Filing Flows › MainStreet Bancshares (MNSB) › Q2 2025
MainStreet Bancshares (MNSB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
MainStreet Bancshares (MNSB) reported revenue of $35.4M for the second quarter 2025 (Q2 2025), +3% from a year earlier and +4% from the quarter before. Operating margin was 16.0%, net earnings $4.6M (13.0% of revenue).
MainStreet Bancshares, Q2 2025: revenue $35.4M (+3% year over year), operating margin 16.0%, net earnings $4.6M, operating cash flow $1.2M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $35.4M | +4% | +3% |
| Gross profit | $19.9M | +14% | +22% |
| Operating profit | $5.7M | +80% | +98% |
| Net earnings | $4.6M | +87% | +75% |
| Operating cash flow | $1.2M | -18% | +2% |
What changed
Revenue was $35.4M in Q2 2025, up 3% year over year and up 4% from the previous quarter. Core Banking Segment was the largest line at 99% of revenue. Core Banking Segment added $1.2M year over year (up 4%), 108% of the total change. Financial Technology Segment declined 17%.
Gross margin was 56.2%, up 8.4 points from a year earlier. Operating profit was $5.7M, a 16.0% margin (up 7.6 points year over year). Of the extra revenue versus a year earlier, 243% reached operating profit, above the 8% margin then. Operating expenses grew 5% against revenue growth of 3%. The fastest-growing cost line was SG&A (+18%). Net earnings were $4.6M, up 75% year over year. The effective tax rate was 18.8%.
Operating cash flow was $1.2M (up 2% year over year), 26% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $664K of share-based compensation. Working capital and other items used $5.2M. Capital expenditures of $3.8M exceeded it, leaving free cash flow of −$2.6M.
Questions
What was MainStreet Bancshares' revenue in the second quarter 2025?
MainStreet Bancshares (MNSB) reported revenue of $35.4M for the second quarter 2025 (Q2 2025), +3% from a year earlier and +4% from the quarter before.
Was MainStreet Bancshares profitable in the second quarter 2025?
Operating profit was $5.7M (16.0% of revenue) and net earnings $4.6M.