All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2021-11-03.
From the record
MainStreet Bancshares, Inc.'s filings since 2017 show 1 warning event: a debt default or acceleration notice (8-K item 2.04, the latest 2021-11-03) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+17% a year over 8 filed years; profitable in 7 of 8.
From the record
MainStreet Bancshares, Inc.'s 8 filed years say what it did: revenue went from $44 million in fiscal 2018 to $132 million in fiscal 2025, up 17% a year; it rose in 6 of 7 years; the deepest fall was 2% from fiscal 2024 to fiscal 2025; net income was positive in 7 of 8 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.5% a year. 23% of cash flow returned. Insiders: 7 sales, 5 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, MainStreet Bancshares, Inc.'s diluted share count grew about 0.5% a year, and dividends and buybacks returned about 23% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales and 5 purchases of their own stock on the open market in the year to 2026-10-02, buying about $16 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 7%: 7¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, MainStreet Bancshares, Inc. earned about 7 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 3 cents per dollar of everything the company owns. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 0.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 25% of 155 in its family; net margin 11.9%.
From the record
MainStreet Bancshares, Inc.'s standing among 155 graded names in its industry family: revenue of $132 million in fiscal 2025 ranks in the bottom 21% by size; a net margin of 11.9% ranks in the bottom 12%; revenue growth of 16.1% a year over the last 3 filed years ranks in the bottom 43% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 35% of 150 in its family for leadership; chief executive since 2019.
From the record
MainStreet Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Dick, Jeff W (Chairman, President and CEO, as filed), filing under that title since 2019-04-29, 7.5 years (bottom 48% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 7.1 years (bottom 47%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (bottom 11%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 30% of 142 in its family for room to expand.
From the record
MainStreet Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash from operations less capital spending is 8.1% of revenue (bottom 10%); a gross margin of 55.9% (top 50%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 42% of 152 in its family for growth drivers.
From the record
MainStreet Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16.1% a year over the last three filed years against 17% over all 8, slowing (bottom 20% of its family); the newest year grew -2.3% (bottom 15%); capital spending grew 54.8% a year (top 11%) (its annual reports). MainStreet Bancshares, Inc. reported 2 lines of business in fiscal 2025: Core Banking at $2 million, Financial Technology at $621 thousand. 1 of 2 grew in the latest filed year, and the largest line is 72% of revenue (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 36% of 150 in its family for expectations against reality.
From the record
MainStreet Bancshares, Inc.'s newest year against its own record: revenue of $132 million in fiscal 2025 came in 22.8% below the $170 million its prior three years' pace pointed to (bottom 18% of its family); net income of $16 million against a prior three-year average of $14 million (bottom 41%); a net margin of 11.9% against 15.2% before (bottom 48%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made