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John Marshall Bancorp, Inc.

JMSB

$23.29 ▼ -0.04 (-0.17%) at close

6 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

John Marshall Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $330.5M

Dividend Yield 1.29%

Revenue Growth 17.5% ↘

Op. Margin 43.7% ↗

ROIC None

FCF / Share None

Trailing P/E 15.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.30

info Valuation on last close. End-of-day price, Aug 7, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$62.64M

↑ +17.5% —

Net Income Profit after all expenses

$21.23M

↑ +24.0% —

Operating Margin Operating profit as % of sales

43.7%

↑ +6.5% 95th

Long-Term Debt Long-term obligations

$80.88M

— +0.1% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.30 Latest / share

+20.0% YoY

+431.3% 4-yr CAGR

FY 2020

FY 2021

$0.00

FY 2022

$0.00

FY 2023

$0.25

FY 2024

$0.30

FY 2025

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	17.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+191%)	50.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+733%)	-50.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-945%)	6.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	—	—
EPS Growth YoY (%)	24.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	224.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-83.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	21.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	24.0% Good ↓ Good Declining Year-over-year change in net income	231.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-83.8% Weak Weak Year-over-year change in net income	24.9% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-4.6% Weak Weak Compound annual revenue growth over 3 years	-7.6% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
EPS CAGR 3Y (%)	-13.1% Weak Weak Compound annual EPS growth over 3 years	-13.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	43.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	41.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	22.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	55.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+122%)	47.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	—
Effective Tax Rate (%) (%)	22.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	33.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	32.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	14.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	44.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	37.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	14.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	12.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Debt to Equity (x)	0.30x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.34x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.20x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$4.41	$3.76	$2.52	$5.18	$4.98	—
Basic EPS, GAAP (USD)	$1.49	$1.20	$0.37	$2.27	$1.87	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.30	$0.25	$0.00	$0.00	—	—
Book Value per Share (USD)	$18.72	$17.40	$16.33	$15.27	$15.35	—
Tangible Book Value per Share (USD)	$18.72	$17.40	$16.33	$15.27	$15.35	—
Basic Weighted Avg Shares (shares)	14.19M	14.17M	14.08M	13.93M	13.58M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$80.88M	$80.79M	$24.71M	$24.62M	$42.73M	—
Total Equity (USD)	$265.64M	$246.61M	$229.91M	$212.80M	$208.47M	$186.08M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$62.64M	$53.32M	$35.54M	$72.11M	$67.63M	—
Depreciation Expense (USD)	$507.00K	$447.00K	$484.00K	$557.00K	$814.00K	—
Net Income, GAAP (USD)	$21.23M	$17.12M	$5.16M	$31.80M	$25.46M	—
Operating Cash Flow (USD)	$22.58M	$17.26M	$18.00M	$33.16M	$32.35M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	2.3%	2.3%	3.0%	3.1%	—
Efficiency Ratio (%) (%)	53.6%	59.7%	86.7%	44.2%	47.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 6 years · 22 quarters

John Marshall Bancorp, Inc.

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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