JMSB Stock Analysis: John Marshall Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 327m USD | 12M Return: 21.9% | US47805L1017 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.19M
EPS Trend: 80.9%
Qual. Beats: 0
Rev. Trend: 87.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
John Marshall Bancorp is the holding company for John Marshall Bank, a Virginia-based regional bank serving businesses, organizations, and individuals in the Washington, D.C., metropolitan area. Founded in 2005 and headquartered in Reston, the company offers deposit accounts, commercial and consumer loans, payment cards, treasury services, and online banking.
Its lending includes commercial real estate, construction, business, and residential mortgage loans. Like other regional banks, it earns income from lending and other financial services while gathering deposits from customers. The company is listed on Nasdaq under the ticker JMSB.
- Deposit repricing and rate cuts pressure net interest margins
- Northern Virginia commercial real estate exposure drives credit costs
- Local business lending growth faces regional bank competition
| Net Income: 26.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.26 > 1.0 |
| NWC/Revenue: -1.63k% < 20% (prev -1.52k%; Δ -103.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 27.8m > Net Income 26.6m |
| Net Debt (-56.3m) to EBITDA (35.6m): -1.58 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.0m) vs 12m ago -1.26% < -2% |
| Gross Margin: 56.70% > 18% (prev 51.98%; Δ 4.72% > 0.5%) |
| Asset Turnover: 5.07% > 50% (prev 4.91%; Δ 0.17% > 0%) |
| Interest Coverage Ratio: 0.66 > 6 (EBIT TTM 34.0m / Interest Expense TTM 51.7m) |
| A: -0.81 (Total Current Assets 12.0m - Total Current Liabilities 1.97b) / Total Assets 2.44b |
| B: 0.08 (Retained Earnings 193.6m / Total Assets 2.44b) |
| C: 0.01 (EBIT TTM 34.0m / Avg Total Assets 2.38b) |
| D: 0.13 (Book Value of Equity 277.1m / Total Liabilities 2.16b) |
| Altman-Z'' = -4.79 = D |
| DSRI: 1.04 (Receivables 6.42m/5.82m, Revenue 120.7m/114.0m) |
| GMI: 0.92 (GM 51.98% / 56.70%) |
| AQI: 1.11 (AQ_t 0.99 / AQ_t-1 0.90) |
| SGI: 1.06 (Revenue 120.7m / 114.0m) |
| TATA: -0.00 (NI 26.6m - CFO 27.8m) / TA 2.44b) |
| Beneish M = -2.96 (Cap -4..+1) = A |
As of November 12, 2026, the stock is trading at USD 23.13 with a total of 95,770 shares traded. Over the past week, the price has changed by -1.36%, over one month by +1.31%, over three months by +0.00% and over the past year by +21.87%.
Current recommended Stop Loss: 22.00 (which is 4.9% or 2.2 ATR below the current price).
John Marshall Bancorp has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy JMSB.
- StrongBuy: 1
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 27 | 16.7% |
P/E Trailing = 12.3404
P/S = 4.7181
P/B = 1.1824
Revenue TTM = 120.7m USD
EBIT TTM = 34.0m USD
EBITDA TTM = 35.6m USD
Long Term Debt = 80.9m USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.82m USD (from shortTermDebt, last fiscal year)
Debt = 89.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.26m
Net Debt = -56.3m USD (calculated: Debt 89.6m - CCE 145.9m)
Enterprise Value = 271.1m USD (327.4m + Debt 89.6m - CCE 145.9m)
Interest Coverage Ratio = 0.66 (Ebit TTM 34.0m / Interest Expense TTM 51.7m)
EV/FCF = 9.75x (Enterprise Value 271.1m / FCF TTM 27.8m)
FCF Yield = 10.26% (FCF TTM 27.8m / Enterprise Value 271.1m)
FCF Margin = 23.03% (FCF TTM 27.8m / Revenue TTM 120.7m)
Net Margin = 22.01% (Net Income TTM 26.6m / Revenue TTM 120.7m)
Gross Margin = 56.70% ((Revenue TTM 120.7m - Cost of Revenue TTM 52.3m) / Revenue TTM)
Gross Margin QoQ = 57.32% (prev 59.37%)
Tobins Q-Ratio = 0.11 (Enterprise Value 271.1m / Total Assets 2.44b)
Interest Expense / Debt = 57.73% (Interest Expense 51.7m / Debt 89.6m)
Taxrate = 22.57% (7.75m / 34.3m)
NOPAT = 26.4m (EBIT 34.0m * (1 - 22.57%))
Current Ratio = 0.01 (Total Current Assets 12.0m / Total Current Liabilities 1.97b)
Debt / Equity = 0.32 (Debt 89.6m / totalStockholderEquity, last quarter 277.1m)
Debt / EBITDA = -1.58 (Net Debt -56.3m / EBITDA 35.6m)
Debt / FCF = -2.02 (Net Debt -56.3m / FCF TTM 27.8m)
Total Stockholder Equity = 271.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.12% (Net Income 26.6m / Total Assets 2.44b)
RoE = 9.80% (Net Income TTM 26.6m / Total Stockholder Equity 271.1m)
RoCE = 9.67% (EBIT 34.0m / Capital Employed (Equity 271.1m + L.T.Debt 80.9m))
RoIC = 5.71% (NOPAT 26.4m / Invested Capital 461.3m)
WACC = 5.85% (E(327.4m)/V(417.0m) * Re(7.45%) + (debt cost/tax rate unavailable))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -80.93 | Cagr: -0.49%
[DCF] Terminal Value 77.97% ; FCFF base≈24.9m ; Y1≈28.5m ; Y5≈41.9m
[DCF] Fair Price = 48.70 (EV 631.0m - Net Debt -56.3m = Equity 687.3m / Shares 14.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 80.93 | EPS CAGR: 115.0% | SUE: 0.39 | # QB: 0
Revenue Correlation: 87.13 | Revenue CAGR: 12.23% | SUE: 0.63 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.62 | Chg30d=+24.00% | Revisions=+40% | Analysts=1
EPS current Year (2026-12-31): EPS=1.90 | Chg30d=-1.55% | Revisions=-25% | GrowthEPS=+27.5% | GrowthRev=+16.6%
EPS next Year (2027-12-31): EPS=2.65 | Chg30d=+24.47% | Revisions=+40% | GrowthEPS=+39.2% | GrowthRev=+148.9%
[Analyst] Revisions Ratio: +38% (up=4, down=1)