MNSB

This article first appeared on GuruFocus. Release Date: October 26, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. - Net interest margin improved to 3.55% and net interest income grew 3% quarter-over-quarter and 10% year-over-year, marking the fourth consecutive quarter of growth. - Pre-provision return on average assets was 91 basis points and return on tangible common equity was 9.61%, with EPS of $0.64 excluding the credit provision. - Strong liquidity position with over $816 million in available funding sources, covering over 42% of the deposit portfolio. - Loan portfolio is well-balanced with 62% tied to floating rates or repricing within two quarters, positioning for margin expansion as rates rise. - Capital position is robust, with stress tests showing post-stress capital ratios well above the 7% regulatory threshold for well-capitalized banks. - Core deposits represent 82% of total deposits, and average non-interest-bearing deposits increased over 8% year-over-year. - Commercial real estate concentration is back under the board-set limit of 375%, focusing on C&I and owner-occupied lending. - Active credit management with successful resolution of a nonperforming loan recovering 100% of principal, interest, and legal costs. - Recognized a $1.9 million credit provision, including a $1.4 million charge-off, which reduced EPS by $0.21. - A significant $28.8 million loan was downgraded and placed on non-accrual after quarter-end due to borrower liquidity concerns, with potential for further losses. - Classified loans total $46.4 million and non-accrual loans $92 million, indicating elevated credit risk in the portfolio. - Deposit costs are expected to increase, lagging the rise in loan yields, which could pressure net interest margin. - Funding competition in the market remains intense, making it challenging to grow low-cost deposits. - Non-performing assets include complex relationships, such as hospitality and multifamily properties, with resolutions subject to court processes and market conditions. - The $28.8 million non-performing loan is fluid, and management has not yet determined the range of potential losses, creating uncertainty. - Loan growth is modest at 5% year-to-date, and achieving further growth may be constrained by deposit competition. - Warning! GuruFocus has detected 6 Warning Signs with MNSB. - Is MNSB fairly valued? Test your thesis with our free DCF calculator. Q: What is management's assessment of the range of potential losses on the $28.8 million non-performing loan? A: CEO Jeff **** said the situation is unfolding in real time. The bank has ordered updated appraisals and broker estimates of value and is working every angle, but the outcome remains fluid. Chief Lending Officer Tom Floyd added that new information was learned on Friday, October 23, and management took action at that time; more will be known in the coming days and weeks. Q: What else do you see in the pipeline of potential credit issues, particularly given higher interest rates and borrower stress? A: CEO Jeff **** said the rate environment is profoundly different from 2023, when rates rose 5.25%. The recent 25 basis point hike is far less impactful, and the $76 million of five-year Treasury-indexed loans repricing over the next three quarters will be accretive. Chief Lending Officer Tom Floyd noted the bank can recast amortization if needed, and CFO Alex Berry said the $408 million of prime-indexed loans are largely construction loans with interest reserve balances built in to absorb rate changes. Management does not expect forthcoming rate changes to be as problematic as those in 2023 and 2024. Q: Do you need to build additional reserves, on either the balance sheet or unfunded portion, to accommodate future risk? A: CFO Alex Berry said the allowance for credit losses to loans rose modestly this quarter, largely due to the charge-off, which naturally raises the pooled provision for unidentified stress. Management reviews the allowance quarterly against local and macro economic conditions. The unfunded commitment reserve is largely driven by line utilization rates and will fluctuate naturally. Q: What are management's return on average assets and return on average tangible common equity goals, given the most recent ratios are low? A: CFO Alex Berry pointed to 2023 as the bank's best year and the target to return to: a return on average tangible common equity of 14%-plus and a return on average assets above 1%. Q: How much of the $1.8 million net charge-off was against the large loan that went bad? A: CFO Alex Berry said $1.4 million of the charge-off related to that one loan, with roughly $300,000 to $400,000 from other OREO properties disposed of during the quarter. The larger loan was downgraded to non-accrual after quarter end, so it is not reflected in the charge-off. CEO Jeff **** noted it was retroactively added to non-performing assets as of quarter end even though the decision was made late last week. Q: What were the interest reversals this quarter for loans that went to non-performing? A: CFO Alex Berry said a couple of loans going to non-performing required interest reversals, but the fully recovered loan generated more interest recovered than was reversed on the others, so the net effect for the quarter was positive. CEO Jeff **** added that the loan just placed on non-accrual had actually made its most recent September payment. Q: How significant are the delinquent loans in the 50-to-89-day delinquency bucket? A: Chief Lending Officer Tom Floyd said a number have been resolved since quarter end, roughly a third, and the rest are being worked rigorously. The watch list and substandard loans are reviewed in committee every two weeks until resolved. CEO Jeff **** said some are perennial slow pays and management does not view the bucket as highly significant or pointing to future problems. Q: What do you expect non-performing and classified loans to look like next quarter, in terms of resolutions and new additions? A: CEO Jeff **** said the $20 million relationship will either be paid off or turned over to the bank later this quarter; if turned over, it may not resolve immediately but will be through the court issues and able to be marketed. Chief Lending Officer Tom Floyd said the $14.5 million relationship has a plan with the borrower and is more of a first-quarter resolution, while the $6 million nine-unit condo project will likely sell down gradually rather than fully resolve this quarter. The $19 million pool is more granular, with some smaller loans expected to come out this quarter. Management is not currently seeing new additions but acknowledged that can change. Q: Can you talk about deposit competition and potential deposit flows over the next year as rates are higher? A: CFO Alex Berry said funding competition in the market is always fierce. There was some deposit froth ahead of the Fed move, followed by a pullback as the market digested the decision. The bank can be choosy about targeting increases and will lag deposit costs, particularly