Demonstrações financeiras detalhadas de MainStreet Bancshares, Inc. (MNSB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
MainStreet Bancshares, Inc. registou receitas de $135.9M no último exercício, com um CAGR de 5 anos de 14.3%. O lucro líquido atingiu $15.6M, com CAGR de 5 anos de -0.1%.
Margens dos últimos 12 meses: margem bruta 55.2%, margem operacional 16.7%, margem líquida 13.3%. O fluxo de caixa livre cresceu a CAGR de -7.5% em 5 anos.
Ao preço atual de $24.99, MNSB negocia a um P/L de 12.42 e um ROE de 8.00%. A capitalização de mercado é de $178M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $23.1M | $29.2M | $47.1M | $63.7M | $69.5M | $70.3M | $88.7M | $127.8M | $137.9M | $135.9M |
| Custo da Receita | $3.7M | $7.4M | $15.8M | $21.0M | $19.7M | $9.5M | $15.8M | $49.3M | $78.8M | $62.0M |
| Lucro Bruto | $19.4M | $21.8M | $31.3M | $42.7M | $49.8M | $60.8M | $72.9M | $78.4M | $59.1M | $73.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $9.8M | $10.3M | $14.6M | $19.1M | $22.2M | $22.6M | $27.6M | $32.7M | $34.9M | $36.8M |
| Despesas Operacionais | $13.9M | $15.6M | $20.0M | $25.4M | $30.3M | $32.9M | $39.5M | $45.6M | $73.0M | $54.8M |
| Lucro Operacional | $5.5M | $6.2M | $11.3M | $17.3M | $19.6M | $28.0M | $33.4M | $32.8M | -$13.9M | $19.1M |
| EBITDA | $6.6M | $7.5M | $13.0M | $19.1M | $21.7M | $30.3M | $36.0M | $35.6M | -$9.3M | $24.0M |
| Despesas com Juros | $3.1M | $5.5M | $12.7M | $19.4M | $16.1M | $10.7M | $13.4M | $47.7M | $72.0M | $62.0M |
| Lucro Antes de Impostos | $5.5M | $6.2M | $11.3M | $17.3M | $19.6M | $28.0M | $33.4M | $32.8M | -$13.9M | $19.1M |
| Imposto | $1.6M | $2.3M | $2.1M | $3.4M | $3.8M | $5.8M | $6.7M | $6.2M | -$3.9M | $3.5M |
| Lucro Líquido | $3.9M | $3.9M | $9.2M | $13.9M | $15.7M | $22.2M | $26.7M | $26.6M | -$10.0M | $15.6M |
| LPA | $0.87 | $0.81 | $1.38 | $1.69 | $1.85 | $2.65 | $3.26 | $3.25 | $-1.60 | $1.76 |
| LPA Diluído | $0.87 | $0.81 | $1.38 | $1.69 | $1.85 | $2.65 | $3.26 | $3.25 | $-1.60 | $1.76 |
| Ações em Circulação (Diluídas) | $4.5M | $4.8M | $6.7M | $8.3M | $8.1M | $7.6M | $7.5M | $7.5M | $7.6M | $7.7M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $33.4M | $32.8M | $31.6M | $33.0M |
| Lucro Bruto | $17.9M | $17.7M | $18.0M | $18.5M |
| Lucro Operacional | $5.4M | $4.9M | $5.4M | $6.2M |
| EBITDA | $6.6M | $6.2M | $6.4M | $6.2M |
| Lucro Líquido | $4.5M | $4.1M | $4.1M | $4.7M |
| LPA | $0.52 | $0.46 | $0.48 | $0.57 |
| LPA Diluído | $0.52 | $0.46 | $0.48 | $0.57 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $17.3M | $37.5M | $27.9M | $53.4M | $75.9M | $61.8M | $48.9M | $53.6M | $47.6M | $26.5M |
| Investimentos de Curto Prazo | $36.4M | $51.3M | $56.0M | $92.8M | $147.4M | $99.9M | $62.6M | $59.9M | $1.4M | $399000 |
