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John Marshall Bancorp (JMSB)
:JMSB
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John Marshall Bancorp (JMSB) AI Stock Analysis

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JMSB

John Marshall Bancorp

(NASDAQ:JMSB)

Rating:77Outperform
Price Target:
$21.50
â–²(15.16% 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 (JMSB) vs. SPDR S&P 500 ETF (SPY)

John Marshall Bancorp Business Overview & Revenue Model

Company DescriptionJohn Marshall Bancorp, Inc. (JMSB) is a bank holding company based in the United States. It operates through its subsidiary, John Marshall Bank, which provides a range of banking and financial services to individuals, small to medium-sized businesses, and professionals. The company offers services such as commercial and retail banking, mortgage lending, and treasury management solutions, focusing on personalized customer service and community-oriented financial solutions.
How the Company Makes MoneyJohn Marshall Bancorp makes money primarily through interest income generated from its loan portfolio, which includes commercial, real estate, and consumer loans. Additionally, the company earns non-interest income from fees and service charges related to deposit accounts, treasury and cash management services, and other financial products. The company also benefits from strategic partnerships with financial technology firms and other financial institutions, enhancing its service offerings and expanding its market reach. Its revenue is influenced by interest rate environments, loan demand, and local economic conditions in the regions it serves.

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
83
Very Positive
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
78
Positive
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
76
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue112.48M112.40M85.83M85.76M75.84M74.06M
Gross Profit54.78M53.69M38.80M71.94M64.52M52.23M
EBITDA24.30M23.56M9.70M41.98M34.49M25.69M
Net Income17.73M17.12M5.16M31.80M25.46M18.53M
Balance Sheet
Total Assets2.27B2.23B2.24B2.35B2.15B1.89B
Cash, Cash Equivalents and Short-Term Investments244.33M143.27M269.00M419.18M345.10M290.36M
Total Debt85.91M86.16M39.15M54.98M47.91M52.89M
Total Liabilities2.02B1.99B2.01B2.14B1.94B1.70B
Stockholders Equity252.96M246.61M229.91M212.80M208.47M186.08M
Cash Flow
Free Cash Flow23.29M16.78M17.39M33.00M32.00M23.84M
Operating Cash Flow24.04M17.26M18.00M33.16M32.35M24.43M
Investing Cash Flow-4.93M30.96M144.84M-270.87M-303.00M-261.85M
Financing Cash Flow-3.07M-24.76M-125.43M193.52M237.99M281.39M

John Marshall Bancorp Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price18.67
Price Trends
50DMA
18.33
Positive
100DMA
17.26
Positive
200DMA
18.79
Negative
Market Momentum
MACD
0.05
Positive
RSI
48.83
Neutral
STOCH
42.78
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 18.67 is below the 20-day moving average (MA) of 18.94, above the 50-day MA of 18.33, and below the 200-day MA of 18.79, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 48.83 is Neutral, neither overbought nor oversold. The STOCH value of 42.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
81
Outperform
$246.30M8.1110.24%3.50%11.26%42.81%
77
Outperform
$270.00M14.247.73%1.63%23.76%683.10%
76
Outperform
$295.24M17.885.71%2.94%-10.47%-16.98%
72
Outperform
$230.09M9.3913.54%2.19%0.40%-10.62%
67
Neutral
$17.04B11.609.79%3.95%10.64%1.80%
59
Neutral
$229.48M101.811.56%5.09%-4.78%-85.63%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JMSB
John Marshall Bancorp
18.91
0.55
3.00%
NWFL
Norwood Financial
24.18
0.27
1.13%
OVLY
Oak Valley Bancorp [Ca]
27.45
2.62
10.55%
PKBK
Parke Bancorp
20.79
3.14
17.79%
MVBF
MVB Financial
23.19
4.02
20.97%

John Marshall Bancorp Corporate Events

Business Operations and StrategyFinancial Disclosures
John Marshall Bancorp Reports Q2 2025 Financial Growth
Positive
Jul 29, 2025

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.

The most recent analyst rating on (JMSB) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on John Marshall Bancorp stock, see the JMSB Stock Forecast page.

Business Operations and Strategy
John Marshall Bancorp Gains New Equity Coverage
Positive
Jul 21, 2025

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.

The most recent analyst rating on (JMSB) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on John Marshall Bancorp stock, see the JMSB Stock Forecast page.

Shareholder MeetingsBusiness Operations and Strategy
John Marshall Bancorp Holds Annual Shareholders Meeting
Neutral
Jun 17, 2025

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.

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.Date of analysis: Aug 06, 2025