John Marshall Bancorp (JMSB) AI Stock Analysis

• Market Cap: $281.68M
• Dividend Yield: 1.5%
• Average Volume (3M): 14.35K
• Price to Earnings (P/E): 15.1
• Beta (1Y): 0.83
• Revenue Growth: 23.76%
• EPS Growth: 682.33%
• Country: US
• Employees: 136
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 14,218,979
• 10 Day Avg. Volume: 11,156
• 30 Day Avg. Volume: 14,351
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.26
• Enterprise Value/Revenue: 3.17
• Enterprise Value/Gross Profit: 6.50
• Enterprise Value/Ebitda: 14.66
• 1Y Price Target: $23.00
• Price Target Upside: 16.10% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 77 Outperform
• Price Target: $21.50 ▲(8.53% Upside)

John Marshall Bancorp's overall stock score is driven by its strong financial performance and positive corporate events, which highlight strategic growth and enhanced market visibility. The technical analysis indicates moderate bullish momentum, while the valuation suggests the stock is fairly priced. These factors collectively position JMSB as a solid investment opportunity in the regional banking sector.

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 of deposit. It offers commercial, construction and development, commercial term, mortgage, commercial real estate, industrial other commercial lines of credit; debit and credit cards; and treasury and cash management, investment, business and personal insurance, remote deposit capture, deposit sweep and online and mobile banking services. The company serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. It operates eight full-service branches in Alexandria, Reston, Arlington, Washington, Loudoun, Prince William, Rockville, and Tysons, as well as a loan production office in Arlington, Virginia. The company was founded in 2005 and is headquartered in Reston, Virginia.

How the Company Makes Money

John Marshall Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. Key revenue streams include interest earned on personal and commercial loans, mortgage loans, and investment securities. Additionally, the company earns fees from services such as account maintenance, transaction processing, and wealth management advisory services. Significant partnerships with local businesses and community organizations also enhance JMSB's market presence, allowing for increased loan origination and deposit growth, which further contribute to its overall earnings.

John Marshall Bancorp Financial Statement Overview

Summary

John Marshall Bancorp demonstrates a strong financial profile with robust profitability, sound leverage, and healthy cash flow generation. Revenue and profit growth trends are promising, indicating strategic execution and market strength. The company's stability, underlined by its low debt levels and high liquidity, positions it well for future challenges. Nonetheless, attention to rising operational costs and capital expenditure is advisable to sustain long-term growth.

Income Statement

John Marshall Bancorp exhibits strong profitability with a consistent gross profit margin, highlighting efficient cost management. The TTM net profit margin of 18.17% is robust, indicating effective revenue conversion to profit. Revenue growth is notable, showing a 82.56% increase from the previous year, driven by strategic market positioning. However, the decrease in EBIT margin from 43.39% in 2022 to 23.22% in TTM suggests rising operational costs or increased competition impacting profitability.

Balance Sheet

The company maintains a solid financial position with a low debt-to-equity ratio of 0.34, reflecting prudent leverage. The equity ratio of 11.13% indicates a stable capital structure, though slightly below the industry norm. Return on equity remains strong at 7.01% in TTM, showcasing effective utilization of shareholder funds. However, the decrease in equity ratio over time suggests potential over-reliance on liabilities for asset financing.