on the time deposit side, laddering them in while the floating-rate loan book reprices first, supporting margin stability. Q: Where does share repurchase rank on the priority list over the next 12 months? A: CEO Jeff **** said the bank must be mindful of its commercial real estate concentration, which is now back under the board's 375% limit. With that comfortable and a focus on C&I and owner-occupied lending, the bank will look at opportunities and still has room remaining in its current buyback authorization. Q: Is it fair to say capital could grow as fast as, if not faster than, the balance sheet at this point? A: CEO Jeff **** said earnings retention has always done a good job augmenting capital needs, and good loan opportunities remain. The biggest challenge is attracting reasonably costed deposits to grow alongside loans. The new head of business banking has brought on three new business bankers, with plans to add more, which should generate new low-cost relationships. CFO Alex Berry noted average non-interest-bearing deposit balances are up over 8% year over year. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

MainStreet Bancshares just dropped its Q3 2026 numbers and the stock barely flinched. Shares are fractionally lower today, even though the earnings story is about rising stress on the balance sheet rather than any spectacular beat or miss on profit. The headline is simple. The bank earned US$0.43 in basic earnings per share on US$17.5m of revenue, while non performing loans climbed to US$92.0m. The market is trading this like a nonevent. The figures indicate that investors are quietly repricing credit risk while still giving MainStreet Bancshares the benefit of the doubt, at least for now. Love the earnings stability at MainStreet Bancshares but uneasy about rising non performing loans and credit risk? Check out our list of solid balance sheet and fundamentals stocks (24 results). - Revenue (Q3 2026 vs Q3 2025): US$17.52m vs. US$18.08m (lower top line year on year) - Net Income, excl. extra items (Q3 2026 vs Q3 2025): US$3.06m vs. US$3.98m (profit declined compared with the prior period) - Basic EPS (Q3 2026 vs Q3 2025): US$0.43 vs. US$0.52 (earnings per share softened year on year) - Non Performing Loans, NPLs (Q3 2026 vs Q3 2025): US$92.00m vs. US$23.39m (credit stress increased on the loan book) Earnings only tell part of the story, because MainStreet Bancshares' cash flows are what many valuation focused investors lean on when the income statement looks noisy. On those cash flows alone, the NasdaqCM:MNSB stock could be a clear 27% undervalued. For anyone leaning positive on MainStreet Bancshares, the quarter offers a mixed but workable backdrop. Earnings per share at US$0.43 and net income of US$3.06m still point to a profitable franchise, even though both sit below last year's levels. Revenue at US$17.52m gives the bank room to absorb pressure. The stock barely moved, slipping only 0.16% after the release. This suggests holders are not rushing for the exits and are still giving the commercial banking model some credit. The bear case gets real support from the balance sheet. Non performing loans jumping from US$23.39m to US$92.00m indicate clear strain in MainStreet Bancshares' loan book, which matters for a commercial lender. Profit and revenue both softened year on year, so there is less earnings cushion if credit costs rise further. Recent returns add to the caution, with the share price down over the past 7, 30 and 90 days, even before the small move on the day of the report. After a jump in non performing loans and a relatively low 22% allowance, credit strain at MainStreet Bancshares may be more fragile than it looks. Review the full risk analysis for MainStreet Bancshares which shows 2 important warning signs MainStreet Bancshares shows how earnings pressure and a muted price move can appear together without clear conclusions. The real opportunity could be spotting stocks that look mispriced before the crowd fully reflects their fundamentals. - Company 1 - 41% below our estimate - targets higher margin protective films and installation services as new manufacturing capacity and distribution channels develop. - Company 2 - 31% below our estimate - supplies compute hardware and a software stack that data centre operators currently use to run intensive AI workloads. - Company 3 - 34% below our estimate - builds large scale AI infrastructure clusters that major model developers now use alongside existing cloud providers for extra capacity. Three companies from the same screener. Open every one of the 29 undervalued companies on it → This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include MNSB. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Interested in MainStreet Bank? Here are five stocks we like better. Q2 earnings improved as MainStreet Bank reported EPS of $0.58, with net interest income up more than 4% and net interest margin rising to 3.53%. Management credited the results to better asset yields, lower funding costs, and tight expense control. Loan growth stayed solid, with the portfolio up 5% year-to-date and strength coming from owner-occupied real estate and government contracting. The bank reiterated its full-year loan growth target of 5% to 7% while expecting operating costs to stay flat through 2026. Credit quality remains the main watch item as the bank works through eight performing and 13 non-performing relationships, including $61.3 million in classified non-accrual loans. Management said any losses from problem assets are not expected to be material, and capital levels remain strong even under stress tests. MainStreet Bank (NASDAQ:MNSB) executives said the company delivered stronger second-quarter 2026 earnings as net interest income expanded, expenses remained controlled and loan growth continued, while management also acknowledged ongoing work to resolve classified and non-performing credit relationships. Chairman and CEO Jeff Dick opened the earnings webcast by emphasizing the bank’s position in the Washington, D.C., metropolitan market, which he described as resilient despite periodic political and economic pressures. Dick said the region remains supported by major universities, tourism, data centers, medical facilities and Fortune 500 companies, in addition to the federal government. → Could Truth API Become Trump Media’s First Meaningful Revenue Driver? “The overarching point for us is that we are in a solid, resilient market,” Dick said. He cited a median household income of $135,089, an average home listing price of $831,000 and median days on market of 30 days. He also said Federal Reserve economic data from December 2025 indicated 684,000 government employees in the D.C. metropolitan area. Dick said MainStreet has hovered around $2.2 billion in total assets over the past two years while focusing on balance sheet management and replacing higher-cost funding. He noted that funding costs for a community bank in the Washington, D.C., market “may very well remain a little higher” than