MainStreet Bancshares, Inc. cash flow to debt ratio of 21.18% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

MainStreet Bancshares, Inc.'s free cash flow has increased 18.84% from $8.95M last year to $10.64M, signaling increasing performance

MainStreet Bancshares, Inc.'s debt to equity ratio is 0.33, which means that the company's assets are healthy financed, signaling financial stability.

MainStreet Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.35 last year to 0.33 today, signaling strengthened financials

MainStreet Bancshares, Inc. has a net debt to EBITDA ratio of 1.79x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

MainStreet Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

MainStreet Bancshares, Inc.'s profit margin has increased (-283.08%) in the last year from -7.24% to 13.25%, signaling increasing performance

MainStreet Bancshares, Inc.'s short-term liabilities of $1.90B exceed its short-term assets of $41.37M, signaling financial risk

MainStreet Bancshares, Inc.'s return on assets of 0.77% is lower than the 5.00% threshold, indicating inefficient asset utilization

MainStreet Bancshares, Inc.'s return on equity of 8.00%, is lower than 15.00%, indicating bad performance

MainStreet Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

MainStreet Bancshares, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

MainStreet Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

MainStreet Bancshares, Inc. has a free cash flow yield of 6.20%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

MainStreet Bancshares, Inc.'s yearly earnings has increased -256.44% since last year from $-9.98M to $15.61M, signaling increasing performance

MainStreet Bancshares, Inc.'s yearly revenue has decreased 1.44% since last year from $137.87M to $135.89M, signaling decreasing performance

ROIC 5.58% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

MainStreet Bancshares, Inc.'s 3-year revenue CAGR of 15.29% is positive, indicating growing revenue over the past 3 years

MainStreet Bancshares, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

MainStreet Bancshares, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

MainStreet Bancshares, Inc. is overvalued relative to its fair value price of 6.08 based on Discounted Cash Flow model

MainStreet Bancshares, Inc. has an earnings yield of 9.81%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

MainStreet Bancshares, Inc. is overvalued relative to its fair value price of 12.07 based on EBITDA multiple model

MainStreet Bancshares, Inc. has an EV/EBITDA ratio of 8.93x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

MainStreet Bancshares, Inc. is undervalued relative to its fair value price of 89.91 based on Earnings Fair Value model

MainStreet Bancshares, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

MainStreet Bancshares, Inc. has a price-to-book ratio of 0.82x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

MainStreet Bancshares, Inc. has a price-to-sales ratio of 1.35x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue