John Marshall Bancorp (JMSB) AI Stock Analysis

• Market Cap: $246.87M
• Dividend Yield: 1.44%
• Average Volume (3M): 21.52K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 0.79
• Revenue Growth: 25.96%
• EPS Growth: 484.74%
• Country: US
• Employees: 136
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.34
• Shares Outstanding: 14,278,336
• 10 Day Avg. Volume: 18,111
• 30 Day Avg. Volume: 21,521
• PEG Ratio: 4.16
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.40
• Enterprise Value/Market Cap: 0.99
• Enterprise Value/Revenue: 0.77
• Enterprise Value/Gross Profit: 3.31
• Enterprise Value/Ebitda: 7.04
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: $20.00 ▲( 15.67% Upside)

John Marshall Bancorp's stock is driven primarily by its solid financial performance and positive short-term technical trends. The robust profitability and sound financial management underscore its strength in the regional banking sector. Although valuation metrics suggest the stock is fairly priced, the positive market momentum could offer upside potential. Attention should be given to potential operational cost increases and capital expenditure requirements to ensure sustained growth.

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 makes money primarily through the interest income generated from its lending activities. The company offers various loan products, including commercial and industrial loans, commercial real estate loans, and consumer loans, which contribute a significant portion of its revenue. Additionally, the bank earns money from non-interest income sources, such as service charges on deposit accounts, fees for treasury management services, and other financial services offered to its clients. The company also benefits from strategically managing its investment portfolio to generate additional interest income. Significant partnerships with local businesses and community involvement enhance its ability to attract and retain customers, further contributing to its revenue.

John Marshall Bancorp Financial Statement Overview

Summary

John Marshall Bancorp exhibits strong revenue growth and financial stability, underscored by a solid balance sheet and effective cash management. However, the income statement highlights potential areas for cost efficiency improvements. The company maintains a conservative leverage position, reducing financial risk in the regional banking sector.

Income Statement

The income statement shows a mixed performance. Revenue experienced a significant increase from the previous year, indicating strong growth. However, net profit margins are relatively low, suggesting potential inefficiencies or high costs. The absence of EBIT and EBITDA in the latest year may indicate a shift in financial reporting or operational challenges.

Balance Sheet

The balance sheet is strong with a healthy equity ratio, indicating good financial stability. The debt-to-equity ratio is low, suggesting conservative leverage which reduces financial risk. Return on equity has been positive, reflecting efficient use of equity capital.

Cash Flow

Cash flow analysis shows a stable generation of operating cash flow relative to net income, indicating effective cash management. However, free cash flow growth has been modest, which may limit aggressive reinvestment opportunities. Overall, the cash flow position supports operational needs but suggests limited expansion capacity.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
53.32M	38.80M	72.11M	67.63M	58.45M
	Gross Profit
53.32M	38.80M	72.11M	67.63M	58.45M
	EBIT
21.88M	16.08M	51.79M	32.26M	23.07M
	EBITDA
0.00	9.70M	41.98M	34.49M	25.69M
	Net Income Common Stockholders
17.12M	5.16M	31.80M	25.46M	18.53M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
143.27M	99.00M	419.18M	345.10M	290.36M
	Total Assets
2.23B	2.24B	2.35B	2.15B	1.89B
	Total Debt
86.16M	29.15M	29.48M	47.91M	52.89M
	Net Debt
-36.31M	-69.85M	-32.12M	-57.89M	-85.57M
	Total Liabilities
1.99B	2.01B	2.14B	1.94B	1.70B
	Stockholders Equity
246.61M	229.91M	212.80M	208.47M	186.08M
Cash Flow		Free Cash Flow
16.78M	17.39M	33.00M	32.00M	23.84M
	Operating Cash Flow
17.26M	18.00M	33.16M	32.35M	24.43M
	Investing Cash Flow
30.96M	144.84M	-270.87M	-303.00M	-261.85M
	Financing Cash Flow
-24.76M	-125.43M	193.52M	237.99M	281.39M

John Marshall Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 17.29
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JMSB, the sentiment is Neutral. The current price of 17.29 is above the 20-day moving average (MA) of 17.25, above the 50-day MA of 16.44, and below the 200-day MA of 19.25, indicating a neutral trend. The MACD of 0.35 indicates Positive momentum. The RSI at 55.38 is Neutral, neither overbought nor oversold. The STOCH value of 33.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JMSB.

John Marshall Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JMSB	76 Outperform	$246.87M	13.91	7.25%	1.44%	25.96%	484.74%
PKBK	72 Outperform	$230.83M	8.10	9.81%	3.69%	9.76%	24.43%
OVLY	72 Outperform	$207.20M	8.33	13.99%	2.11%	0.40%	-10.62%
Sector *	64 Neutral	$12.64B	9.78	7.67%	17015.08%	12.23%	-6.02%
FFNW	55 Neutral	$208.18M	194.65	0.66%	2.30%	2.28%	-83.17%
NWFL	55 Neutral	$235.50M	291.29	0.59%	4.76%	-3.66%	-95.22%
MVBF	52 Neutral	$247.03M	13.04	6.38%	3.58%	-8.32%	-22.46%

John Marshall Bancorp Corporate Events

John Marshall Bancorp Director Announces Retirement

On February 26, 2025, Lim P. Nguonly, a director of John Marshall Bancorp, Inc. and its subsidiary John Marshall Bank, announced his decision not to stand for re-election and to retire from the Boards of Directors effective March 18, 2025. His departure is due to personal reasons and is not related to any disagreements with the company or its policies.