peers across the country. → GE Vernova Just Sent a Mixed AI Signal to Investors Chief Financial Officer Alex Vari said earnings per share rose to $0.58 in the quarter, supported by more than 4% growth in net interest income. He said the bank’s net interest margin improved to 3.53%, while return on average assets and return on tangible common equity rose to 0.85% and 8.88%, respectively. “With our third straight quarter of net interest income expansion and tight expense control, our efforts to improve core earnings quarter-over-quarter continue to bear fruit,” Vari said. → D-Wave Quantum or a Quantum ETF: Which Is the Better Bet? Vari said MainStreet has more than $810 million in available funding sources, with available liquidity facilities covering 42% of the deposit portfolio. He also said the bank has “effectively neutralized” interest-rate risk on the balance sheet, with 42% of the loan book at fixed rates and 58% floating or repricing after two quarters. The bank’s reported and core net interest margins converged at 3.53% during the quarter. Vari said the margin benefited from both higher asset yields and lower funding costs, though he cautioned that deposit pressure is expected to increase slightly in the competitive D.C. market. Looking ahead, Vari said MainStreet expects “single-digit movement” in net interest margin through the rest of the year, based on projected funding costs, loan repricing and a steady increase in average non-interest-bearing balances. In response to a question later in the call, he said the margin is expected to hold largely constant, with “a couple of basis points” of possible movement depending on unforeseen factors. Chief Lending Officer Tom Floyd said MainStreet’s loan portfolio grew 5% year-to-date, driven by its organic, relationship-focused banking model. He highlighted $97 million of growth over the past year in owner-occupied real estate, which he said reflects partnerships with local operating businesses. Floyd said the construction portfolio includes structural protections, with 88% of construction loans having a dedicated interest reserve held at the bank. He also said most construction projects are located within 25 miles of the bank’s branch network, giving the lending team direct familiarity with the markets and assets. MainStreet also reported momentum in government contracting. Floyd said the bank onboarded several “high-quality relationships” in the quarter, which drove a substantial increase in outstanding balances. He said the government contracting portfolio is also a source of stable core deposits. Floyd noted the addition of Oliver James to help expand that business. Vari said MainStreet is targeting 5% to 7% loan growth for the year and expects operating costs to remain at current levels through 2026. Executives said asset quality remains good overall, but they also discussed active workout efforts. Dick said the bank is working toward resolution of eight performing relationships and 13 non-performing relationships. Floyd said MainStreet currently manages $54.4 million in classified performing loans, $61.3 million in classified non-accrual loans and $900,000 in other real estate-owned assets. “The takeaway here is we do not sit on these relationships,” Floyd said. “We manage them aggressively with a sharp focus on maximizing recovery.” Vari emphasized the bank’s historical loss experience, saying lifetime net charge-offs over more than two decades totaled $12.6 million. He said that record spans the Great Recession, sequestration, the COVID shock and recent rate-hike cycles. During the question-and-answer session, Chris Marinac, identified as director of research at Brean Capital, asked whether investors should expect additional charge-offs. Dick said the bank has no losses identified at this point, adding that the two largest non-performing credits are in the court system. Management said some loss could occur as the bank works through current problem assets, but Dick said he did not expect it to be material relative to total outstandings. Vari said deposits grew quarter-over-quarter while the cost of deposits declined. He said the bank uses wholesale deposits to supplement loan growth and then seeks to backfill that funding with lower-cost core deposits. In response to Marinac’s question on deposit opportunities, Dick said MainStreet’s branch-light model relies heavily on business bankers and operating-account relationships. He said the bank is in the process of adding more business bankers to pursue small-business customers with deeper deposit relationships. MainStreet also continued repurchasing shares. Vari said book value per share grew 9% year-over-year, driven primarily by earnings, with additional support from strategic buybacks. The bank repurchased 207,000 shares during the quarter. Later in the call, management said the average repurchase price was $24.09 and that approximately $5 million remains under the current buyback authorization. Dick said future buybacks are somewhat constrained by commercial real estate concentration levels, but the program remains active. He said the bank is seeking to shift more growth toward owner-occupied real estate and commercial-and-industrial lending while reducing emphasis on investor commercial real estate. Floyd said stress testing shows the bank remains strongly capitalized even under severe hypothetical downturn scenarios, with post-stress capital ratios staying above the 7% well-capitalized regulatory threshold. Dick closed the call by saying management will continue working to improve asset quality while maintaining performance. “We will continue to do our best to get asset quality back to where we want it to be and continue to perform at these good numbers,” he said. MainStreet Bank Group, Inc (NASDAQ: MNSB) is the bank holding company for MainStreet Bank, a community bank headquartered in Westborough, Massachusetts. Through its subsidiary, the company provides a full range of commercial and consumer banking services designed to meet the financial needs of individuals, small businesses, and non-profit organizations. Its core focus is on building long‐term relationships within the communities it serves. MainStreet Bank's product suite includes deposit accounts such as checking, savings, money market and certificate of deposit offerings, as well as a variety of lending solutions. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "MainStreet Bank Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