| Contas a Receber | $2.3M | $3.8M | $5.1M | $5.4M | $9.6M | $7.7M | $9.6M | $12.4M | $11.3M | $14.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $55.9M | $92.7M | $89.0M | $151.6M | $233.0M | $169.4M | $121.1M | $125.9M | $60.2M | $41.4M |
| Imobilizado | $12.3M | $14.0M | $14.2M | $14.2M | $14.3M | $14.9M | $14.7M | $13.9M | $13.3M | $13.5M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | $2.5M | $9.1M | $14.7M | 0 | 0 |
| Ativos Totais | $575.7M | $808.0M | $1.10B | $1.28B | $1.64B | $1.65B | $1.93B | $2.04B | $2.23B | $2.21B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $15.0M | 0 | 0 |
| Passivos Circulantes | $473.6M | $667.7M | $920.1M | $1.07B | $1.44B | $1.41B | $1.51B | $1.70B | $1.91B | $1.90B |
| Dívida de Longo Prazo | $54.2M | $68.5M | $54.8M | $54.8M | $14.8M | $29.3M | $172.2M | $72.6M | $73.0M | $69.9M |
| Passivos Totais | $529.3M | $739.1M | $979.4M | $1.14B | $1.48B | $1.46B | $1.73B | $1.81B | $2.02B | $1.99B |
| Reservas | $7.8M | $11.7M | $15.2M | $29.1M | $44.2M | $64.2M | $86.8M | $106.5M | $91.2M | $101.6M |
| Patrimônio Líquido | $46.4M | $68.8M | $121.3M | $137.0M | $167.7M | $188.8M | $198.3M | $221.5M | $208.0M | $218.6M |
| Dívida Total | $54.2M | $68.5M | $54.8M | $54.8M | $14.8M | $29.3M | $172.2M | $87.6M | $73.0M | $69.9M |
| Dívida Líquida | $583000 | -$20.3M | -$29.1M | -$91.4M | -$208.5M | -$132.4M | $60.7M | -$25.9M | $24.1M | $43.1M |
| Capital de Giro | -$417.7M | -$575.0M | -$831.1M | -$920.0M | -$1.21B | -$1.24B | -$1.39B | -$1.58B | -$1.85B | -$1.86B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $25.3M | $26.5M | $168.1M | $30.1M |
| Ativos Totais | $2.12B | $2.21B | $2.22B | $2.24B |
| Passivos Totais | $1.91B | $1.99B | $2.01B | $2.03B |
| Patrimônio Líquido | $218.4M | $218.6M | $215.0M | $214.4M |
| Dívida Total | $69.8M | $69.9M | $70.0M | $70.1M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $3.9M | $3.9M | $9.2M | $13.9M | $15.7M | $22.2M | $26.7M | $26.6M | -$10.0M | $15.6M |
| Depreciação e Amortização | $1.1M | $1.3M | $1.7M | $1.8M | $2.1M | $2.4M | $2.6M | $2.7M | $4.6M | $4.9M |
| Compensação em Ações | $450975 | $516977 | $883000 | $1.0M | $1.5M | $1.9M | $2.5M | $2.5M | $2.8M | $2.6M |
| Variação Capital de Giro | $241134 | $514445 | -$971000 | -$745000 | -$3.8M | $5.1M | $710000 | -$1.1M | -$3.9M | -$6.4M |
| Fluxo de Caixa Operacional | $5.9M | $6.7M | $12.6M | $16.7M | $17.0M | $29.1M | $33.5M | $31.6M | $14.7M | $14.8M |
| CapEx | -$579211 | -$2.5M | -$1.4M | -$990000 | -$1.3M | -$4.3M | -$7.8M | -$6.0M | -$5.8M | -$4.2M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | -$13.8M | 0 | -$6.9M | -$43000 | -$732000 | -$4.3M |
| Dividendos Pagos | 0 | 0 | 0 | 0 | -$635000 | -$2.2M | -$4.0M | -$5.2M | -$5.2M | -$5.2M |
