Filing Flows › MainStreet Bancshares (MNSB) › Q4 2025
MainStreet Bancshares (MNSB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 13, 2026
MainStreet Bancshares (MNSB) reported revenue of $32.8M for the fourth quarter 2025 (Q4 2025), -9% from a year earlier and -2% from the quarter before. Operating margin was 14.9%, net earnings $4.1M (12.4% of revenue).
MainStreet Bancshares, Q4 2025: revenue $32.8M (-9% year over year), operating margin 14.9%, net earnings $4.1M, operating cash flow $6.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $32.8M | -2% | -9% |
| Gross profit | $18.0M | -1% | +7% |
| Operating profit | $4.9M | -10% | — |
| Net earnings | $4.1M | -10% | — |
| Operating cash flow | $6.6M | +18% | +21% |
| Free cash flow | $6.4M | +18% | +19% |
What changed
Revenue was $32.8M in Q4 2025, down 9% year over year and down 2% from the previous quarter.
Gross margin was 55.0%, up 8.2 points from Q4 2024. Operating profit was $4.9M, a 14.9% margin (up 73.3 points year over year). Operating expenses fell 65% while revenue fell 9%. Net earnings were $4.1M. The effective tax rate was 17.1%.
Operating cash flow was $6.6M (up 21% year over year), 162% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $701K of share-based compensation. Working capital and other items added $722K. Capital expenditures of $159K left free cash flow of $6.4M.
Questions
What was MainStreet Bancshares' revenue in the fourth quarter 2025?
MainStreet Bancshares (MNSB) reported revenue of $32.8M for the fourth quarter 2025 (Q4 2025), -9% from a year earlier and -2% from the quarter before.
Was MainStreet Bancshares profitable in the fourth quarter 2025?
Operating profit was $4.9M (14.9% of revenue) and net earnings $4.1M.