This article first appeared on GuruFocus. Earnings Per Share (EPS): Increased to $0.58. Net Interest Income: Grew over 4% during the quarter. Net Interest Margin (NIM): Improved to 3.53%. Return on Average Assets (ROAA): Improved to 0.85%. Return on Tangible Common Equity (ROTCE): Improved to 8.88%. Loan Growth: Over 4% in the second quarter. Available Funding Sources: Over $810 million, covering 42% of the deposit portfolio. Loan Portfolio Composition: 42% fixed rates, 58% floating rates or repricing after two quarters. Lifetime Net Charge-Offs: $12.6 million over two decades. Book Value Per Share: Grew by 9% year-over-year. Share Buybacks: 207,000 shares repurchased last quarter. Classified Performing Loans: $54.4 million. Classified Non-Accrual Loans: $61.3 million. Other Real Estate-Owned Assets: $900,000. Warning! GuruFocus has detected 8 Warning Signs with MNSB. Is MNSB fairly valued? Test your thesis with our free DCF calculator. Release Date: July 20, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. MainStreet Bancshares Inc (NASDAQ:MNSB) reported an increase in earnings per share to $0.58, driven by a 4% growth in net interest income during the quarter. The company improved its net interest margin to 3.53%, with return on average assets and return on tangible common equity rising to 0.85% and 8.88%, respectively. MNSB has a strong liquidity strategy, with over $810 million in available funding sources, covering 42% of its deposit portfolio. The bank's loan portfolio is well-balanced, with 42% of loans at fixed rates and 58% at floating rates, providing margin stability in a shifting rate environment. MNSB's credit quality remains resilient, with lifetime net charge-offs over two decades standing at just $12.6 million, demonstrating efficient credit pricing and management. MainStreet Bancshares Inc (NASDAQ:MNSB) faces ongoing funding cost pressures, which may remain higher than its peer group due to its market location. The company is managing $54.4 million in classified performing loans and $61.3 million in classified non-accruals, indicating some credit risk challenges. MNSB anticipates additional deposit pressure in its highly competitive market, which could impact its net interest margin. The bank's buyback capacity is currently limited by its commercial real estate concentration, potentially affecting future share repurchase plans. Resolution of non-performing assets is slow due to court system delays, which could prolong credit risk exposure. Q: Can you discuss the deposit opportunities you see, given the pricing pressures mentioned? A: Jeff Dick, CEO, explained that MainStreet Bancshares is a branch-light franchise, focusing on business banking. They are hiring more business bankers to capture small business customers with deep relationships, which generally results in better collective cost of funds than wholesale funds. Q: Should we expect more loan charge-offs in the near term? A: Thomas Floyd, Chief Lending Officer, stated that no losses are currently identified. The two largest non-performers are in the court system, and the company is focused on maximizing collection. Jeff Dick added that while some loss might occur, it is not expected to be material. Q: What is the company's stance on share buybacks, and do you have the capacity to continue? A: Jeff Dick confirmed that the buyback plan is active, with capacity available. The focus is on buying back shares prudently, balancing commercial real estate concentration and earnings growth. Q: Should the tax rate remain consistent in the coming quarters? A: Richard Vari, CFO, indicated that the tax rate should remain constant for the next few quarters, despite being slightly elevated due to extra accruals. Q: What is the expected margin change in the second half of the year, assuming stable rates? A: Richard Vari expects the margin to hold constant, with deposits and loans repricing at attractive rates. Some basis point shifts might occur, but overall, the margin should remain stable. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

MainStreet Bank (MNSB) came out with quarterly earnings of $0.58 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.53 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +9.43%. A quarter ago, it was expected that this company would post earnings of $0.45 per share when it actually produced earnings of $0.48, delivering a surprise of +6.67%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. MainStreet Bank, which belongs to the Zacks Banks - Northeast industry, posted revenues of $19.13 million for the quarter ended June 2026, missing the Zacks Consensus Estimate by 0.07%. This compares to year-ago revenues of $19.86 million. The company has not been able to beat consensus revenue estimates over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. MainStreet Bank shares have added about 18.4% since the beginning of the year versus the S&P 500's gain of 8.9%. While MainStreet Bank has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for MainStreet Bank was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.58 on $19.57 million in revenues for the coming quarter and $2.26 on $77.04 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Northeast is currently in the top 39% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, Shore Bancshares (SHBI), is yet to report results for the quarter ended June 2026. This bank holding company is expected to post quarterly earnings of $0.50 per share in its upcoming report, which represents a year-over-year change of -2%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Shore Bancshares' revenues are expected to be $60.14 million, up 6.3% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report MainStreet Bank (MNSB) : Free Stock Analysis Report Shore Bancshares Inc (SHBI) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Disciplined Expense Management and Healthy NIM Drive Sequential Income Growth FAIRFAX, Va., July 20, 2026 (GLOBE NEWSWIRE) -- MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, reported net income of $4.7 million for the quarter-ended June 30, 2026, a 14% increase from the previous quarter, resulting in earnings per common share of $0.58. The net interest margin expansion continued, rising to 3.53% for the quarter. The Company repurchased 207,000 shares of common stock during the quarter, all of which were accretive to tangible book value. The combination of accretive share repurchases and quarterly earnings increased tangible book value to $26.30 per common share. The Company and Bank remain strongly capitalized. “We are pleased to report that the Company’s performance continues to be directionally consistent. The month of June produced an annualized return on average assets of 1.03% and an annualized return on average tangible common equity of 11.09%, which is progressing toward expectations,” said Jeff W. Dick, Chairman and CEO of MainStreet Bancshares, Inc. and MainStreet Bank. “The lenders booked $78 million in new loans and the business bankers kept pace with deposit growth, resulting in a 100% loan-to-deposit ratio,” said Abdul Hersiburane, President of MainStreet Bank. “Our year-over-year growth of $97 million in owner-occupied commercial real estate reflects our focus on operating businesses that bring strong relationships. We’re also excited about the opportunities surfacing for our commercial and government contracting team.” Nonperforming assets to total assets settled at 2.77% while loans 30-89 days past due and accruing dropped to 0.79% for the quarter. Chris Johnston, Chief Credit Officer of MainStreet