per-share accretion) and trades at ~87% of tangible book value. Liquidity strengthened with secured availability rising $76M to $663M, covering over 42% of deposits. Asset quality remains solid: net charge-offs were minimal ($259k), classified loans and nonaccruals are manageable, and OREO was immaterial. Loan mix growth is concentrated in owner-occupied CRE (up ~$80M over the year); loan growth guidance is 3–5% for 2026. The bank emphasizes balance-sheet interest-rate positioning (large portion of loans reprice in 6 months; time deposits largely reprice over 12 months) to neutralize interest-rate risk and capture margin upside if rates decline. Management is targeting a return to mid-50s efficiency ratios (2023 levels) through expense discipline. Strategic initiatives include expanding the footprint (new Middleburg branch with >$100M low-cost deposits) and strengthening the government-contracting effort via a new Board appointee to drive deposit and lending growth in that niche.
