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MainStreet Bancshares cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$4.8M in Q2 2026 · $23.2M over twelve months

Operating cash flow$4.9M
Capital spending−$96K
Free cash flow+$4.8M
Cash / net income1.1×

Analysis

In Q2 2026, MainStreet Bancshares generated $4.9M of operating cash flow and spent $96K on capital projects, leaving free cash flow of $4.8M. That is $7.5M more than in Q2 2025 (−$2.6M).

Over the twelve months to Jun 30, 2026, operating cash flow was $23.7M; the largest uses were other investing ($161M), buybacks ($15.0M), dividends ($3.0M); besides operations, cash came from other financing ($131M), asset & business sales ($109K); the cash balance fell by $24.0M.

Operating cash flow was $4.9M against net income of $4.7M — 1.1× profit, roughly in line with earnings. The largest differences: prepaid and other assets −$1.3M, depreciation & amortization +$1.2M, stock-based pay +$614K.

Free cash flow

MainStreet Bancshares: free cash flow by quarterMainStreet Bancshares: free cash flow by quarter$4.3MQ3 2024$5.4MQ4 2024$1.4MQ1 2025−$2.6MQ2 2025$5.5MQ3 2025$6.4MQ4 2025$6.5MQ1 2026$4.8MQ2 2026
Operating cash flow less capital spending.
MainStreet Bancshares: operating cash flow against capital spendingMainStreet Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$4.5M$161KQ3 2024$5.5M$39KQ4 2024$1.5M$55KQ1 2025$1.2M$3.8MQ2 2025$5.6M$138KQ3 2025$6.6M$159KQ4 2025$6.6M$101KQ1 2026$4.9M$96KQ2 2026
Latest (Q2 2026): Operating cash flow $4.9M, Capital spending $96K.

Capital allocation, year by year

MainStreet Bancshares: where the cash came from (up) and went (down), by fiscal yearMainStreet Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $29.1MFY2021: Asset sales $79KFY2021: Capital spending −$1.8M$29.2MFY2021FY2022: Operating cash flow $33.5MFY2022: Capital spending −$1.1MFY2022: Buybacks −$6.9MFY2022: Dividends −$1.9M$33.5MFY2022FY2023: Operating cash flow $31.6MFY2023: Asset sales $129KFY2023: Capital spending −$497KFY2023: Buybacks −$43KFY2023: Dividends −$3.0M$31.8MFY2023FY2024: Operating cash flow $14.7MFY2024: Asset sales $195KFY2024: Capital spending −$909KFY2024: Buybacks −$732KFY2024: Dividends −$3.0M$14.9MFY2024FY2025: Operating cash flow $14.8MFY2025: Asset sales $53KFY2025: Capital spending −$4.2MFY2025: Buybacks −$4.3MFY2025: Dividends −$3.0M$14.9MFY2025
Over these 5 years operating cash flow totalled $124M; the largest uses were buybacks ($12.0M) and dividends ($11.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$0
Debtnone
Net cash$0

MainStreet Bancshares funds itself: free cash flow was $23.2M over the last twelve months, with $0 of cash and investments and no debt on the balance sheet.

Where the cash came from and went

MainStreet Bancshares: sources (+) and uses (−) of cash, Q2 2026MainStreet Bancshares: sources (+) and uses (−) of cash, Q2 2026Other investing−$77.0MCash drawn (+) / kept (−)$58.8MOther financing$19.0MBuybacks−$5.0MOperating cash flow$4.9MDividends−$712KCapital spending−$96KTaxes on employees’ shares−$5K
MainStreet Bancshares: sources (+) and uses (−) of cash, TTM to Q2 2026MainStreet Bancshares: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing−$161MOther financing$131MCash drawn (+) / kept (−)$24.0MOperating cash flow$23.7MBuybacks−$15.0MDividends−$3.0MCapital spending−$494KAsset & business sales$109K

From profit to cash

MainStreet Bancshares: net income to operating cash flow, Q2 2026MainStreet Bancshares: net income to operating cash flow, Q2 2026Net income$4.7MDepreciation & amortization$1.2MStock-based pay$614KDeferred taxes$30KGains on disposals$2KPrepaid and other assets−$1.3MOther liabilities$353KOperating cash flow$4.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q2 2026$4.9M−$96K−$5.0M−$712K$58.8M$4.8M
Q1 2026$6.6M−$101K−$6.1M−$758K−$5.4M$6.5M
Q4 2025$6.6M−$159K−$3.9M−$750K−$35.5M$6.4M
Q3 2025$5.6M−$138K—−$770K$6.0M$5.5M
Q2 2025$1.2M−$3.8M—−$771K$69.4M−$2.6M
Q1 2025$1.5M−$55K−$446K−$759K$5.1M$1.4M
Q4 2024$5.5M−$39K−$13K−$760K$24.4M$5.4M
Q3 2024$4.5M−$161K—−$760K−$141M$4.3M

MainStreet Bancshares: income statement and cash flow

MainStreet Bancshares, Q2 2026: revenue $19.1M (-46% year over year), operating margin 31.5%. The chart follows the revenue to costs, profit and cash.

MainStreet Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.