Filing Flows › MainStreet Bancshares (MNSB) › Q3 2025
MainStreet Bancshares (MNSB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
MainStreet Bancshares (MNSB) reported revenue of $33.6M for the third quarter 2025 (Q3 2025), -3% from a year earlier and -5% from the quarter before. Operating margin was 16.1%, net earnings $4.5M (13.4% of revenue).
MainStreet Bancshares, Q3 2025: revenue $33.6M (-3% year over year), operating margin 16.1%, net earnings $4.5M, operating cash flow $5.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $33.6M | -5% | -3% |
| Gross profit | $18.2M | -8% | +12% |
| Operating profit | $5.4M | -4% | 56× |
| Net earnings | $4.5M | -2% | 17× |
| Operating cash flow | $5.6M | +368% | +25% |
| Free cash flow | $5.5M | — | +27% |
What changed
Revenue was $33.6M in Q3 2025, down 3% year over year and down 5% from the previous quarter. Core Banking Segment was the largest line at 99% of revenue. Core Banking Segment lost $752K year over year (down 2%), 84% of the total change.
Gross margin was 54.3%, up 7.2 points from a year earlier. Operating profit was $5.4M, a 16.1% margin (up 15.8 points year over year). Operating expenses fell 21% while revenue fell 3%. The fastest-growing cost line was SG&A (+20%). Net earnings were $4.5M, up 1605% year over year. The effective tax rate was 16.6%.
Operating cash flow was $5.6M (up 25% year over year), 124% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $642K of share-based compensation. Working capital and other items used $673K. Capital expenditures of $138K left free cash flow of $5.5M.
Questions
What was MainStreet Bancshares' revenue in the third quarter 2025?
MainStreet Bancshares (MNSB) reported revenue of $33.6M for the third quarter 2025 (Q3 2025), -3% from a year earlier and -5% from the quarter before.
Was MainStreet Bancshares profitable in the third quarter 2025?
Operating profit was $5.4M (16.1% of revenue) and net earnings $4.5M.