Want to see JMSB full AI Analyst Report?
Top Page
John Marshall Bancorp
(NASDAQ:JMSB)
Select Model
Select Model
Rating:71Outperform
Price Target:
$23.50
▲(11.75% Upside)
Action:Reiterated
Date:06/17/26
The score is driven primarily by solid financial performance (healthy TTM profitability and a reasonable balance sheet), tempered by earnings/cash-flow volatility and very weak cash-flow-to-debt coverage in the dataset. Technicals add support with a mild uptrend and positive momentum, while valuation is fair but not particularly compelling given the low dividend yield; corporate events are positive but incremental.
Positive Factors
Relationship-based commercial banking
A relationship-focused commercial banking model supports stable deposit funding, recurring fee income from treasury and cash management, and higher client retention. Deep local relationships sustain lending pipelines and cross-sell opportunities, providing durable revenue and margin support over multiple economic cycles.
Negative Factors
Earnings volatility
Material swings in earnings reduce predictability of future profitability and complicate budgeting, provisioning, and capital planning. If volatility persists, it can constrain dividend policy, raise cost of funding, and make long-term planning and investor confidence more difficult to sustain.
Read all positive and negative factors
Positive Factors
Negative Factors
Relationship-based commercial banking
A relationship-focused commercial banking model supports stable deposit funding, recurring fee income from treasury and cash management, and higher client retention. Deep local relationships sustain lending pipelines and cross-sell opportunities, providing durable revenue and margin support over multiple economic cycles.
Read all positive factors
John Marshall Bancorp (JMSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$308.78M
Dividend Yield1.48%
Average Volume (3M)17.56K
Price to Earnings (P/E)13.8
Beta (1Y)0.80
Revenue Growth3.75%
EPS Growth27.19%
CountryUS
Employees136
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.59
Shares Outstanding14,112,223
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 Cap1.22
Enterprise Value/Revenue3.23
Enterprise Value/Gross Profit5.98
Enterprise Value/Ebitda12.45
Forecast
1Y Price Target
$24.00Price Target Upside14.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.84
Revenue Forecast (FY)$71.23M
John Marshall Bancorp Business Overview & Revenue Model
Company Description
John Marshall Bancorp, Inc. functions as the parent entity for John Marshall Bank, which offers a comprehensive array of banking products and financial services. The institution provides various deposit options, including checking, demand, NOW, sa...
How the Company Makes Money
John Marshall Bancorp makes money primarily through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income (fees), while managing operating costs and credit losses.
1) Net interest income (largest driver f...
John Marshall Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
76
Positive
Cash Flow
69
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 116.60M | 115.33M | 112.40M | 85.83M | 85.76M | 75.84M |
| Gross Profit | 63.03M | 60.95M | 53.69M | 38.80M | 71.94M | 64.52M |
| EBITDA | 30.28M | 28.90M | 23.56M | 9.70M | 41.98M | 34.49M |
| Net Income | 22.52M | 21.23M | 17.12M | 5.16M | 31.80M | 25.46M |
Balance Sheet | ||||||
| Total Assets | 2.35B | 2.33B | 2.23B | 2.24B | 2.35B | 2.15B |
| Cash, Cash Equivalents and Short-Term Investments | 223.56M | 147.25M | 143.27M | 269.00M | 419.18M | 345.10M |
| Total Debt | 85.44M | 85.69M | 86.16M | 39.15M | 54.98M | 47.91M |
| Total Liabilities | 2.08B | 2.07B | 1.99B | 2.01B | 2.14B | 1.94B |
| Stockholders Equity | 268.15M | 265.64M | 246.61M | 229.91M | 212.80M | 208.47M |
Cash Flow | ||||||
| Free Cash Flow | 23.93M | 22.03M | 16.78M | 17.39M | 33.00M | 32.00M |
| Operating Cash Flow | 24.14M | 22.58M | 17.26M | 18.00M | 33.16M | 32.35M |
| Investing Cash Flow | -98.94M | -88.68M | 30.96M | 144.84M | -270.87M | -303.00M |
| Financing Cash Flow | 55.94M | 73.60M | -24.76M | -125.43M | 193.52M | 237.99M |
John Marshall Bancorp Technical Analysis
Positive
21.03
Price Trends
21.38
Positive
20.76
Positive
20.24
Positive
Market Momentum
0.16
Positive
52.68
Neutral
41.81
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 21.03 is below the 20-day moving average (MA) of 21.79, below the 50-day MA of 21.38, and above the 200-day MA of 20.24, indicating a bullish trend. The MACD of 0.16 indicates Positive momentum. The RSI at 52.68 is Neutral, neither overbought nor oversold. The STOCH value of 41.81 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 50 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $320.01M | 11.68 | 10.66% | ― | 4.33% | -5.10% | |
75 Outperform | $343.31M | 8.57 | 11.89% | 3.38% | 3.42% | 38.40% | |
73 Outperform | $358.10M | 7.96 | 12.62% | 4.11% | -4.89% | -7.62% | |
71 Outperform | $308.78M | 13.79 | 8.60% | 1.48% | 3.75% | 27.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $351.88M | 10.53 | 10.53% | ― | -36.45% | -164.62% | |
56 Neutral | $192.71M | 11.89 | 8.24% | ― | 70.23% | 20.19% |
* Financial Sector Average
JMSB
John Marshall Bancorp
21.84
3.15
16.88%
NECB
Northeast Community Bancorp
26.28
3.66
16.16%
CZFS
Citizens Financial Services
70.38
11.39
19.31%
AVBH
Avidbank Holdings
32.12
11.44
55.32%
COSO
CoastalSouth Bancshares
26.42
5.14
24.13%
FINW
FinWise
13.88
-1.47
-9.58%
John Marshall Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
John Marshall Bancorp Shareholders Reelect Board and Auditor
Positive
Jun 16, 2026
John Marshall Bancorp, Inc. reported the results of its Annual Meeting of Shareholders held on June 16, 2026, where investors elected eight director nominees to serve until the 2027 annual meeting, affirming the company’s existing board lead...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
John Marshall Bancorp Highlights Growth Strategy Before Shareholder Meeting
Positive
Jun 16, 2026
John Marshall Bancorp, Inc. will hold its Annual Meeting of Shareholders on June 16, 2026, where investors are set to vote on proposals outlined in the company’s proxy materials. The bank has released an accompanying investor presentation hi...
Dividends
John Marshall Bancorp Declares Quarterly Cash Dividend Payment
Positive
Apr 29, 2026
On April 28, 2026, John Marshall Bancorp, Inc. declared a quarterly cash dividend of $0.09 per share on its common stock, with an aggregate payout of about $1.3 million based on current shares outstanding. The dividend will be paid on June 3, 2026...
Business Operations and Strategy
Raymond James Initiates Research Coverage on John Marshall Bancorp
Positive
Apr 15, 2026
On April 15, 2026, John Marshall Bancorp, Inc. announced that Raymond James Associates has initiated equity research coverage on its NASDAQ-listed stock, following the release of Raymond James’ initial report on April 14, 2026. Raymond Jame...
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.