MainStreet Bancshares, Inc. — Earnings Quality Grade F
MNSB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 72 days, change +10 days YoY
AR outpaced revenue for 2 consecutive years
Revenue grew 11.4% but CFFO only 0.5%
Expense Quality
No material inventory
CapEx growth -27.9% vs revenue 11.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.95. Profits backed by cash
FCF $0.0B, FCF/NI = 0.68
Accruals ratio = 0.0%. Low accruals
Cash $0.0B covers only 38% of debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
MainStreet Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25