John Marshall Bancorp Inc (JMSB)
NASDAQ:JMSB
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John Marshall Bancorp
(NASDAQ:JMSB)
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Rating:66Neutral
Price Target:
$21.00
▲(1.16% Upside)
Action:ReiteratedDate:03/14/26
The score is driven primarily by improving financial performance (accelerating revenue growth, higher earnings, and better margins) and a solid, moderately levered balance sheet, tempered by below-peak returns and some historical cash-flow volatility. Technical indicators are neutral-to-soft, while valuation is reasonable and the dividend program enhancement provides an additional positive tailwind.
Positive Factors
Revenue growth acceleration
Sustained revenue acceleration (13.7% in 2025) reflects stronger loan and fee activity and broader market traction. Durable top-line momentum supports ongoing loan originations, fee income and scale benefits, underpinning earnings potential over the next several quarters.
Negative Factors
Below-peak return on equity
ROE still materially below prior peak indicates the bank has not recovered historical capital efficiency. Lower long-term returns constrain shareholder value creation and suggest either compressions in margin, less leverage-optimal capital deployment, or slower asset repricing.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth acceleration
Sustained revenue acceleration (13.7% in 2025) reflects stronger loan and fee activity and broader market traction. Durable top-line momentum supports ongoing loan originations, fee income and scale benefits, underpinning earnings potential over the next several quarters.
Read all positive factors
John Marshall Bancorp (JMSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$295.07M
Dividend Yield1.48%
Average Volume (3M)17.56K
Price to Earnings (P/E)13.4
Beta (1Y)0.73
Revenue Growth2.59%
EPS Growth18.83%
CountryUS
Employees136
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.42
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 Cap0.85
Enterprise Value/Revenue2.17
Enterprise Value/Gross Profit4.11
Enterprise Value/Ebitda8.79
Forecast
1Y Price Target
$23.00Price Target Upside10.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.77
Revenue Forecast (FY)$70.90M
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
20.76
Price Trends
20.11
Positive
20.06
Positive
19.68
Positive
Market Momentum
0.24
Negative
61.74
Neutral
82.82
Negative
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 20.76 is above the 20-day moving average (MA) of 20.12, above the 50-day MA of 20.11, and above the 200-day MA of 19.68, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 61.74 is Neutral, neither overbought nor oversold. The STOCH value of 82.82 is Negative, 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | $335.30M | 10.76 | 10.81% | ― | ― | ― | |
71 Outperform | $350.14M | 6.95 | 13.07% | 4.11% | -0.72% | -7.24% | |
71 Outperform | $321.03M | 7.48 | 11.36% | 3.38% | 2.16% | 24.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $295.07M | 13.36 | 7.97% | 1.48% | 2.59% | 18.83% | |
61 Neutral | $229.63M | 14.30 | 8.00% | ― | 26.54% | 2.73% | |
57 Neutral | $326.82M | 8.35 | -8.68% | ― | -38.93% | -187.52% |
* Financial Sector Average
JMSB
John Marshall Bancorp
20.76
6.86
49.32%
NECB
Northeast Community Bancorp
25.31
4.86
23.80%
CZFS
Citizens Financial Services
66.78
15.51
30.25%
AVBH
Avidbank Holdings
29.76
8.50
39.98%
COSO
CoastalSouth Bancshares
25.60
5.89
29.88%
FINW
FinWise
16.79
2.50
17.49%
John Marshall Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
John Marshall Bancorp Initiates Enhanced Quarterly Dividend Program
Positive
Jan 28, 2026
On January 27, 2026, John Marshall Bancorp, Inc.’s board of directors declared its first quarterly cash dividend of $0.09 per share of common stock, payable on March 4, 2026 to shareholders of record as of February 11, 2026, with an aggregat...
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.