John Marshall Bancorp Inc (JMSB)
NASDAQ:JMSB
Want to see JMSB full AI Analyst Report?
Top Page
John Marshall Bancorp
(NASDAQ:JMSB)
Select Model
Select Model
Rating:69Neutral
Price Target:
$23.00
▲(9.37% Upside)
Action:DowngradedDate:04/30/26
The score is driven primarily by improving financial performance (accelerating revenue growth, better margins, higher earnings) and a sound balance sheet, tempered by profitability/ROE still below prior peak years and historically volatile cash flow. Technical signals are neutral-to-mildly positive, while valuation appears reasonable with a modest dividend. Corporate events provide incremental support but are not transformative.
Positive Factors
Net Interest Margin Expansion
Eight straight quarters of NIM expansion is a durable improvement to the core earnings engine for a net-interest-income centric bank. Sustained margin expansion increases earned spread on loans and securities, supporting recurring profitability even if fee income fluctuates.
Negative Factors
Sub‑par Return on Equity
ROE remaining materially below prior peak implies the franchise is not yet generating top-tier shareholder returns. Persistently lower return efficiency constrains retained earnings growth and raises pressure on management to improve margins or reprice risk to meet investor return expectations.
Read all positive and negative factors
Positive Factors
Negative Factors
Net Interest Margin Expansion
Eight straight quarters of NIM expansion is a durable improvement to the core earnings engine for a net-interest-income centric bank. Sustained margin expansion increases earned spread on loans and securities, supporting recurring profitability even if fee income fluctuates.
Read all positive factors
John Marshall Bancorp (JMSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$305.02M
Dividend Yield1.48%
Average Volume (3M)17.56K
Price to Earnings (P/E)11.7
Beta (1Y)0.80
Revenue Growth3.75%
EPS Growth27.35%
CountryUS
Employees136
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.43
Shares Outstanding14,213,556
10 Day Avg. Volume16,943
30 Day Avg. Volume17,556
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)1.07
Price to Sales (P/S)2.46
P/FCF Ratio12.88
Enterprise Value/Market Cap1.25
Enterprise Value/Revenue3.31
Enterprise Value/Gross Profit6.26
Enterprise Value/Ebitda13.36
Forecast
1Y Price Target
$24.00Price Target Upside14.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.84
Revenue Forecast (FY)$71.23M
John Marshall Bancorp Business Overview & Revenue Model
Company Description
John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services. The company accepts checking, demand, NOW, savings, and money market accounts, as well as certificates o...
How the Company Makes Money
JMSB makes money primarily through the operations of John Marshall Bank. The core earnings engine is net interest income: the bank collects interest on interest-earning assets (primarily loans such as commercial real estate and other business-rela...
John Marshall Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
67
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 115.33M | 112.40M | 85.83M | 85.76M | 75.84M |
| Gross Profit | 60.95M | 53.69M | 38.80M | 71.94M | 64.52M |
| EBITDA | 28.90M | 23.56M | 9.70M | 41.98M | 34.49M |
| Net Income | 21.23M | 17.12M | 5.16M | 31.80M | 25.46M |
Balance Sheet | |||||
| Total Assets | 2.33B | 2.23B | 2.24B | 2.35B | 2.15B |
| Cash, Cash Equivalents and Short-Term Investments | 135.71M | 143.27M | 269.00M | 419.18M | 345.10M |
| Total Debt | 90.51M | 86.16M | 39.15M | 54.98M | 47.91M |
| Total Liabilities | 2.07B | 1.99B | 2.01B | 2.14B | 1.94B |
| Stockholders Equity | 265.64M | 246.61M | 229.91M | 212.80M | 208.47M |
Cash Flow | |||||
| Free Cash Flow | 22.03M | 16.78M | 17.39M | 33.00M | 32.00M |
| Operating Cash Flow | 22.58M | 17.26M | 18.00M | 33.16M | 32.35M |
| Investing Cash Flow | -88.68M | 30.96M | 144.84M | -270.87M | -303.00M |
| Financing Cash Flow | 73.60M | -24.76M | -125.43M | 193.52M | 237.99M |
John Marshall Bancorp Technical Analysis
Positive
21.03
Price Trends
20.12
Positive
20.13
Positive
19.74
Positive
Market Momentum
0.27
Negative
65.47
Neutral
58.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JMSB, the sentiment is Positive. The current price of 21.03 is above the 20-day moving average (MA) of 20.44, above the 50-day MA of 20.12, and above the 200-day MA of 19.74, indicating a bullish trend. The MACD of 0.27 indicates Negative momentum. The RSI at 65.47 is Neutral, neither overbought nor oversold. The STOCH value of 58.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JMSB.
John Marshall Bancorp Risk Analysis
John Marshall Bancorp disclosed 48 risk factors in its most recent earnings report. John Marshall Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
John Marshall Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $335.43M | 12.08 | 10.66% | ― | 4.33% | -5.02% | |
75 Outperform | $294.78M | 7.07 | 11.89% | 3.38% | 3.42% | 38.40% | |
71 Outperform | $333.64M | 7.88 | 13.07% | 4.11% | -4.89% | -7.62% | |
69 Neutral | $305.02M | 11.74 | 2.92% | 1.48% | 3.75% | 27.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $327.23M | 8.37 | 10.53% | ― | -36.45% | -164.62% | |
57 Neutral | $205.04M | 18.87 | 8.70% | ― | 52.39% | 21.13% |
* Financial Sector Average
JMSB
John Marshall Bancorp
21.46
4.90
29.60%
NECB
Northeast Community Bancorp
24.15
1.81
8.11%
CZFS
Citizens Financial Services
61.32
6.69
12.25%
AVBH
Avidbank Holdings
29.87
8.37
38.93%
COSO
CoastalSouth Bancshares
25.61
5.86
29.64%
FINW
FinWise
14.96
0.94
6.70%
John Marshall Bancorp Corporate Events
Dividends
John Marshall Bancorp Declares Quarterly Cash Dividend Payment
Positive
Apr 29, 2026
On April 28, 2026, John Marshall Bancorp, Inc. declared a quarterly cash dividend of $0.09 per share on its common stock, with an aggregate payout of about $1.3 million based on current shares outstanding. The dividend will be paid on June 3, 2026...
Business Operations and Strategy
Raymond James Initiates Research Coverage on John Marshall Bancorp
Positive
Apr 15, 2026
On April 15, 2026, John Marshall Bancorp, Inc. announced that Raymond James Associates has initiated equity research coverage on its NASDAQ-listed stock, following the release of Raymond James’ initial report on April 14, 2026. Raymond Jame...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.