John Marshall Bancorp (JMSB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

John Marshall Bancorp

NasdaqCM•Financial Services•Banks - Regional

$22.96-0.45(-0.02%)Pre-market

Market Cap

$324.70M

P/E

13.3x

P/S

2.7x

P/B

1.2x

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.

How this company scores

WeakMetricSide Score: 81/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability21/25

Growth21/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality23/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.3x5y range 8.2x – 107.2x

Currently near its 15-quarter median.

P/S · 2.7x5y range 2.1x – 3.2x

Currently near its 15-quarter median.

P/B · 1.2x5y range 0.9x – 1.3x

Price & Volume

Market Cap $324.70M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $119.73M
Q. Revenue: $31.19M
TTM EBITDA: $33.27M
TTM Op. Income: $31.49M
Q. Op. Income: $9.03M
TTM Net Income: $24.44M
Q. Net Income: $7.02M
EPS: $0.5
Shares Out.: $14.04M

$119.73M in TTM revenue grew 5.5% YoY, reaching $31.19M last quarter. TTM EBITDA of $33.27M and TTM operating income of $31.49M show growth is flowing through to the bottom line. TTM net income of $24.44M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 60.2%
EBITDA Margin: 30.2%
Op. Margin: 28.9%
Net Margin: 22.5%

Op. margin of 28.9% is up 5.7% YoY — cost efficiency is improving. Net margin at 22.5% and gross margin of 60.2% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.3x
P/S Ratio: 2.7x
P/B Ratio: 1.2x

At 13.3x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 5% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.40B
Cash: $159.03M
Long-Term Debt: $80.92M
Book Value: $273.78M
D/E Ratio: 0.3
Debt/EBITDA: 8.6

With $2.40B in assets and $80.92M in long-term debt, D/E is 0.3and book value is $273.78M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $5.04M
TTM Free Cash Flow: $21.58M
FCF Margin: 18.0%
FCF / Net Income: 0.9

TTM FCF of $21.58M on $5.04M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 5% — a weakening trend.