MainStreet Bancshares
Owns a branch-lite community bank serving the Washington, D.C. metropolitan area.
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Profile
Owns a business-focused community bank serving the Washington, D.C. metropolitan area. Its branch-lite model pairs a limited physical footprint with online and mobile banking, local decision-making, and relationship banking.
Owns MainStreet Bank, a business-focused community bank serving the Washington, D.C. metropolitan area. The Bank combines local decision-making and relationship banking with online and mobile banking within a deliberately branch-lite delivery model. Personal connections complement the limited physical network for customers.
A Fairfax-based footprint spans Northern Virginia and Washington, D.C., while MainStreet Community Capital sits alongside the Bank within the financial holding company. Avenu, an embedded Banking-as-a-Service initiative for fintech partners, was discontinued as the group refocused on core banking.
The operating bank is Virginia-chartered, a Federal Reserve Bank of Richmond member, and its deposits are FDIC-insured.
Company facts
Categories
Key statistics
Year to date +26.4% · Average volume (30d) 36.7K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 20, 2026Q2 FY26 | $0.53 | $0.58 | +9.4% | $21.1M | $19.1M | −9.4% | −4.49% |
| Apr 20, 2026Q1 FY26 | $0.45 | $0.48 | +6.7% | $20.3M | $17.9M | −11.8% | −2.97% |
| Jan 26, 2026Q4 FY25 | $0.49 | $0.46 | −6.1% | $19.6M | $18.0M | −7.9% | +2.18% |
| Oct 27, 2025Q3 FY25 | $0.51 | $0.52 | +2.0% | $19.4M | $18.1M | −6.8% | −1.03% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $33.9M | $35.4M | $33.4M | $32.8M | $31.6M | $33.0M | |
| Gross profit | $17.4M | $20.4M | $17.9M | $17.7M | $18.0M | $18.5M | |
| Operating income | $3.1M | $5.7M | $5.4M | $4.9M | $5.4M | $6.2M | |
| Net income | $2.5M | $4.6M | $4.5M | $4.1M | $4.1M | $4.7M | |
| Diluted EPS | $0.25 | $0.53 | $0.52 | $0.46 | $0.48 | $0.57 | |
| Gross margin | 51.5% | 57.7% | 53.6% | 54.0% | 57.0% | 56.2% | |
| Operating margin | 9.2% | 16.0% | 16.2% | 14.9% | 16.9% | 18.7% |
Fiscal years (4-quarter sums)FY21 $70.3M · FY22 $88.7M · FY23 $127.8M · FY24 $137.9M · FY25 $135.5M
Revenue by product · Q4 FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $30.1M · Total debt $70.1M · Total assets $2.24B · Shareholders' equity $214.4M
Dividends
Raised for 3 straight years — most recently to $0.10 from $0.05 in Nov 2022. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 4, 2026 | Aug 4 | Aug 11 | $0.10 | |
| May 4, 2026 | May 4 | May 11 | $0.10 | |
| Feb 9, 2026 | Feb 9 | Feb 16 | $0.10 | |
| Nov 10, 2025 | Nov 11 | Nov 18 | $0.10 | |
| Aug 6, 2025 | Aug 6 | Aug 13 | $0.10 | |
| May 9, 2025 | May 9 | May 20 | $0.10 | |
| Feb 10, 2025 | Feb 10 | Feb 17 | $0.10 | |
| Nov 12, 2024 | Nov 12 | Nov 19 | $0.10 |
Ownership
Shares outstanding 7.12M · Float 5.42M · 76.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| AllianceBernstein L.P. | 554.7K | 7.50% | 13G | May 18, 2026 |
| Banc Funds Co LLC | 530.9K | 7.46% | 13F | May 14, 2026 |
| BlackRock, Inc. | 396.6K | 5.60% | 13G | Jul 29, 2026 |
| Fourthstone LLC | 384.8K | 5.22% | 13G | May 15, 2026 |
| MainStreet Bank 401(k) Retirement Plan | 383.8K | 5.10% | 13G | Feb 24, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 4, 2026 | Richard Alexander Vari | officer: Chief Financial Officer | −4,500 | $23.20 |
| Dec 9, 2025 | Thomas J. Chmelik | director, officer: CFO, MainStreet Bancshares Inc | −7,238 | $20.09 |
| Dec 8, 2025 | Thomas J. Chmelik | director, officer: CFO, MainStreet Bancshares Inc | −23,577 | $19.93 |
| Dec 3, 2025 | Thomas J. Chmelik | director, officer: CFO, MainStreet Bancshares Inc | −9,771 | $19.82 |
| Nov 24, 2025 | Jeff W. Dick | director, officer: Chairman, President and CEO | +106 | $18.99 |
Peers
- FVCBankcorp
Local commercial bank for D.C.-area businesses and professionals
- John Marshall Bancorp
Washington-area relationship banking for businesses and professionals
- Eagle Bancorp
D.C.-area commercial bank with a larger branch and lending footprint
- Burke & Herbert Financial Services
Regional bank serving business and personal customers from Alexandria
- Capital Bancorp
Commercial bank for Washington/Baltimore businesses with D.C. and Reston offices
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| MainStreet Bancshares | $25.15 | +0.16% | $179.0M | 12.4 | 10.8 | 1.4 | −2.8% |
| FVCBankcorp | $18.27 | 0.00% | $328.8M | 12.9 | 11.6 | 3.4 | +29.8% |
| John Marshall Bancorp | $23.29 | +1.13% | $323.7M | 13.3 | 11.4 | 2.7 | +21.7% |
| Eagle Bancorp | $27.57 | −0.07% | $840.8M | — | 14.8 | 1.4 | −1.5% |
| Burke & Herbert Financial Services | $71.71 | 0.00% | $1.44B | 11.5 | 8.5 | 3.3 | +24.6% |
| Capital Bancorp | $36.54 | −0.11% | $595.2M | 10.7 | 9.8 | 2.0 | +9.2% |
| Median | 12.2 | 11.4 | 2.7 | +21.7% |