Cash Flow

Operating cash flow remains healthy with a TTM operating cash flow to net income ratio of 1.36, indicating efficient cash conversion. Free cash flow growth is impressive, with a 40.19% increase over the previous year. The free cash flow to net income ratio of 1.33 further underscores strong financial flexibility. However, the consistent need for capital expenditure, albeit moderate, may impact future cash reserves.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	112.48M	112.40M	85.83M	85.76M	75.84M	74.06M
Gross Profit	54.78M	53.69M	38.80M	71.94M	64.52M	52.23M
EBITDA	24.30M	23.56M	9.70M	41.98M	34.49M	25.69M
Net Income	17.73M	17.12M	5.16M	31.80M	25.46M	18.53M
Balance Sheet
Total Assets	2.27B	2.23B	2.24B	2.35B	2.15B	1.89B
Cash, Cash Equivalents and Short-Term Investments	244.33M	143.27M	269.00M	419.18M	345.10M	290.36M
Total Debt	85.91M	86.16M	39.15M	54.98M	47.91M	52.89M
Total Liabilities	2.02B	1.99B	2.01B	2.14B	1.94B	1.70B
Stockholders Equity	252.96M	246.61M	229.91M	212.80M	208.47M	186.08M
Cash Flow
Free Cash Flow	23.29M	16.78M	17.39M	33.00M	32.00M	23.84M
Operating Cash Flow	24.04M	17.26M	18.00M	33.16M	32.35M	24.43M
Investing Cash Flow	-4.93M	30.96M	144.84M	-270.87M	-303.00M	-261.85M
Financing Cash Flow	-3.07M	-24.76M	-125.43M	193.52M	237.99M	281.39M

John Marshall Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.81
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 19.81 is above the 20-day moving average (MA) of 19.38, above the 50-day MA of 19.09, and above the 200-day MA of 18.62, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 56.10 is Neutral, neither overbought nor oversold. The STOCH value of 67.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JMSB.

John Marshall Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PKBK	81 Outperform	$268.46M	8.84	10.24%	3.19%	11.26%	42.81%
JMSB	77 Outperform	$281.68M	15.07	7.72%	1.50%	23.76%	682.33%
MVBF	73 Outperform	$304.66M	18.45	5.71%	2.79%	-10.30%	-16.98%
OVLY	72 Outperform	$239.64M	9.74	13.54%	2.11%	5.11%	-2.77%
Sector *	68 Neutral	$17.90B	11.92	10.28%	3.72%	9.73%	1.69%
NWFL	68 Neutral	$242.75M	110.36	1.56%	4.55%	-4.78%	-85.40%
FFNW	55 Neutral		―		―	2.28%	-83.17%

John Marshall Bancorp Corporate Events

John Marshall Bancorp Extends Stock Repurchase Program

On August 19, 2025, John Marshall Bancorp, Inc. announced the extension of its stock repurchase program, originally set to expire on August 31, 2025, to now conclude on August 31, 2026. The program allows for the repurchase of up to 700,000 shares, approximately 5% of its outstanding shares, and is subject to market conditions and legal requirements. The extension reflects the company’s strategic decision to manage its capital structure and potentially enhance shareholder value, though it does not obligate the company to repurchase any specific amount of shares.

John Marshall Bancorp Reports Q2 2025 Financial Growth

John Marshall Bancorp, Inc. announced its participation in the Keefe, Bruyette & Woods 2025 Community Bank Investor Conference in New York on July 29, 2025. The company reported significant financial growth for the second quarter of 2025, with an 11 basis point increase in net interest margin and a 6.1% rise in net income compared to the previous quarter. New loan commitments increased by 40.5%, reflecting the bank’s strategic focus on enhancing profitability and maintaining strong asset quality.

John Marshall Bancorp Gains New Equity Coverage

On July 21, 2025, John Marshall Bancorp, Inc. announced that Keefe, Bruyette & Woods, a Stifel Company, has initiated equity research coverage on its stock. This coverage is expected to enhance the visibility and trading volume of the company’s stock, potentially increasing shareholder value. The move signifies a strategic step for John Marshall Bancorp in promoting awareness and liquidity, which could have positive implications for its market positioning and stakeholder engagement.

John Marshall Bancorp Holds Annual Shareholders Meeting

On June 17, 2025, John Marshall Bancorp, Inc. held its Annual Meeting of Shareholders where key proposals were voted on. The shareholders elected eight directors to serve until the 2026 Annual Meeting, ratified the appointment of Yount, Hyde & Barbour, P.C. as the independent accounting firm for 2025, and approved the 2025 Stock Incentive Plan. These decisions are expected to impact the company’s governance and financial strategy moving forward.