JOHN MARSHALL BANCORP INC (JMSB)
US47805L1017 - Common Stock
Overall JMSB gets a fundamental rating of 1 out of 10. We evaluated JMSB against 411 industry peers in the Banks industry. Both the profitability and financial health of JMSB have multiple concerns. JMSB is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year JMSB was profitable.
JMSB had a positive operating cash flow in the past year.
1.2 Ratios
With a Return On Assets value of 0.23%, JMSB is not doing good in the industry: 89.08% of the companies in the same industry are doing better.
JMSB has a worse Return On Equity (2.23%) than 89.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.23% | ||
| ROE | 2.23% | ||
| ROIC | N/A |
ROA(3y)0.92%
ROA(5y)N/A
ROE(3y)9.78%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 14.45%, JMSB is doing worse than 79.85% of the companies in the same industry.
In the last couple of years the Profit Margin of JMSB has declined.
The Operating Margin and Gross Margin are not available for JMSB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 14.45% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.02%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
JMSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for JMSB has been increased compared to 1 year ago.
JMSB has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of JMSB is 1.42, which is an excellent value as it means it would take JMSB, only 1.42 years of fcf income to pay off all of its debts.
JMSB has a Debt to FCF ratio of 1.42. This is in the better half of the industry: JMSB outperforms 70.39% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that JMSB is not too dependend on debt financing.
The Debt to Equity ratio of JMSB (0.11) is better than 74.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
JMSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -89.90%.
JMSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.59% yearly.
The Revenue for JMSB has decreased by -51.95% in the past year. This is quite bad
JMSB shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -15.28% yearly.
EPS 1Y (TTM)-89.9%
EPS 3Y-35.59%
EPS 5YN/A
EPS growth Q2Q-32.63%
Revenue 1Y (TTM)-51.95%
Revenue growth 3Y-15.28%
Revenue growth 5YN/A
Revenue growth Q2Q-16.48%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 78.41, JMSB can be considered very expensive at the moment.
92.48% of the companies in the same industry are cheaper than JMSB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of JMSB to the average of the S&P500 Index (28.60), we can say JMSB is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.41 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, JMSB is valued a bit more expensive than 69.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.44%, JMSB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.65, JMSB is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.32, JMSB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
5.2 History
JMSB has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
60.50% of the earnings are spent on dividend by JMSB. This is not a sustainable payout ratio.
DP60.5%
EPS Next 2YN/A
EPS Next 3YN/A
JOHN MARSHALL BANCORP INC
NASDAQ:JMSB (5/17/2024, 7:08:29 PM)
After market: 17.25 0 (0%)17.25
-0.09 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap245.29M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.41 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.23% | ||
| ROE | 2.23% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 14.45% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-89.9%
EPS 3Y-35.59%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-51.95%
Revenue growth 3Y-15.28%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y