Bank, expanded, “Our asset quality metrics remain manageable with zero net charge-offs during the quarter. We are steadfast in the speedy resolution of our nonperforming assets.” About MainStreet Bank: MainStreet operates seven branches in Herndon, Fairfax, McLean, Leesburg, Middleburg, Clarendon, and Washington, D.C. MainStreet Bank has over 55,000 free ATMs and a fully integrated online and mobile banking solution. The Bank is not restricted by a conventional branching system, as it can offer business customers the ability to Put Our Bank in Your Office®. With robust and easy-to-use online business banking technology, MainStreet has “put our bank” in thousands of businesses in the metropolitan area. MainStreet Bank has a robust line of business and professional lending products, including government contracting lines of credit, commercial lines and term loans, residential and commercial construction, and commercial real estate. MainStreet also works with the SBA to offer 7A and 504 lending solutions. From sophisticated cash management to enhanced mobile banking and instant-issue Debit cards, MainStreet Bank is always looking for ways to improve our customer's experience. MainStreet Bank was the first community bank in the Washington, D.C., metropolitan area to offer a full online business banking solution. MainStreet Bank was also the first bank headquartered in the Commonwealth of Virginia to offer CDARS – a solution that provides multi-million-dollar FDIC insurance. Further information on the Bank can be obtained by visiting its website at mstreetbank.com. This release contains forward-looking statements, including our expectations with respect to future events that are subject to various risks and uncertainties. The statements contained in this release that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Words such as “may,” “will,” “could,” “should,” “expect,” “plan,” “project,” “intend,” “anticipate,” “believe,” “estimate,” “predict,” “potential,” “pursuant,” “target,” “continue,” and similar expressions are intended to identify such forward-looking statements. Factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations include: fluctuation in market rates of interest and loan and deposit pricing, adverse changes in the overall national economy as well as adverse economic conditions in our specific market areas, future impacts of pandemic outbreaks, maintenance and development of well-established and valued client relationships and referral source relationships, and acquisition or loss of key production personnel. We caution readers that the list of factors above is not exclusive. The forward-looking statements are made as of the date of this release, and we may not undertake steps to update the forward-looking statements to reflect the impact of any circumstances or events that arise after the date the forward-looking statements are made. In addition, our past results of operations are not necessarily indicative of future performance. CONTACT: Contact: Billy Freesmeier Chief of Staff (703) 481-4579

MainStreet reported improving profitability with Q1 EPS $0.48, net interest margin expansion to 3.47% (core 3.54%), and earnings accretion from disciplined share repurchases totaling over 482,000 shares. Management emphasized strong liquidity and funding management — a secured available line of $663 million covering over 42% of deposits, a funding beta of 67% during the rate cut cycle, and active repricing strategies to lower funding costs as the yield curve steepens. The loan portfolio remains concentrated in commercial real estate (55% combined owner-occupied and non-owner occupied) with disciplined credit metrics — net charge-offs of $259,000, classified loans at 3.09%, and a growing GovCon business with low utilization and sizable related deposits. Interested in MainStreet Bank? Here are five stocks we like better. MainStreet Bank (NASDAQ:MNSB) executives highlighted improving profitability trends, a continued focus on balance sheet and funding cost management, and disciplined credit performance during the company’s first quarter 2026 earnings webcast. Chairman and CEO Jeff Dick was joined by CFO Alex Vari and Chief Lending Officer Tom Floyd to discuss quarterly results and outlook, with analyst questions coming from Chris Marinac, Director of Research. Dick opened with a view of the Washington, D.C. metropolitan area, describing it as a diverse economic region supported by universities, tourism, data centers, medical facilities, and Fortune 500 companies. He cited local metrics including median household income “up $10,000 year-over-year” to $135,000, an average home listing price of $831,000, and median days on market moving from 29 to 30 days. He also referenced Federal Reserve economic data from December 2025 indicating 684,000 government employees in the D.C. metro area. → Credo Stock Flashes Strong Bullish Signal—Upswing Just Starting Dick said the company has “hover[ed] around that $2.2 billion total asset mark” over the past two years while focusing on “smart balance sheet management,” including efforts to replace higher-cost funding. He noted that as a community business bank in the Washington, D.C. market, MainStreet’s “ongoing funding costs may very well remain a little higher” than peers nationally. He also discussed MainStreet’s “branch-light strategy,” connecting it to the early adoption of remote deposit capture following the Check 21 Act. Dick said the bank now hosts more customers on its Remote Deposit Capture solution “than any bank our size in the country served by our core processor.” → Allbirds Exits Shoes, Pivots to AI With NewBird Rebrand In terms of physical expansion, Dick said the company recently expanded into Middleburg, Virginia, opening its seventh branch in early February and holding a grand opening on April 8. He said the Middleburg team has “already accumulated over $100 million of low-cost core deposits.” Vari said the first quarter of 2026 was “defined by execution.” He reported earnings per share of $0.48, attributing the result to “disciplined share repurchases” alongside a 5% increase in net interest income after credit provision. Vari said net interest margin improved to 3.47%, while return on average assets was 0.76% and return on tangible common equity was 7.58%. → Amazon Stock Up 30%: Is AMZN Still a Buy Before Earnings? Vari noted results included a “non-recurring $685,000 loss on an Other Real Estate Owned disposition.” He said the company remains focused on efficiency and has “positioned ourselves for earnings growth in future quarters.” On liquidity, Vari described MainStreet’s position as a “fortress,” stating that the secured available line increased $76 million during the quarter to $663 million. He added that liquidity facilities cover “over 42%” of the deposit portfolio. Vari said net interest margin has expanded and pointed to a core net interest margin of 3.54%. He also discussed one-time items affecting reported margin over recent quarters, including a $1.3 million interest recovery in Q2 2025 