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MainStreet Bancshares, Inc. MNSBP Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans

Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans at other companies

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$1.7B+88.9%

Other financials

Income statement

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Revenue$573.0K-98.3%
Net income$4.1M+67.1%
EPS (diluted)$0.64

Balance sheet

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Cash & equivalents$33.0M+79.7%
Total debt$5.9M-8.3%
Total equity$215.0M+2.6%
Total assets$2.2B0.0%

Cash flow

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Operating cash flow$6.6M+355%
CapEx$101.0K+83.6%
Free cash flow$6.5M+366%

Valuation

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Market cap$175.72M+22.1%
P/E10.2×
P/S1.7×+1.0×

Profitability

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Net margin16.9%+13.3pp
FCF margin15.4%+8.3pp

Returns & leverage

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Return on equity8.1%+5.9pp
Debt / equity0.0×

Where this comes from

Reported directly by MainStreet Bancshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableDeferredIncome.

The official record: MainStreet Bancshares, Inc.’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is MainStreet Bancshares, Inc.'s unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
MainStreet Bancshares, Inc. (MNSBP) reported unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans of $4.03M in Q1 2026.
How has MainStreet Bancshares, Inc.'s unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans changed year-over-year?
MainStreet Bancshares, Inc.'s unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans decreased by 15.2% year-over-year, from $4.75M to $4.03M.
What is the long-term trend for MainStreet Bancshares, Inc.'s unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
Over 4 years (2021 to 2025), MainStreet Bancshares, Inc.'s unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans has grown at a -6.6% compound annual growth rate (CAGR), from $5.48M to $4.17M.
What does unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans mean?
The net balance of unearned income, unamortized deferred fees, and costs associated with loan originations, as well as premiums or discounts on purchased loans. This metric represents adjustments to the carrying value of loans that are recognized in interest income over the life of the loan. It is essential for understanding the true yield and effective interest rate of the loan portfolio.