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MainStreet Bancshares (MNSB) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 7, 2026 · MainStreet Bancshares (MNSB) Q2 2026 earnings results →
Q2 2026 Revenue down 46% year over year to $19.1M · 24¢ of every $1 of revenue kept as net profit · operating margin 31.5%
MainStreet Bancshares made $19.1M in Q2 2026 (-46% Y/Y). Operating margin 31.5%, net earnings $4.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 7, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $19.1M in Q2 2026, down 46% year over year and up 7% from the previous quarter.
Operating profit was $6.0M, a 31.5% margin (up 15.5 points year over year). Net earnings were $4.7M, up 2% year over year. The effective tax rate was 22.5%.
Operating cash flow was $4.9M (up 314% year over year), 106% of net earnings. Non-cash charges added back $1.2M of depreciation and amortization and $614K of share-based compensation. Working capital and other items used $1.6M. Capital expenditures of $96K left free cash flow of $4.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 7, 2026 | $19.1M | -46% | 31.5% | $4.7M | $4.9M |
| Q1 2026 | 10-Q | May 8, 2026 | $17.9M | -47% | 29.9% | $4.1M | $6.6M |
| Q4 2025 | 10-K | Mar 13, 2026 | $32.8M | -9% | 14.9% | $4.1M | $6.6M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $33.6M | -3% | 16.1% | $4.5M | $5.6M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $35.4M | +3% | 16.0% | $4.6M | $1.2M |
| Q1 2025 | 10-Q | May 9, 2025 | $33.9M | +2% | 9.2% | $2.5M | $1.5M |
| Q4 2024 | 10-K | Mar 14, 2025 | $35.9M | +99% | -58.4% | −$16.2M | $5.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About MainStreet Bancshares
As used herein, the “Company,” “we,” “our,” and “us” refer to MainStreet Bancshares, Inc., and the “Bank” refers to MainStreet Bank. MainStreet Bancshares, Inc. is a financial holding company that owns 100% of MainStreet Bank and MainStreet Community Capital, LLC. On October 12, 2021, the Company filed an election to be a financial holding company with the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Company elected financial holding company status in order to engage in a broader range of financial activities than are permitted for bank holding companies generally. We emphasize providing responsive and personalized services to our clients. Due to the consolidation of financial institutions in our primary market area, we believe there is a significant opportunity for a local bank to provide a full range of financial services.
In its own words, from its 10-K, filed Mar 13, 2026.
MainStreet Bancshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -46% against the peers' median +10%. Operating margin: 31.5% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| MNSB MainStreet Bancshares | Q2 2026 | $19.1M | -46% | 31.5% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: MainStreet Bancshares 10-Q on SEC EDGAR · CIK 1693577 · State Commercial Banks
13F: who owns MNSB and who is buying
More on MNSB
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results