from a non-performing asset and interest reversals in the past three quarters related to a “small handful of loans” being worked through. He said the average reported net interest margin across the last five quarters was 3.50%, tracking closely to core performance. Discussing interest-rate risk, Vari said the bank has “effectively neutralized” balance sheet interest-rate exposure. He outlined the asset and liability sensitivity, noting that over one-third of the loan portfolio is variable-rate or will reprice in the next six months, while 87% of time deposits are scheduled to reprice ratably over the next 12 months. He also referenced an “aggressive repricing strategy for variable deposits” and “robust floors across the loan portfolio.” Vari said the company’s deposit mix reflects its business customer-focused strategy. Over the last five quarters, he said the bank grew deposits while lowering overall cost by 64 basis points. Over the past 12 months, he noted the FOMC lowered rates by 75 basis points, and during that period the bank increased interest-bearing deposits to 42% of the portfolio while the yield on those deposits dropped 79 basis points. Vari said the bank’s funding beta for the rate-reduction cycle has been 67%. With the Fed forecast shifting to a flat rate outlook, Vari said the bank still sees opportunities to lower funding costs by repricing maturing CDs, though he expects the pace to slow due to competition and uncertain economic conditions. He added that as the yield curve steepens, the bank sees a potential path to margin expansion through deposit optimization on the short end, along with loan repricing and new loan growth that “tends to be on the 5-year part of the curve.” Vari said the company has been “diligent with expense control” and expects to maintain that momentum. He also stated that loan growth expectations for 2026 are 3% to 5%. On capital management, Vari said that over the last two quarters the bank repurchased more than 482,000 shares, resulting in $0.30 per share accretion. He said the board will consider future buyback programs “when appropriate.” In response to a later question about whether the bank would maintain an aggressive buyback while the stock trades below tangible book value, management said it was in a blackout period. Dick said he did not expect “any change in trends” from what investors have seen, while Vari added the bank is “very pleased” with the current buyback plan and that the board will continue evaluating capital deployment that makes sense for shareholders. Floyd said the bank saw continued loan growth “in desirable categories” while maintaining credit discipline. He reported net charge-offs of $259,000 for the quarter. Floyd described growth in owner-occupied commercial real estate as a key theme, saying the bank has grown that category by roughly $80 million over the last year. He outlined the loan portfolio composition at quarter-end as: 30% non-owner occupied commercial real estate 25% owner-occupied commercial real estate 16% construction 13% multi-family 11% residential real estate 5% commercial and industrial He added that nearly all of the construction portfolio has an interest reserve held at the bank and said average new loan size has remained low as the bank has grown, reflecting an emphasis on smaller opportunities. On stress testing, Floyd said estimated worst-case stress loss increased to $69.5 million, but emphasized capital strength, including a post-stress Common Equity Tier 1 ratio of 11%, “well above” the 7% well-capitalized threshold. He also detailed the methodology, including loan-level testing for construction and investor commercial real estate, applying “worst-ever historical loss rates” for other categories, and marking investments and bank-owned life insurance to liquidation value. Credit quality metrics shared on the call included classified loans at 3.09% of gross loans, non-accruals at 2.88%, and other real estate owned at 0.06%. Floyd noted most non-accruals were attributable to two relationships and said low charge-offs demonstrate the team’s focus on protecting principal while working through problem credits. Floyd also highlighted the government contracting (GovCon) business and announced the appointment of Morgan Higgins to the bank’s board. Floyd said Higgins is a former executive director at JPMorgan Chase, where she built a government contracting lending practice in Northern Virginia, and is currently a partner at Blue Delta Capital Partners, which he described as a minority investor venture capital firm focused on the U.S. federal government market. Floyd provided details on the GovCon portfolio, stating the bank has 30 asset-based lines of credit supported by billed receivables with $8.8 million outstanding on $71.7 million of commitments, or 12% utilization. He said the GovCon portfolio has $1.1 million in outstanding term debt, with loans amortizing rapidly and an average remaining term of 21 months. Floyd also pointed to deposits tied to the portfolio averaging $104 million, describing deposits as roughly “10 times” outstanding credit. In the Q&A, Marinac asked about customer behavior and pipeline momentum. Floyd said optimism remains in real estate, with borrowers taking advantage of circumstances for expansion, and said the pipeline continues to show “lots of good opportunities,” including activity tied to government contracting. Management also said it is seeing deposit-side momentum and suggested that “flight to quality” dynamics can support FDIC-insured deposits during periods of uncertainty. Asked about development along the Route 50 corridor toward Middleburg, Floyd said the bank’s acquisition and development financing is primarily “infill” inside and just outside the Beltway. He acknowledged some exposure to data center-related plans but said those opportunities often include industrial components and current uses and are “not fully dependent” on future data center development. Dick added the bank has historically favored lending closer in, referencing the Great Recession period when land and property prices inside the Beltway fell less than in more distant areas. Management closed the call by reiterating optimism and referencing 2023 as a “banner year,” with Dick stating the objective is to return to that level of performance and beyond. MainStreet Bank Group, Inc (NASDAQ: MNSB) is the bank holding company for MainStreet Bank, a community bank headquartered in Westborough, Massachusetts. Through its subsidiary, the company provides a full range of commercial and consumer banking services designed to meet the financial needs of individuals, small businesses, and non-profit organizations. Its core focus is on building long‐term relationships within the communities it serves. MainStreet Bank's product suite includes deposit accounts such as checking, savings, money market and certificate of deposit offerings, as well as a variety of lending solutions. The article "MainStreet Bank Q1 Earnings Call Highlights" was originally published by MarketBeat.

This article first appeared on GuruFocus. Release Date: April 20, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. MainStreet Bancshares Inc (NASDAQ:MNSB) increased earnings per share to $0.48, driven by disciplined share repurchases and a 5% increase in net interest income. The net interest margin improved to 3.47%, with a core net interest margin of 3.54%, indicating strong financial performance. The company maintained strong asset quality and is well-capitalized, with a post-stress common equity tier one ratio of 11%. MNSB successfully expanded its footprint with a new branch in Middleburg, Virginia, accumulating over $100 million in low-cost core deposits. The company demonstrated effective expense control, with a target to achieve efficiency ratios in the low 50% range, similar to its best year in 2023. MNSB faced a non-recurring $685,000 loss on an other real estate-owned disposition, impacting financial results. The company operates in a highly competitive deposit pricing environment, which may limit the pace of funding cost reductions. The estimated worst-case stress loss increased to $69.5 million, although the company remains well-capitalized. MNSB's loan portfolio includes non-accrual loans, which can negatively impact current quarter results due to interest reversals. The bank's ongoing funding costs may remain higher than peers due to its position as a community business bank in the Washington, D.C. market. Warning! GuruFocus has detected 7 Warning Signs with MNSB. Is MNSB fairly valued? Test your thesis with our free DCF calculator. Q: How is customer behavior impacting your new business pipeline for the next few quarters? A: Tom Floyd, Chief Lending Officer, noted that in the real estate space, people are optimistic and taking advantage of expansion opportunities. The pipeline is seeing good opportunities, particularly in government contracting and real estate, with no significant changes in the quality of new opportunities. Q: Could external distractions or uncertainties accelerate the acquisition of new deposit accounts? A: Jeff, Chairman and CEO, mentioned that there is potential for deposit growth as international uncertainties settle. FDIC-insured deposits are seen as a strong quality mark, which could benefit the bank's marketplace. Q: What are the prospects for net interest margin improvement, considering non-accrued interest shifts? A: Alex Vari, CFO, explained that there are opportunities to lower funding costs through repricing time deposits and deploying loans at favorable margins. The appointment of a new Chief Banking Officer is expected to enhance customer wallet share and expand opportunities. Q: What are the efficiency goals for the organization, and is this quarter a step in that direction? A: Alex Vari, CFO, stated that the target is to achieve efficiency ratios in the low 50% range, similar to 2023 levels. The current quarter saw expense reductions, and the focus is on maintaining this momentum to improve efficiency ratios. Q: How will the expertise of the new hire in the GovCon area impact the business in the next 12 to 18 months? A: Jeff, Chairman and CEO, and Tom Floyd, Chief Lending Officer, expressed optimism about the impact of Morgan Higgins' appointment. Her experience is expected to open doors to new customers and enhance competitiveness in the government contracting space, leading to meaningful growth in lending and deposits. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Performance was driven by a disciplined branch-light strategy and remote deposit capture, allowing the bank to maintain a high volume of business customers without extensive physical overhead. The bank successfully expanded its footprint into Middleburg, Virginia, which has already contributed over $100 million in low-cost core deposits since February. The company achieved a 67% funding beta during the recent rate reduction cycle through aggressive deposit repricing, while the reported net interest margin averaged 3.50% over the last five quarters despite being impacted by nonrecurring interest reversals. Management attributed the $2.2 billion asset plateau over the last two years to a deliberate focus on replacing higher-cost funding with more sustainable core deposits. The D.C. metropolitan market remains a primary driver of stability, characterized by high median household incomes and a resilient 'seller's market' in real estate. Credit culture remains centered on risk-adjusted pricing, which management states allows the bank to absorb normalized fluctuations while maintaining margin growth. Loan growth for 2026 is projected at 3% to 5%, with a strategic focus on owner-occupied commercial real estate and government contracting niches. Management expects the pace of funding cost reductions to slow due to a shift toward a flat rate outlook and highly competitive local market dynamics. The bank is positioned for 'neutralized' interest rate risk, utilizing loan floors and liability sensitivity to protect margins whether rates rise or fall sharply. Efficiency ratio targets are set between 53% and 55%, aiming to return to 2023 performance levels through continued expense control and resolution of nonaccrual interest reversals. The appointment of a new Chief Banking Officer is expected to drive increased wallet share from existing customers and expand the bank's regional footprint. First quarter results included a nonrecurring $685,000 loss related to the disposition of an other real estate owned (OREO) asset. Reported net interest margin was impacted by interest reversals on a small handful of loans currently in workout, though core NIM remained resilient at 3.54%. Classified loans stood at 3.09%, with the majority of nonaccruals concentrated in only two specific client relationships. Stress testing models indicate a hypothetical worst-case loss of $69.5 million, though management noted actual net charge-offs remain significantly lower at $259,000. Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Management noted that real estate clients remain optimistic and are seeking expansion opportunities despite broader economic uncertainty. The bank is seeing a 'flight to quality' where customers prioritize FDIC-insured deposits, aiding new account acquisition. The appointment of Morgan Higgins to the Board is intended to leverage her expertise to open doors to federal contractors and improve competitive positioning. The government contracting book currently provides a significant funding advantage, with deposits averaging 10x the outstanding credit. Management is targeting an efficiency ratio in the low 50s, specifically aiming for the 53% to 55% range seen during their record 2023 performance. Current efficiency is temporarily hindered by the requirement to reverse 90 days of interest when loans move to nonaccrual status. Management deflected specific future commitments due to the blackout period but noted the Board continually evaluates buybacks as a tool for shareholder value. Recent repurchases of 482,000 shares resulted in a $0.30 per share accretion over the last two quarters. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here.

