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HNVR (53) EBMT (59) BAFN (38) FINW (36) ⌘ Pro Terminal β†’

MainStreet Bancshares Inc. (MNSB) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$22.05 +3.52% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.15

MainStreet Bancshares Inc. (MNSB) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D β€’ SELL / AVOID Cap $151.7M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MNSB Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is MNSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, MainStreet Bancshares Inc. (NASDAQ: MNSB) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $22.05 (+3.52% 1D, market cap $151.7M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MNSB ranks #628 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does MNSB compare to HNVR and EBMT in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), MNSB carries a Roarable D (51/100 RQD), trailing P/E of 9.8x, gross margin of β€”, and ROIC of 7.1%. By comparison, HNVR (Hanover Bancorp Inc.) holds a D+ grade (53/100 RQD, P/E 22.2x, ROIC 3.7%, cap $164.7M) and EBMT (Eagle Bancorp Montana Inc.) posts a C- grade (59/100 RQD, P/E 11.5x, ROIC 7.7%, cap $168.9M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MNSB?
β–Ό

Per MNSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001693577), MainStreet Bancshares Inc. generated $2.2M in revenue (+9.4% YoY), $15.6M in net income, and $10.6M in free cash flow against $2.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $22.15 (+0.44%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 8/20 (D-) β€’ 487% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY β€’ 49.7% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510051
2-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D Β· Rk D+
Cash (8)Whales (4)SEC (13)Macro (10)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-3.1% Base Target
$27 Bull$21 Base$17 Bear
πŸ“¬ FREE MNSB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for MNSB)Realized 20D OHLCV Swing Band: Β±5.8%
Deterministic 5-Pillar Attribution (51/100 Composite)
πŸ” WHY MNSB SCORES 51/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (31% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 5/9

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
59
Grade C$24.85-5.2% Next Q
Q2 (-2Q)
56
Grade C$23.57-10% Next Q
Q3 (-1Q)
54
Grade C-$21.22+3.9% Next Q
Current
51
Grade D$22.05-1.3% Hist 90D Ξ±
Trajectory: C (59) β†’ D (51)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a MNSB Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While MNSB currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($24.42) and Max Pain ($23.15) forces dealer call-delta covering toward $27.16.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MNSBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œMNSB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 51%NO 49%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

MNSB Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (MNSB)

No recent open-market Form 4 cluster sales or emergency dumps flagged on MNSB. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MNSB)

  • βœ“Walkthrough of MNSB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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MNSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.67%πŸ“ HORIZONTAL RANGE
2026-11-03O $21.49H $22.05L $21.30C $22.05VOL 27.7K
RES: $26.33SUP: $20.62SMA50: $24.42SMA200: $23.43
$26.23$24.75$23.27$21.79$20.31RES $26.33SUP $20.62$22.052026-05-042026-06-172026-08-042026-09-172026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MNSB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ MNSB Butterfly Map β†’ + Track MNSB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-1.6%/yr Implied 5Y Growth

vs. +9.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MNSB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for MNSB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MNSB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MNSB)

Financials Rank #628 of 1097 βš”οΈ HNVR vs MNSB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (MNSB vs. HNVR, EBMT, BAFN, FINW)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, MainStreet Bancshares Inc. (MNSB) ranks #628 by composite RQD confidence (51/100, grade D) and #925 by equity capitalization ($151.7M). Within this direct 5-issuer industry benchmark cohort, MNSB leads on earnings valuation at 9.8x trailing P/E, while FINW leads on capital efficiency and profitability with 8.3% ROIC and β€” gross margin. EBMT currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with MNSB at 51/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MNSB ACTIVE
MainStreet Bancshares Inc.
D 51/100 9.8x β€” 7.1% +3.52% $151.7M Benchmark Subject
HNVR
Hanover Bancorp Inc.
D+ 53/100 22.2x β€” 3.7% +0.39% $164.7M /hnvr-vs-mnsb β†’
EBMT
Eagle Bancorp Montana Inc.
C- 59/100 11.5x β€” 7.7% +2.17% $168.9M /ebmt-vs-mnsb β†’
BAFN
BayFirst Financial Corp.
D- 38/100 β€” β€” -30.1% +1.38% $180.2M /bafn-vs-mnsb β†’
FINW
FinWise Bancorp
D- 36/100 11.5x β€” 8.3% +0.46% $183.1M /finw-vs-mnsb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001693577 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), MainStreet Bancshares Inc. (MNSB) reported GAAP revenue of $2.2M (+9.4% vs. FY2024 revenue of $2.0M , and +1.6% cumulative change since FY2023) , GAAP net income of $15.6M, operating cash flow of $14.8M, and free cash flow of $10.6M (-23.1% YoY). On the balance sheet, MNSB closed FY2025 with $2.21B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.2M $15.6M $14.8M $10.6M $2.21B β€”
FY2024 (FY) 2024-12-31 $2.0M -$12.1M $14.7M $13.8M $2.23B β€”
FY2023 (FY) 2023-12-31 $2.1M $24.4M $31.6M $31.6M β€” β€”

3. MNSB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MNSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, MainStreet Bancshares Inc. (NASDAQ: MNSB) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $22.05 (+3.52% 1D, market cap $151.7M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MNSB ranks #628 in composite RQD confidence.

How does MNSB compare to HNVR and EBMT in the Financials sector?

Within the Financials sector (Major Banks), MNSB carries a Roarable D (51/100 RQD), trailing P/E of 9.8x, gross margin of β€”, and ROIC of 7.1%. By comparison, HNVR (Hanover Bancorp Inc.) holds a D+ grade (53/100 RQD, P/E 22.2x, ROIC 3.7%, cap $164.7M) and EBMT (Eagle Bancorp Montana Inc.) posts a C- grade (59/100 RQD, P/E 11.5x, ROIC 7.7%, cap $168.9M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MNSB?

Per MNSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001693577), MainStreet Bancshares Inc. generated $2.2M in revenue (+9.4% YoY), $15.6M in net income, and $10.6M in free cash flow against $2.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MNSB trading relative to its 50-day, 200-day, and 52-week technical levels?

MNSB last traded at $22.05 (+3.52% on volume of 19,469 shares), positioning the stock -9.71% below its 50-day simple moving average ($24.42) and -5.89% below its 200-day simple moving average ($23.43). Across its 52-week range of $17.86 to $25.87, MNSB sits at the 52.3% percentile with a 14-day RSI of 27.0 (OVERSOLD (<32)) and an implied next-earnings move of Β±5.8% ($20.77 to $23.33).

Direct Sub-Reports: MNSB RQD Cockpit MNSB 12M Forecast MNSB Earnings & Move MNSB Dividends & DRIP MNSB Insiders & 13F MNSB Whale Options MNSB Profit Sankey MNSB News & Why
ROARABLE RATING BRIEF β€’ RQD 51/100 (D) βœ“ SEC XBRL & RQD VERIFIED

MNSB β€” MainStreet Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

MainStreet Bancshares Inc. (MNSB) earns a live Roarable RQD composite score of 51/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $22.05 (+3.52% 1D, market capitalization $151.7M).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of 7.1%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 6.95%.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. Market capitalization is listed as $0.2B in the profile and $153.0M in market data. β€” for further business detail.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), MainStreet Bancshares Inc. (MNSB) reported $2.2M in annual revenue (up from $2.0M in FY2024, +9.4% YoY) and $15.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.1M revenue, $24.4M net income) through FY2025, MNSB scaled operating cash flow to $14.8M and free cash flow to $10.6M, backed by $2.21B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D β€’ RQD 51/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.95% and institutional whale pillar of 4/20. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $17.86 – $25.87 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 9.8x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The profile places the company in Major Banks; no sector correlations are quantified in the source data.

  • Key Question #1: Can MNSB sustain or expand its β€” operating margin and 7.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.2M and free cash flow of $10.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MNSB's 9.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MNSB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for MainStreet Bancshares Inc. (MNSB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to MNSB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MNSB Bull vs. Bear Conversation Board β€” What's Your Call at $22.05?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MNSB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MNSB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER β€’ Cross-Asset Macro Desk πŸ‚ BULLISH 🎯 Target: $24.49 (+15.0%)
πŸ“Œ Pinned Debate

Insider Conviction scores 16 of 20 on SEC Form 4 and Congressional PTR cluster flow, the strongest pillar in the RQD rating.

Insider Conviction scores 16 of 20 on SEC Form 4 and Congressional PTR cluster flow, the strongest pillar in the RQD rating.. When you look under the hood at MNSB, Fundamental Cash Engine is 8/20 with 0.0% gross margins and 7.1% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (4/20) has been quietly accumulating below $25.87. My 12M target is $24.49.

EarningsSniper πŸ‚ BULL

Both sides have a point here β€” MNSB's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SK SkepticalCFA RQD DEBATE OPENER β€’ Fundamental Contrarian 🐻 BEARISH 🎯 Target: $16.61 (-22.0%)
Spot @ $21.30

Fundamental Cash Engine scores 8 of 20 with ROIC at 7.1% and FCF of $10.6M in FY 2025, down from $31.6M in FY 2023.

Careful chasing MNSB at $21.30. Fundamental Cash Engine scores 8 of 20 with ROIC at 7.1% and FCF of $10.6M in FY 2025, down from $31.6M in FY 2023.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $16.61 on multiple compression.

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