<span item_type="fundamental" item_id="bad235351d89076f6d72b09f90fb03d7" counter_id="ST/US/MNSBP" env="prod"></span><span item_type="announcement" item_id="580162575001454337" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 18.22 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.52.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -11.69 M.</p><p></p><h3>Core Banking Segment</h3><h4>Revenue</h4><ul><li>Interest income from loans: $30.5 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Interest income from investments and other sources: $1.8 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Service charge income: $355,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Other non-interest income: $565,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li>Gross profit: $17.8 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Recovery of credit losses: $144,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Salaries and employee benefits: $7.1 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Total non-interest expense: $12.0 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Segment profit: $5.8 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h4>Cash Flow</h4><ul><li>Operating cash flow: $8.2 million for the nine months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Free cash flow: - $104.5 million for the nine months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h3>Financial Technology Segment</h3><h4>Revenue</h4><ul><li>Interest income from loans: $185,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Service charge income: $202,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li>Gross profit: $376,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Salaries and employee benefits: $222,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Total non-interest expense: $764,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Segment loss: - $388,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h3>Consolidated Metrics</h3><h4>Revenue</h4><ul><li>Total interest income: $32.5 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Total service charge income: $557,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Total other non-interest income: $565,000 for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li>Total gross profit: $18.2 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Total non-interest expense: $12.8 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Net income: $4.5 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h4>Cash Flow</h4><ul><li>Operating cash flow: $8.2 million for the nine months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>Free cash flow: - $104.5 million for the nine months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><ul><li>The Company plans to continue focusing on its core banking services, emphasizing personalized and responsive services to clients.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li><li>The Company aims to expand its branch network, with a new branch expected to open in Middleburg, Virginia in 2026.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul><h4>Non-Core Business</h4><ul><li>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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1693577/000143774925033742/main20251107_10q.htm"></span></li></ul>

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