| Fluxo de Caixa Livre | $5.3M | $4.3M | $11.2M | $15.7M | $15.7M | $24.8M | $25.8M | $25.6M | $9.0M | $10.6M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $5.6M | $6.6M | $6.6M | $4.9M |
| CapEx | -$138000 | -$159000 | -$101000 | -$96000 |
| Fluxo de Caixa Livre | $5.5M | $6.4M | $6.5M | $4.8M |
| Dividendos Pagos | -$1.3M | -$1.3M | -$1.3M | -$1.3M |
| Compensação em Ações | $642000 | $701000 | $599000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +26.3% | +61.3% | +35.3% | +9.2% | +1.1% | +26.1% | +44.1% | +7.9% | -1.4% |
| Crescimento Lucro Líquido (anual) | | +0.2% | +137.2% | +51.5% | +12.7% | +41.1% | +20.3% | -0.3% | -137.5% | +256.4% |
| Crescimento LPA (anual) | | -6.9% | +70.4% | +22.5% | +9.5% | +43.2% | +23.0% | -0.3% | -149.2% | +210.0% |
| Variação de Ações (anual) | | +6.8% | +39.2% | +24.0% | -1.5% | -7.0% | -0.4% | -0.1% | +1.1% | +0.6% |
| Crescimento FCF (anual) | | -20.3% | +163.8% | +40.0% | +0.2% | +57.8% | +3.8% | -0.5% | -65.1% | +18.8% |
| Margem Bruta | 83.9% | 74.8% | 66.5% | 67.0% | 71.7% | 86.5% | 82.2% | 61.4% | 42.8% | 54.4% |
| Margem Operacional | 23.7% | 21.3% | 24.0% | 27.2% | 28.1% | 39.8% | 37.7% | 25.7% | -10.1% | 14.0% |
| Margem EBITDA | 28.5% | 25.8% | 27.6% | 30.0% | 31.2% | 43.1% | 40.6% | 27.8% | -6.7% | 17.7% |
| Margem Líquida | 16.8% | 13.3% | 19.6% | 21.9% | 22.6% | 31.5% | 30.1% | 20.8% | -7.2% | 11.5% |
| Margem FCF | 23.1% | 14.6% | 23.8% | 24.7% | 22.6% | 35.3% | 29.1% | 20.1% | 6.5% | 7.8% |
| Taxa Efetiva de Imposto | 29.1% | 37.6% | 18.5% | 19.4% | 19.6% | 20.7% | 20.1% | 19.0% | 28.2% | 18.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.19 | $0.89 | $1.69 | $1.90 | $1.94 | $3.28 | $3.42 | $3.41 | $1.18 | $1.39 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.08 | $0.29 | $0.54 | $0.69 | $0.68 | $0.68 |
| Ações em Circulação (Básicas) | $4.5M | $4.8M | $6.7M | $8.3M | $8.1M | $7.6M | $7.5M | $7.5M | $7.6M | $7.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 8.00% |
| Retorno sobre capital investido | 5.58% |
| Retorno sobre ativos | 0.77% |
| Margem bruta | 55.21% |
| Margem operacional | 16.68% |
| Margem líquida | 13.25% |
Saúde financeira
| Dívida / Patrimônio | 0.33 |
| Liquidez corrente | 0.02 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.81 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.54 | 20.60 | 12.36 | 13.61 | 9.14 | 9.28 | 8.43 | 7.63 | -11.31 | 11.57 |
| P/VP | 1.30 | 1.16 | 0.94 | 1.38 | 0.82 | 0.98 | 1.04 | 0.84 | 0.66 | 0.71 |
| P/V | 2.62 | 2.73 | 2.41 | 2.98 | 1.98 | 2.64 | 2.33 | 1.46 | 1.00 | 1.15 |
| Margem Bruta | 83.9% | 74.8% | 66.5% | 67.0% | 71.7% | 86.5% | 82.2% | 61.4% | 42.8% | 54.4% |
| Margem Operacional | 23.7% | 21.3% | 24.0% | 27.2% | 28.1% | 39.8% | 37.7% | 25.7% | -10.1% | 14.0% |
| Margem Líquida | 16.8% | 13.3% | 19.6% | 21.9% | 22.6% | 31.5% | 30.1% | 20.8% | -7.2% | 11.5% |