John Marshall Bancorp, Inc. JMSB R2K

Financial Services · Banks - Regional · United States

https://www.johnmarshallbank.com

John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services in Arlington, Fairfax, Loudoun, Prince William, Montgomery, District of Columbia. The company offers checking, NOW, money market accounts, and savings accounts; certificates of deposit; and time, reciprocal IntraFi Demand, IntraFi Money Market, and IntraFi CD deposits. It also offers commercial real estate loans, residential and commercial construction and development loans, commercial and industrial loans, and residential mortgage loans; commercial term loans and lines of credit; U.S. small business administration; mortgage loan; and other loans, such as financing of equipment, receivables, contract administration expenses, and automobile financing. In addition, the company provides debit and credit cards; treasury and cash management services; business and personal insurance; and online and mobile banking with bill pay, sweep accounts, wire transfer, and check imaging and remote deposit capture services; and U.S. treasury bonds, government agency securities, and mortgage-backed securities. It serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. The company was formerly known as John Marshall Bank and changed its name to John Marshall Bancorp, Inc. in March 2017. John Marshall Bancorp, Inc. was founded in 2005 and is headquartered in Reston, Virginia.

Market & Price

Market Cap

$300.17M

Current Price

$21.27

High / Low (52W)

$21.67 / $16.66

Beta

0.43

Valuation

Stock P/E

13.46

Industry PE

12.01

Forward P/E

10.01

PEG Ratio

Book Value

$18.78

Price to Book

1.13

P/S

4.74

EV/EBITDA

Dividend Yield

2.26%

Profitability & Returns

ROCE

ROE

8.64%

ROA

0.97%

Profit Margin

35.59%

Op Margin

46.79%

EPS (Latest Qtr)

$0.43

EPS (TTM)

$1.58

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$85.59M

Total Assets

$2.33B

Current Assets

Working Capital

Ownership

Promoter Holding

13.08%

Chg in Prom Hold

FII / Inst Holding

49.76%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$233.96M

Total Revenue (TTM)

$63.29M

EBITDA

Free Cash Flow

Operating Cash Flow

$24.14M

Shares Outstanding

14.11M

Gross Margin

0.00%

Payout Ratio

24.68%

Growth (CAGR)

Revenue 5Y

-4.59%

Profit 5Y

-12.60%

Revenue (YoY)

16.20%

Earnings (YoY)

27.60%

PROS

Excellent profit margin of 35.6%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -4.6% CAGR over 5 years.
Earnings shrank at -12.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	JMSB John Marshall Bancorp, Inc. R2K	21.27	13.46	$300.17M	2.26%	-	8.64%	-4.59%	-12.60%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	14.61M	15.43M	16.25M	16.35M	16.79M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	13.21M	12.92M	13.35M	13.22M	12.57M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	6.18M	6.58M	6.86M	7.75M	7.85M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	1.37M	1.48M	1.46M	1.84M	1.75M
Net Income	5.07M	6.08M	6.76M	7.67M	7.88M	8.04M	6.30M	4.49M	-10.14M	4.20M	3.90M	4.24M	4.81M	5.10M	5.40M	5.92M	6.10M
Diluted EPS	0.37	0.44	0.48	0.55	0.56	0.57	0.44	0.32	-0.72	0.30	0.27	0.30	0.34	0.36	0.38	0.42	0.43

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	72.11M	35.54M	53.32M	62.64M
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	-	-	-	-
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	13.64M	50.29M	59.09M	52.69M
Pretax Income	-	40.06M	7.98M	21.88M	27.38M
Tax Provision	-	8.26M	2.82M	4.76M	6.15M
Net Income	-	31.80M	5.16M	17.12M	21.23M
Diluted EPS	-	2.25	0.36	1.20	1.49

Compounded Sales Growth

5 Years:	-4.59%
1 Year:	16.20%

Compounded Profit Growth

5 Years:	-12.60%
1 Year:	27.60%

Stock Price Performance

1 Year:	+25.02%
6 Months:	+6.43%
3 Months:	+11.27%
1 Month:	+2.32%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	2.15B	2.35B	2.24B	2.23B	2.33B
Current Assets	-	-	-	-	-	-
Cash & Equivalents	-	105.80M	61.60M	99.00M	122.47M	129.97M
Inventory	-	-	-	-	-	-
Receivables	-	-	5.53M	6.11M	6.00M	5.89M
Total Liabilities	-	1.94B	2.14B	2.01B	1.99B	2.07B
Current Liabilities	-	-	-	-	-	-
Long Term Debt	-	42.73M	24.62M	24.71M	80.79M	80.88M
Total Debt	-	-	29.48M	29.15M	86.16M	85.69M
Total Equity	186.08M	208.47M	212.80M	229.91M	246.61M	265.64M
Shares Outstanding	-	-	14.10M	14.15M	14.27M	14.21M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	33.16M	18.00M	17.26M	22.58M
Investing Cash Flow	-	-270.87M	144.84M	30.96M	-88.68M
Financing Cash Flow	-	193.52M	-125.43M	-24.76M	73.60M
Capital Expenditure	-	-156.00K	-612.00K	-483.00K	-554.00K
Free Cash Flow	-	33.00M	17.39M	16.78M	22.03M
Net Change in Cash	-	-44.20M	37.41M	23.46M	7.50M
Share Buybacks	-	-	-	49.00K	2.42M
Dividends Paid	-	2.80M	3.11M	3.56M	4.27M

Ratios (Annual)

Figures in %.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	44.1%	14.5%	32.1%	33.9%
ROE %	-	14.9%	2.2%	6.9%	8.0%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

13.08%

Institutions

49.76%

Public Float

57.25%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	T. Rowe Price Investment Management, Inc.	15.29%	1.97M	$41.81M
2	Blackrock Inc.	6.81%	875.36K	$18.62M
3	Vanguard Capital Management LLC	4.18%	537.38K	$11.43M
4	FJ Capital Management LLC	3.21%	412.27K	$8.77M
5	Toth Financial Advisory Corporation	2.87%	368.62K	$7.84M
6	Evermay Wealth Management Llc	2.72%	349.97K	$7.44M
7	Geode Capital Management, LLC	2.30%	295.30K	$6.28M
8	State Street Corporation	1.69%	217.40K	$4.62M
9	Bank of America Corporation	1.61%	206.71K	$4.40M
10	MAI Capital Management	1.54%	198.12K	$4.21M

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JMSB · Financial Services