Filing Flows › MainStreet Bancshares (MNSB) › Q3 2026
MainStreet Bancshares (MNSB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
MainStreet Bancshares (MNSB) reported revenue of $19.4M for the third quarter 2026 (Q3 2026), -42% from a year earlier and +2% from the quarter before. Operating margin was 23.9%, net earnings $3.6M (18.5% of revenue).
MainStreet Bancshares, Q3 2026: revenue $19.4M (-42% year over year), operating margin 23.9%, net earnings $3.6M, operating cash flow $5.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $19.4M | +2% | -42% |
| Operating profit | $4.6M | -23% | -14% |
| Net earnings | $3.6M | -23% | -20% |
| Operating cash flow | $5.9M | +20% | +6% |
| Free cash flow | $5.8M | +20% | +6% |
What changed
Revenue was $19.4M in Q3 2026, down 42% year over year and up 2% from the previous quarter. Net interest income was the largest line at 97% of revenue.
Operating profit was $4.6M, a 23.9% margin (up 7.7 points year over year). Net earnings were $3.6M, down 20% year over year. The effective tax rate was 22.4%.
Operating cash flow was $5.9M (up 6% year over year), 164% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $676K of share-based compensation. Working capital and other items added $532K. Capital expenditures of $126K left free cash flow of $5.8M.
Questions
What was MainStreet Bancshares' revenue in the third quarter 2026?
MainStreet Bancshares (MNSB) reported revenue of $19.4M for the third quarter 2026 (Q3 2026), -42% from a year earlier and +2% from the quarter before.
Was MainStreet Bancshares profitable in the third quarter 2026?
Operating profit was $4.6M (23.9% of revenue) and net earnings $3.6M.