Mainstreet Bancshares Pref Share MNSBP 7.5 Perp 09/30/25 | 10-Q: FY2025 Q3 Revenue: USD 18.22 M

Revenue: As of FY2025 Q3, the actual value is USD 18.22 M.

EPS: As of FY2025 Q3, the actual value is USD 0.52.

EBIT: As of FY2025 Q3, the actual value is USD -11.69 M.

Core Banking Segment

Revenue

• Interest income from loans: $30.5 million for the three months ended September 30, 2025.
• Interest income from investments and other sources: $1.8 million for the three months ended September 30, 2025.
• Service charge income: $355,000 for the three months ended September 30, 2025.
• Other non-interest income: $565,000 for the three months ended September 30, 2025.

Operational Metrics

• Gross profit: $17.8 million for the three months ended September 30, 2025.
• Recovery of credit losses: $144,000 for the three months ended September 30, 2025.
• Salaries and employee benefits: $7.1 million for the three months ended September 30, 2025.
• Total non-interest expense: $12.0 million for the three months ended September 30, 2025.
• Segment profit: $5.8 million for the three months ended September 30, 2025.

Cash Flow

• Operating cash flow: $8.2 million for the nine months ended September 30, 2025.
• Free cash flow: - $104.5 million for the nine months ended September 30, 2025.

Financial Technology Segment

Revenue

• Interest income from loans: $185,000 for the three months ended September 30, 2025.
• Service charge income: $202,000 for the three months ended September 30, 2025.

Operational Metrics

• Gross profit: $376,000 for the three months ended September 30, 2025.
• Salaries and employee benefits: $222,000 for the three months ended September 30, 2025.
• Total non-interest expense: $764,000 for the three months ended September 30, 2025.
• Segment loss: - $388,000 for the three months ended September 30, 2025.

Consolidated Metrics

Revenue

• Total interest income: $32.5 million for the three months ended September 30, 2025.
• Total service charge income: $557,000 for the three months ended September 30, 2025.
• Total other non-interest income: $565,000 for the three months ended September 30, 2025.

Operational Metrics

• Total gross profit: $18.2 million for the three months ended September 30, 2025.
• Total non-interest expense: $12.8 million for the three months ended September 30, 2025.
• Net income: $4.5 million for the three months ended September 30, 2025.

Cash Flow

• Operating cash flow: $8.2 million for the nine months ended September 30, 2025.
• Free cash flow: - $104.5 million for the nine months ended September 30, 2025.

Future Outlook and Strategy

Core Business Focus

• The Company plans to continue focusing on its core banking services, emphasizing personalized and responsive services to clients.
• The Company aims to expand its branch network, with a new branch expected to open in Middleburg, Virginia in 2026.

Non-Core Business

• The Company has pivoted away from certain Banking as a Service (BaaS) services during the three months ended March 31, 2025, incurring nonrecurring costs related to this pivot.