John Marshall Bancorp (JMSB) AI Stock Analysis

• Market Cap: $271.58M
• Dividend Yield: 1.61%
• Average Volume (3M): 17.56K
• Price to Earnings (P/E): 13.5
• Beta (1Y): 0.88
• Revenue Growth: 2.59%
• EPS Growth: 18.95%
• Country: US
• Employees: 136
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 14,218,979
• 10 Day Avg. Volume: 16,943
• 30 Day Avg. Volume: 17,556
• PEG Ratio: 0.07
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 2.54
• P/FCF Ratio: 17.02
• Enterprise Value/Market Cap: 1.31
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: 13.89
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: $20.50 ▲(7.33% Upside)

John Marshall Bancorp's overall stock score is driven by strong financial performance with robust revenue growth and healthy profit margins. However, liquidity challenges and declining ROE are concerns. Technical indicators suggest a neutral to slightly bearish trend, while valuation metrics indicate the stock is fairly valued. The absence of earnings call data and corporate events limits further insights.

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 generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. Key revenue streams include interest earned on personal and commercial loans, mortgage loans, and investment securities. Additionally, the company earns fees from services such as account maintenance, transaction processing, and wealth management advisory services. Significant partnerships with local businesses and community organizations also enhance JMSB's market presence, allowing for increased loan origination and deposit growth, which further contribute to its overall earnings.

John Marshall Bancorp Financial Statement Overview

Summary

John Marshall Bancorp demonstrates strong revenue growth and maintains a healthy profit margin, reflecting effective business operations. The balance sheet is stable with manageable debt levels, though declining ROE may warrant attention. Cash flow metrics indicate potential liquidity challenges, with negative free cash flow growth being a key concern. Overall, the company is performing well but should focus on improving cash conversion and maintaining profitability.

Income Statement

John Marshall Bancorp shows strong revenue growth with a TTM increase of 89.3%, indicating robust business expansion. The gross profit margin is healthy at 50%, and the net profit margin is solid at 16.68%. However, the decline in EBIT and EBITDA margins compared to historical data suggests rising operational costs or competitive pressures.

Balance Sheet

The company maintains a reasonable debt-to-equity ratio of 0.40, reflecting prudent financial leverage. Return on equity is moderate at 7.60%, indicating decent profitability on shareholder investments. The equity ratio is stable, suggesting a balanced capital structure, but the declining trend in ROE could be a concern if it continues.

Cash Flow

Operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. Free cash flow growth is negative at -11.79%, which could impact future investments or debt repayments. However, the free cash flow to net income ratio remains strong at 95.98%, showing efficient cash generation relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	181.85B	112.40M	85.83M	85.76M	75.84M	74.06M
Gross Profit	63.16B	53.69M	38.80M	71.94M	64.52M	52.23M
EBITDA	25.66M	23.56M	9.70M	41.98M	34.49M	25.69M
Net Income	15.66B	17.12M	5.16M	31.80M	25.46M	18.53M
Balance Sheet
Total Assets	280.00M	2.23B	2.24B	2.35B	2.15B	1.89B
Cash, Cash Equivalents and Short-Term Investments	83.00M	143.27M	269.00M	419.18M	345.10M	290.36M
Total Debt	22.00M	86.16M	39.15M	54.98M	47.91M	52.89M
Total Liabilities	60.00M	1.99B	2.01B	2.14B	1.94B	1.70B
Stockholders Equity	220.00M	246.61M	229.91M	212.80M	208.47M	186.08M
Cash Flow
Free Cash Flow	20.55M	16.78M	17.39M	33.00M	32.00M	23.84M
Operating Cash Flow	21.41M	17.26M	18.00M	33.16M	32.35M	24.43M
Investing Cash Flow	-25.69M	30.96M	144.84M	-270.87M	-303.00M	-261.85M
Financing Cash Flow	-41.36M	-24.76M	-125.43M	193.52M	237.99M	281.39M

John Marshall Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.10
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 19.1 is below the 20-day moving average (MA) of 19.10, below the 50-day MA of 19.71, and above the 200-day MA of 18.20, indicating a neutral trend. The MACD of -0.19 indicates Positive momentum. The RSI at 47.94 is Neutral, neither overbought nor oversold. The STOCH value of 17.54 is Positive, 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
NECB	―	$275.47M	5.99	13.63%	3.82%	-0.72%	-7.24%
FINW	―	$236.72M	17.91	8.13%	―	13.75%	-15.50%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZFS	―	$263.39M	8.32	10.53%	3.60%	2.41%	15.34%
JMSB	―	$271.58M	13.55	7.98%	1.61%	2.59%	18.95%
AVBH	―	$286.31M	-14.46	-8.68%	―	-38.93%	-187.52%

John Marshall Bancorp Corporate Events

John Marshall Bancorp Reports Strong Q3 Growth

John Marshall Bancorp, Inc. is a bank holding company headquartered in Reston, Virginia, operating in the financial services sector with a focus on providing personalized banking services to businesses and professionals in the Washington, D.C. area. The company recently reported a robust 28% increase in net income for the third quarter of 2025, driven by strong growth in net interest income, core deposits, and loan demand. Key financial metrics included a net income of $5.4 million, a 27.6% increase from the previous year, and a net interest margin expansion to 2.73%. The company also reported pristine asset quality with no loans past due and a strong capital position. Looking ahead, John Marshall Bancorp remains optimistic about its growth prospects, supported by a strong balance sheet and strategic focus on organic growth and potential mergers and acquisitions.

John Marshall Bancorp Joins Raymond James 2025 Conference

John Marshall Bancorp, Inc. announced its participation in the Raymond James 2025 U.S. Bank Conference in Chicago on September 3, 2025. The company reported a positive financial performance for the second quarter of 2025, with a 6.1% increase in net income and a 12.1% rise in pre-tax, pre-provision earnings compared to the previous quarter. The bank also saw a significant increase in new loan commitments, indicating strong growth and positioning in the market.

The most recent analyst rating on (JMSB) stock is a Buy with a $21.50 price target. To see the full list of analyst forecasts on John Marshall Bancorp stock, see the JMSB Stock Forecast page.

John Marshall Bancorp Extends Stock Repurchase Program

On August 19, 2025, John Marshall Bancorp, Inc. announced the extension of its stock repurchase program, originally set to expire on August 31, 2025, to now conclude on August 31, 2026. The program allows for the repurchase of up to 700,000 shares, approximately 5% of its outstanding shares, and is subject to market conditions and legal requirements. The extension reflects the company’s strategic decision to manage its capital structure and potentially enhance shareholder value, though it does not obligate the company to repurchase any specific amount of shares.

The most recent analyst rating on (JMSB) stock is a Buy with a $21.50 price target. To see the full list of analyst forecasts on John Marshall Bancorp stock, see the JMSB Stock Forecast page.