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MNSB

MainStreet BancsharesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 spread income continued to improve, and the $21.42 anchor is about 0.81 times reported September 30 book value of $26.36 per common share. Credit stabilization could narrow that discount.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.4.
What can break
Analyst revisions and a primary Q3 call transcript were not verified, limiting confidence in whether the post-print credit risk is fully reflected in estimates.
Momentum
75
Value
57
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $21.00 · Bull $25.00 · Bear $16.50Analysis 2026-10-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-11-06 • Vendor: Data Vendor v1
Scores
As of 2026-11-06 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-11-06

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-11-06. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $24.50
Why
Momentum75 · Δ7d -
Value57 · Δ7d -1.4
Sentiment49 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -1.4.

Contradictions & invalidation

  • • Analyst revisions and a primary Q3 call transcript were not verified, limiting confidence in whether the post-print credit risk is fully reflected in estimates.
  • • Non-interest-bearing deposits declined from $363.9 million at June 30 to $343.8 million at September 30, despite improvement in the broader core-funding mix. SEC earnings exhibit
  • • The $1.9 million provision drove a sharp sequential EPS decline from $0.58 to $0.43, while nonperforming loans rose materially year over year.

Catalyst clock

2026-12-31

Common dividend offers limited capital-return support

Lead driver: Value · See fundamentals
Momentum
75
18% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
57
43% active weight
Current posture
7d trendSoftening
Δ7d
-1.4
Δ21d
+3.8
Sentiment
49
39% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 74.5 / Value 57.2 / Sentiment 49.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-29. Scenario method

B+
Bull case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$21.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
B-
Bear case
35%
Probability
Target price
$16.50
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-11-06
Market Cap
$157.3M
Beta
0.61
Shares Out
7.12M
P/E (TTM) · Derived
12.6
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 2026-11-06 • Updated nightlySource: Internal modelMethods & Data