Net Interest Margin Expands on Disciplined Funding Strategy FAIRFAX, Va., April 20, 2026 (GLOBE NEWSWIRE) -- MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, reported a net income of $4.1 million for the quarter-ended March 31, 2026, resulting in earnings per common share of $0.48. The net interest margin expanded 9 basis points during the quarter to 3.47%, resulting from consistent loan pricing and lower funding costs. During the quarter the Company executed a buyback of 273,448 shares, and the book value per common share ended the quarter at $25.63. The Company and Bank remain strongly capitalized. “Our team’s disciplined execution continues to drive value for our shareholders. With robust liquidity and a growing book value, we leveraged our share buyback program to take advantage of accretive opportunities in the market. At the same time, we remain focused on delivering strong and sustainable earnings growth,” said Jeff W. Dick, Chairman and CEO of MainStreet Bancshares, Inc. and MainStreet Bank. “We continue to replace higher cost funds with lower cost deposits which is a key driver of our expanding net interest margin,” said Alex Vari, CFO of MainStreet Bancshares, Inc. and MainStreet Bank. “We’ve seen our eighth straight quarter with improvement in our total cost of deposits. This is a testament to our diligence in structuring noncore deposits while our business bankers maintain and grow valuable relationships within our community. Total core funding is $1.4 billion and total deposits grew to over $1.9 billion.” “Net loans increased for the quarter to $1.85 billion resulting in a well-managed 98% loan-to-deposit ratio. We’re pleased to have grown our owner-occupied commercial real estate book by $79 million year-over-year. Our owner-occupied relationships also bring good deposit balances, which helps to maximize the value of our customer relationships,” said Tom Floyd, Chief Lending Officer of MainStreet Bank. Nonperforming assets as a percentage of total assets settled at 2.47% while loans 30-89 days past due and accruing improved to 0.95%. In response, Chris Johnston, Chief Credit Officer of MainStreet Bank, added, “We have a strong credit culture and a comprehensive underwriting process. The loans we are currently working to resolve are secured by properly leveraged real estate with personal guarantees. Our primary objective is to work with borrowers to resolve loans that have elevated risk without exposing the Bank to a loss of principal. Our team’s track record on resolutions is strong – with a total accumulated principal loss of less-than $10 million over the entire 22-year history for the commercial loan portfolio.” About MainStreet Bank: MainStreet operates seven branches in Herndon, Fairfax, McLean, Leesburg, Middleburg, Clarendon, and Washington, D.C. MainStreet Bank has over 55,000 free ATMs and a fully integrated online and mobile banking solution. The Bank is not restricted by a conventional branching system, as it can offer business customers the ability to Put Our Bank in Your Office®. With robust and easy-to-use online business banking technology, MainStreet has "put our bank" in thousands of businesses in the metropolitan area. MainStreet Bank has a robust line of business and professional lending products, including government contracting lines of credit, commercial lines and term loans, residential and commercial construction, and commercial real estate. MainStreet also works with the SBA to offer 7A and 504 lending solutions. From sophisticated cash management to enhanced mobile banking and instant-issue Debit cards, MainStreet Bank is always looking for ways to improve our customer's experience. MainStreet Bank was the first community bank in the Washington, D.C., metropolitan area to offer a full online business banking solution. MainStreet Bank was also the first bank headquartered in the Commonwealth of Virginia to offer CDARS – a solution that provides multi-million-dollar FDIC insurance. Further information on the Bank can be obtained by visiting its website at mstreetbank.com. This release contains forward-looking statements, including our expectations with respect to future events that are subject to various risks and uncertainties. The statements contained in this release that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Words such as “may,” “will,” “could,” “should,” “expect,” “plan,” “project,” “intend,” “anticipate,” “believe,” “estimate,” “predict,” “potential,” “pursuant,” “target,” “continue,” and similar expressions are intended to identify such forward-looking statements. Factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations include: fluctuation in market rates of interest and loan and deposit pricing, adverse changes in the overall national economy as well as adverse economic conditions in our specific market areas, future impacts of pandemic outbreaks, maintenance and development of well-established and valued client relationships and referral source relationships, and acquisition or loss of key production personnel. We caution readers that the list of factors above is not exclusive. The forward-looking statements are made as of the date of this release, and we may not undertake steps to update the forward-looking statements to reflect the impact of any circumstances or events that arise after the date the forward-looking statements are made. In addition, our past results of operations are not necessarily indicative of future performance. *Derived from audited financial statements *Derived from audited financial statements Contact: Billy Freesmeier Chief of Staff (703) 481-4579

MainStreet Bank (MNSB) came out with quarterly earnings of $0.48 per share, beating the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.25 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +6.67%. A quarter ago, it was expected that this company would post earnings of $0.49 per share when it actually produced earnings of $0.46, delivering a surprise of -6.12%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. MainStreet Bank, which belongs to the Zacks Banks - Northeast industry, posted revenues of $17.9 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 3.29%. This compares to year-ago revenues of $17.45 million. The company has topped consensus revenue estimates just once over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. MainStreet Bank shares have added about 19.1% since the beginning of the year versus the S&P 500's gain of 4.1%. While MainStreet Bank has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for MainStreet Bank was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.51 on $19.11 million in revenues for the coming quarter and $2.12 on $76.93 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Northeast is currently in the bottom 41% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, SB Financial Group, Inc. (SBFG), is yet to report results for the quarter ended March 2026. The results are expected to be released on April 23. This company is expected to post quarterly earnings of $0.60 per share in its upcoming report, which represents a year-over-year change of +42.9%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. SB Financial Group, Inc.'s revenues are expected to be $16.7 million, up 8.5% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report MainStreet Bank (MNSB) : Free Stock Analysis Report SB Financial Group, Inc. (SBFG) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research