Main Street Financial Services Corp
Main Street Financial Services Corp. operates as the holding company for Main Street Bank Corp. that provides personal and business banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, money market, and term certificate accounts, as well as interest-bearing time deposits. It also provides residential mortgage… Read more
Main Street Financial Services Corp (MSWV) - Net Assets
Latest net assets as of December 2025: $128.72 Million USD
Based on the latest financial reports, Main Street Financial Services Corp (MSWV) has net assets worth $128.72 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.50 Billion) and total liabilities ($1.37 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $128.72 Million |
| % of Total Assets | 8.61% |
| Annual Growth Rate | 15.71% |
| 5-Year Change | 162.95% |
| 10-Year Change | 413.02% |
| Growth Volatility | 29.45 |
Main Street Financial Services Corp - Net Assets Trend (2013–2025)
This chart illustrates how Main Street Financial Services Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Main Street Financial Services Corp (2013–2025)
The table below shows the annual net assets of Main Street Financial Services Corp from 2013 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $128.72 Million | +16.35% |
| 2024-12-31 | $110.64 Million | +105.29% |
| 2023-12-31 | $53.89 Million | +12.03% |
| 2022-12-31 | $48.10 Million | -1.73% |
| 2021-12-31 | $48.95 Million | +7.15% |
| 2020-12-31 | $45.68 Million | +7.02% |
| 2019-12-31 | $42.69 Million | +9.93% |
| 2018-12-31 | $38.83 Million | +12.09% |
| 2017-12-31 | $34.64 Million | +38.07% |
| 2014-12-31 | $25.09 Million | +12.28% |
| 2013-12-31 | $22.35 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Main Street Financial Services Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 468.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $69.73 Million | 54.17% |
| Other Components | $58.99 Million | 45.83% |
| Total Equity | $128.72 Million | 100.00% |
Main Street Financial Services Corp Competitors by Market Cap
The table below lists competitors of Main Street Financial Services Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
JITF Infralogistics Limited
NSE:JITFINFRA
|
$33.72 Million |
|
Cedergrenska AB
ST:CEDER
|
$33.72 Million |
|
HARMONYCHAIN AS NK -05
F:7EW
|
$33.73 Million |
|
Kingston Resources Ltd
AU:KSN
|
$33.73 Million |
|
BioXcel Therapeutics Inc
NASDAQ:BTAI
|
$33.68 Million |
|
NEXTSOURCE MAT. DL-001
F:1JWA
|
$33.68 Million |
|
Kartal Yenilenebilir Enerji Uretim AS
IS:KARYE
|
$33.67 Million |
|
Eternit S.A
SA:ETER3
|
$33.67 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Main Street Financial Services Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 110,636,000 to 128,720,000, a change of 18,084,000 (16.3%).
- Net income of 16,749,000 contributed positively to equity growth.
- Other factors increased equity by 1,335,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $16.75 Million | +13.01% |
| Other Changes | $1.33 Million | +1.04% |
| Total Change | $- | 16.35% |
Book Value vs Market Value Analysis
This analysis compares Main Street Financial Services Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.84x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.11x to 0.84x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $12.50 | $13.86 | x |
| 2020-12-31 | $13.39 | $13.86 | x |
| 2021-12-31 | $14.34 | $13.86 | x |
| 2022-12-31 | $13.88 | $13.86 | x |
| 2023-12-31 | $15.51 | $13.86 | x |
| 2024-12-31 | $14.18 | $13.86 | x |
| 2025-12-31 | $16.44 | $13.86 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Main Street Financial Services Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.01%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.78%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 11.62x
- Recent ROE (13.01%) is above the historical average (11.22%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 12.01% | 24.23% | 0.04x | 13.68x | $448.66K |
| 2014 | 13.93% | 27.50% | 0.04x | 13.62x | $985.71K |
| 2017 | 11.70% | 26.55% | 0.03x | 12.74x | $590.01K |
| 2018 | 13.68% | 31.38% | 0.04x | 11.69x | $1.43 Million |
| 2019 | 11.99% | 22.56% | 0.05x | 11.09x | $848.62K |
| 2020 | 9.67% | 20.44% | 0.04x | 11.19x | $-152.66K |
| 2021 | 11.07% | 25.14% | 0.04x | 12.41x | $525.96K |
| 2022 | 11.57% | 24.42% | 0.04x | 12.55x | $753.89K |
| 2023 | 10.54% | 21.46% | 0.04x | 11.22x | $292.34K |
| 2024 | 4.25% | 12.77% | 0.03x | 12.74x | $-6.36 Million |
| 2025 | 13.01% | 30.78% | 0.04x | 11.62x | $3.88 Million |
Industry Comparison
This section compares Main Street Financial Services Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Main Street Financial Services Corp (MSWV) | $128.72 Million | 12.01% | 10.62x | $33.71 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |