John Marshall Bancorp, Inc. (JMSB) AI Stock Analysis

John Marshall Bancorp, Inc. functions as a bank holding company overseeing John Marshall Bank, providing banking products and financial services. Established in 2005 and based in Reston, Virginia, it serves small to medium-sized businesses, professional corporations, non-profits, and individual clients. Its offerings include deposit products such as checking, savings, money market accounts, and certificates of deposit, alongside commercial loans, commercial real estate loans, construction financing, and credit lines. The bank operates eight full-service branches across Alexandria, Reston, Arlington, Washington, Loudoun, Prince William, Rockville, and Tysons, plus an Arlington loan production office.

Between FY2021 and FY2025, annual revenue expanded from $75.8M to $115.3M, representing a 5-year revenue CAGR of 9.3%. After net income dropped to $5.2M in FY2023 with a 6.0% net margin, profitability rebounded to $17.1M in FY2024 and reached $21.2M in FY2025 with an 18.4% net margin. For the trailing twelve months, revenue was $66.9M with an operating margin of 48.8% and diluted EPS of $1.73. In the latest quarter ended June 30, 2026, quarterly revenue growth accelerated by 24.3% year-over-year, while quarterly earnings surged 39.1%.

As of June 30, 2026, John Marshall Bancorp held $6.5M in cash and short-term investments, with total debt of $125.2M, resulting in net debt of $118.7M. Total assets stood at $2.40B against shareholders' equity of $273.6M, yielding a debt-to-equity ratio of 0.46 and a current ratio of 0.31. In FY2025, the company generated $22.6M in operating cash flow and $22.0M in free cash flow, deploying $554,000 to capital expenditures, $2.4M to share buybacks, and $4.3M to dividends.

At a closing price of $22.90, JMSB has a market capitalization of $323.2M and trades at a trailing price-to-earnings multiple of 13.2x, compared to 12.1x for the median of its US-listed Financial Services peers. Its price-to-sales ratio of 4.8x also exceeds the peer median of 3.2x, while price-to-book sits at 1.2x. Over the past year, JMSB returned 23.3%, outperforming the S&P 500 (SPY) return of 16.8%, but its 5-year return of 33.2% trails the index return of 83.0%.

John Marshall Bancorp pays a quarterly dividend with an annual forward payout of $0.28 per share, yielding 1.22% based on a $22.90 share price. The payout ratio stands at 16.2%, and the bank has paid dividends for 5 consecutive years. Its most recent ex-dividend date occurred on August 5, 2026.

Wall Street coverage consists of 1 Strong Buy and 1 Buy rating, with no Hold, Sell, or Strong Sell recommendations. The mean price target is $27.00, implying an upside of 17.9% from the last close of $22.90. For FY2026 ending December 31, 2026, analysts estimate EPS of $1.90 on revenue of $73.2M. Over the last four quarters, the bank posted 4 EPS beats, and its next earnings date is October 28, 2026.

This page is an AI-written research summary of John Marshall Bancorp, Inc. (JMSB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: JMSB income statement, JMSB balance sheet, JMSB key metrics, JMSB analyst forecast, JMSB chart. See the JMSB stock overview for the latest quote and news.