John Marshall Bancorp (JMSB) AI Stock Analysis

• Market Cap: $278.14M
• Dividend Yield: 1.54%
• Average Volume (3M): 17.16K
• Price to Earnings (P/E): 15.7
• Beta (1Y): 0.82
• Revenue Growth: 25.96%
• EPS Growth: 484.74%
• Country: US
• Employees: 136
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): 0.34
• Shares Outstanding: 14,278,336
• 10 Day Avg. Volume: 21,935
• 30 Day Avg. Volume: 17,158
• PEG Ratio: 0.59
• Price to Book (P/B): 1.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.15
• Enterprise Value/Market Cap: 1.33
• Enterprise Value/Revenue: 1.04
• Enterprise Value/Gross Profit: 5.56
• Enterprise Value/Ebitda: 4.89
• 1Y Price Target: $20.00
• Price Target Upside: 5.04% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: $21.50 ▲(12.92%Upside)

The overall score reflects strong financial performance and bullish technical indicators, although the stock's valuation suggests caution. Robust revenue growth and profitability are significant positives, while high technical indicators and valuation metrics temper enthusiasm.

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 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

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	97.55M	53.32M	38.80M	72.11M	64.52M	58.45M
Gross Profit	66.36M	53.32M	38.80M	71.94M	67.63M	58.45M
EBITDA	23.45M	23.56M	9.70M	41.98M	32.23M	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	135.01M	143.27M	269.00M	419.18M	345.10M	290.36M
Total Debt	85.91M	86.16M	29.15M	29.48M	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	23.52M	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: 19.04
• 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 19.04 is above the 20-day moving average (MA) of 18.20, above the 50-day MA of 17.51, and above the 200-day MA of 18.84, indicating a bullish trend. The MACD of 0.59 indicates Negative momentum. The RSI at 64.65 is Neutral, neither overbought nor oversold. The STOCH value of 54.90 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	80 Outperform	$253.21M	8.88	9.81%	3.37%	9.76%	24.43%
MVBF	75 Outperform	$305.38M	16.12	6.38%	2.89%	-8.20%	-22.46%
JMSB	72 Outperform	$278.14M	15.67	7.25%	1.54%	25.96%	484.74%
OVLY	72 Outperform	$230.34M	9.27	13.99%	2.18%	0.40%	-10.62%
NWFL	64 Neutral	$245.13M	303.21	0.59%	4.87%	-3.66%	-95.41%
Sector *	58 Neutral	HK$90.97B	5.09	-3.21%	5.32%	7.36%	-55.21%
FFNW	55 Neutral	$208.18M	194.65	0.66%	2.30%	2.28%	-83.17%

John Marshall Bancorp Corporate Events

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.