Context. The origin of the ubiquitous small-scale magnetic field observed on the solar surface can be attributed to the presence of a small-scale dynamo (SSD) operating in the sub-surface layers of the Sun. It is expected that a similar process could self-sustain a considerable amount of magnetic energy also in the near-surface layers of cool main-sequence stars other than the Sun. Aims. In this paper the properties of the magnetic field resulting from SSD action operating in the near-surface layers of four cool main-sequence stars and its self-organization into magnetic flux concentrations are investigated numerically. Methods. Three-dimensional radiative magnetohydrodynamic simulations of SSD action in the near-surface layers of four cool main-sequence stars of spectral types K8V, K2V, G2V, and F5V are carried out with the CO5BOLD code. The simulations are set up to have approximately the same Reynolds and magnetic Reynolds numbers, and to disentangle the impact of the effective temperature and the surface gravity on the SSD action from numerical effects. Results. It is found that the SSD growth rates in SI units differ for the four stellar models; the highest and lowest growth rate is for the K2V and F5V model, respectively. This is due to the different turnover times in the four simulations. Even so, the SSD field strengths reached in the saturation phases are similar in all models, with the same amount of kinetic energy converted into magnetic energy. If the magnetic energy that is pumped out from the computational domain across the bottom boundary is partially replenished from outside of the computational domain, we find that the SSD action leads to a sufficient reduction in the convective velocities to reduce the convective horizontal length scales in the convection zone by 5–10%, vanishing towards the optical depth unity level. In this case, strong kilogauss magnetic flux concentrations emerge at the surface, leading to magnetic bright features, which are more numerous and conspicuous for the K2V and G2V models than for the K8V and F5V models. Their vertical magnetic field component on the surface of optical depth unity increases from 1 kG to 1.6 kG with decreasing effective temperature from F5V to K8V. However, more than 90% of the magnetic flux through any of these stellar surfaces has a field strength of less than 1 kG.