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MNSB

MainStreet BancsharesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 results strengthened the positive thesis: sequential income growth, NIM expansion, zero net charge-offs, loan and deposit activity, and accretive repurchases all support gradual earnings and book-value compounding.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
A 100% loan-to-deposit ratio and competitive deposit pricing could constrain liquidity flexibility or NIM expansion.
Momentum
75
Value
55
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $26.50 · Bull $29.50 · Bear $20.50Analysis 2026-07-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $27.50
Why
Momentum75 · Δ7d -
Value55 · Δ7d -0.0
Sentiment63 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • A 100% loan-to-deposit ratio and competitive deposit pricing could constrain liquidity flexibility or NIM expansion.
  • • Commercial real estate, government-contracting, and local-market execution remain important to growth quality.
  • • Nonperforming assets remain material at 2.77% of assets, loan-to-deposit reached 100%, and bank earnings remain sensitive to deposit pricing, loan pricing, rates, and credit resolution.

Catalyst clock

2026-07-20

Q2 earnings extended sequential profitability and NIM improvement

Lead driver: Sentiment · See AI snapshot
Momentum
75
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
63
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 74.5 / Value 54.9 / Sentiment 63.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-23. Scenario method

B+
Bull case
22%
Probability
Target price
$29.50
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$26.50
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
B-
Bear case
23%
Probability
Target price
$20.50
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$175.25M
Beta
0.61
Shares Out
7.12M
P/E (TTM) · Derived
14.0
P/S (TTM)
2.06
P/FCF (TTM)
39.59
Rev YoY
-6.6%
EPS YoY
+9.4%
Gross Margin
-
Op Margin
+16.5%
Net Debt
$50.69M
Current Ratio
0.12
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data