tiprankstipranks
Trending News
More News >
John Marshall Bancorp Inc (JMSB)
NASDAQ:JMSB
US Market

John Marshall Bancorp (JMSB) AI Stock Analysis

Compare
10 Followers

Top Page

JM

John Marshall Bancorp

(NASDAQ:JMSB)

Rating:72Outperform
Price Target:
$21.50
â–²(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 (JMSB) vs. SPDR S&P 500 ETF (SPY)

John Marshall Bancorp Business Overview & Revenue Model

Company DescriptionJohn 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 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 Revenue97.55M53.32M38.80M72.11M64.52M58.45M
Gross Profit66.36M53.32M38.80M71.94M67.63M58.45M
EBITDA23.45M23.56M9.70M41.98M32.23M25.69M
Net Income17.73M17.12M5.16M31.80M25.46M18.53M
Balance Sheet
Total Assets2.27B2.23B2.24B2.35B2.15B1.89B
Cash, Cash Equivalents and Short-Term Investments135.01M143.27M269.00M419.18M345.10M290.36M
Total Debt85.91M86.16M29.15M29.48M47.91M52.89M
Total Liabilities2.02B1.99B2.01B2.14B1.94B1.70B
Stockholders Equity252.96M246.61M229.91M212.80M208.47M186.08M
Cash Flow
Free Cash Flow23.52M16.78M17.39M33.00M32.00M23.84M
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
Positive
Last Price19.04
Price Trends
50DMA
17.51
Positive
100DMA
17.03
Positive
200DMA
18.84
Positive
Market Momentum
MACD
0.59
Negative
RSI
64.65
Neutral
STOCH
54.90
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 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 (58)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
$253.21M8.889.81%3.37%9.76%24.43%
75
Outperform
$305.38M16.126.38%2.89%-8.20%-22.46%
72
Outperform
$278.14M15.677.25%1.54%25.96%484.74%
72
Outperform
$230.34M9.2713.99%2.18%0.40%-10.62%
64
Neutral
$245.13M303.210.59%4.87%-3.66%-95.41%
58
Neutral
HK$90.97B5.09-3.21%5.32%7.36%-55.21%
55
Neutral
$208.18M194.650.66%2.30%2.28%-83.17%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JMSB
John Marshall Bancorp
19.04
2.29
13.67%
FFNW
First Financial Northwest
22.56
0.99
4.59%
NWFL
Norwood Financial
25.41
-0.06
-0.24%
OVLY
Oak Valley Bancorp [Ca]
27.99
3.21
12.95%
PKBK
Parke Bancorp
21.27
4.54
27.14%
MVBF
MVB Financial
23.49
3.67
18.52%

John Marshall Bancorp Corporate Events

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: Jul 05, 2025