MNSB

MainStreet BancsharesA

Nasdaq / Banks

At close

2026-07-22

Current thesis

Q2 results strengthened the constructive case: sequential income growth, 3.53% NIM, 207,000 accretive repurchases, tangible book value of $26.30, and zero net charge-offs. Continued funding and credit execution could support a rerating.

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +1.6.

What can break

Management cautioned that interest-rate movements, loan and deposit pricing, local economic conditions, client relationships, and key personnel could materially affect results. [#SEC-8K-2026-07-20]

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $26.75 · Bull $29.50 · Bear $21.50

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $27.50

Why

Momentum75 · Δ7d -

Value56 · Δ7d +1.6

Sentiment61 · Δ7d -

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendImproving

Δ7d

+1.6

Δ21d

+2.6

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade A. Momentum 74.5 / Value 56.3 / Sentiment 60.6

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$166.48M

Beta

0.61

Shares Out

7.12M

P/E (TTM) · Derived

13.3

P/S (TTM)

2.06

P/FCF (TTM)

39.59

Rev YoY

-7.2%

EPS YoY

+89.9%

Gross Margin

Op Margin

-9.4%

Net Debt

$50.69M

Current Ratio

0.18

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology