UNITED STATES SECURITIES AND EXCHANGE COMMISSION OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to to Commission file number: 001-38817 MainStreet Bancshares, Inc. (Exact Name of Registrant as Specified in Its Charter) Virginia 81-2871064 (State or Other Jurisdiction of Incorporation or Organization) Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 193 ...

MainStreet Bank (MNSB) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.27 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +20.45%. A quarter ago, it was expected that this company would post earnings of $0.21 per share when it actually produced earnings of $0.25, delivering a surprise of +19.05%.Over the last four quarters, the compan ...

Net Income Climbs on Net Interest Margin Expansion and Strategic Balance Sheet Management Exhibit 99.1 PRESS RELEASE Contact: Billy Freesmeier July 22, 2025 8:00 AM ET Chief of Staff (703) 481-4579 MainStreet Bancshares Inc. Reports Strong Second Quarter Earnings Fairfax, VA., July 22, 2025 – MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, reported a surging net income of $4.6 million and net interest margin of 3.75% for the quarter ended June 30, 2025, ...

Core Insights - MainStreet Bancshares, Inc. reported a net income of $4.6 million for the quarter ended June 30, 2025, an increase of $2.1 million from the previous quarter, driven by a net interest margin expansion to 3.75%, up by 45 basis points [1] - The company's net interest income rose by $2.8 million to $19.3 million, with earnings per common share increasing to $0.53, surpassing market expectations [1] - The loan to deposit ratio remained strong at 99%, indicating effective management of deposits in alignment with loan funding needs [2] Financial Performance - The total assets of MainStreet Bancshares as of June 30, 2025, were $2,114.8 million, a decrease from $2,222.8 million in the previous quarter [7] - Total deposits decreased to $1,798.5 million from $1,908.3 million, reflecting a 5.8% decline [8] - The company maintained a strong capital position with total stockholders' equity of $213.5 million [8] Loan and Deposit Details - The total gross loans amounted to $1,790.9 million, a decrease of 2.4% from the previous quarter [9] - The composition of loans included 18.3% in construction and land development loans, 25.3% in residential real estate loans, and 50.9% in commercial real estate loans [9] - Non-interest bearing deposits accounted for 18.4% of total deposits, while interest-bearing deposits made up the remaining 81.6% [9] Strategic Initiatives - The company has an active share repurchase plan with approximately $3.1 million in available capacity, indicating a commitment to returning value to shareholders [2] - MainStreet Bank continues to focus on enhancing customer experience through robust online and mobile banking solutions [3][4] - The bank's commitment to credit discipline has resulted in a well-managed loan portfolio, contributing to the overall financial performance [2]

MainStreet Bank (MNSB) reached a significant support level, and could be a good pick for investors from a technical perspective. Recently, MNSB's 50-day simple moving average broke out above its 200-day moving average; this is known as a "golden cross."Considered an important signifier for a bullish breakout, a golden cross is a technical chart pattern that's formed when a stock's short-term moving average breaks above a longer-term moving average; the most common crossover involves the 50-day and the 200-d ...

While "the trend is your friend" when it comes to short-term investing or trading, timing entries into the trend is a key determinant of success. And increasing the odds of success by making sure the sustainability of a trend isn't easy.The trend often reverses before exiting the trade, leading to a short-term capital loss for investors. So, for a profitable trade, one should confirm factors such as sound fundamentals, positive earnings estimate revisions, etc. that could keep the momentum in the stock aliv ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to to Commission file number: 001-38817 MainStreet Bancshares, Inc. (Exact Name of Registrant as Specified in Its Charter) Virginia 81-2871064 (State or Other ...

MainStreet Bank (MNSB) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #1 (Strong Buy). An upward trend in earnings estimates -- one of the most powerful forces impacting stock prices -- has triggered this rating change.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.The po ...

Jeff Dick Everyone and thank you for joining our earnings webcast. My name is Jeff Dick and I'm the Chairman and CEO of MainStreet Bancshares Inc and MainStreet Bank. I'm joined here today with our Chief Accountant, Alex Vari; our Chief Lending Officer, Tom Floyd; and our Chief Financial Officer, Tom Chmelik. As you can see, we're off camera today, but everything else is the same. Chris Marinac, Director of Research for Janney Montgomery Scott, will join us at the end of the call today with his questions. I ...

2025 First Quarter April 21, 2025 Investors are cautioned that forward-looking statements, which are not historical fact, involve risks, assumptions and uncertainties that change over time, including those detailed in Form 10-K under the section, "Risk Factors". As such, actual results could differ materially from those expressed or implied by forward-looking statements made in this presentation. Management believes that the expectations in these forward- looking statements are based upon reasonable assumpt ...