20 USD
+0.02 (+0.1%)
20 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to JMSB. JMSB was compared to 387 industry peers in the Banks industry. JMSB may be in some trouble as it scores bad on both profitability and health. JMSB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year JMSB was profitable.
In the past year JMSB had a positive cash flow from operations.
JMSB had positive earnings in each of the past 5 years.
In the past 5 years JMSB always reported a positive cash flow from operatings.
1.2 Ratios
JMSB has a Return On Assets (0.83%) which is in line with its industry peers.
JMSB has a worse Return On Equity (7.43%) than 62.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.43% | ||
| ROIC | N/A |
ROA(3y)0.78%
ROA(5y)0.9%
ROE(3y)8%
ROE(5y)9.23%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 32.43%, JMSB belongs to the best of the industry, outperforming 86.82% of the companies in the same industry.
JMSB's Profit Margin has declined in the last couple of years.
JMSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32.43% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.39%
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 remains at a similar level compared to 1 year ago.
Compared to 1 year ago, JMSB has a worse debt to assets ratio.
2.2 Solvency
JMSB has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.24, JMSB is doing good in the industry, outperforming 60.98% of the companies in the same industry.
JMSB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
JMSB's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. JMSB outperforms 69.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 680.97% over the past year.
JMSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.12% yearly.
The Revenue has grown by 76.18% in the past year. This is a very strong growth!
JMSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.62% yearly.
EPS 1Y (TTM)680.97%
EPS 3Y-13.12%
EPS 5YN/A
EPS Q2Q%31.34%
Revenue 1Y (TTM)76.18%
Revenue growth 3Y-7.62%
Revenue growth 5YN/A
Sales Q2Q%22.14%
3.2 Future
The Earnings Per Share is expected to grow by 18.95% on average over the next years. This is quite good.
JMSB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.68% yearly.
EPS Next Y24.61%
EPS Next 2Y22.8%
EPS Next 3Y18.95%
EPS Next 5YN/A
Revenue Next Year20.33%
Revenue Next 2Y16.46%
Revenue Next 3Y13.68%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 15.04, which indicates a correct valuation of JMSB.
Based on the Price/Earnings ratio, JMSB is valued a bit more expensive than the industry average as 69.51% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of JMSB to the average of the S&P500 Index (26.31), we can say JMSB is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 11.05, the valuation of JMSB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of JMSB is on the same level as its industry peers.
JMSB is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.56, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.04 | ||
| Fwd PE | 11.05 |
4.2 Price Multiples
JMSB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
JMSB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
JMSB's earnings are expected to grow with 18.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)N/A
EPS Next 2Y22.8%
EPS Next 3Y18.95%
5. Dividend
5.1 Amount
JMSB has a Yearly Dividend Yield of 1.50%. Purely for dividend investing, there may be better candidates out there.
JMSB's Dividend Yield is slightly below the industry average, which is at 3.15.
Compared to the average S&P500 Dividend Yield of 2.32, JMSB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
5.2 History
JMSB has been paying a dividend for less than 5 years, so it still needs to build a track record.
JMSB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
JMSB pays out 22.64% of its income as dividend. This is a sustainable payout ratio.
DP22.64%
EPS Next 2Y22.8%
EPS Next 3Y18.95%
20
+0.02 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.98%
Inst Owner Change0.38%
Ins Owners12.3%
Ins Owner Change1.39%
Market Cap283.60M
Revenue(TTM)58.16M
Net Income(TTM)18.86M
Analysts82.86
Price Target23.46 (17.3%)
Short Float %0.57%
Short Ratio3.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP22.64%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.8%
Revenue NY rev (3m)0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.04 | ||
| Fwd PE | 11.05 | ||
| P/S | 4.88 | ||
| P/FCF | 14.07 | ||
| P/OCF | 13.5 | ||
| P/B | 1.12 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.33
EY6.65%
EPS(NY)1.81
Fwd EY9.05%
FCF(TTM)1.42
FCFY7.11%
OCF(TTM)1.48
OCFY7.4%
SpS4.1
BVpS17.91
TBVpS17.91
PEG (NY)0.61
PEG (5Y)N/A
Graham Number23.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.43% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.43% | ||
| GM | N/A | ||
| FCFM | 34.65% |
ROA(3y)0.78%
ROA(5y)0.9%
ROE(3y)8%
ROE(5y)9.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.39%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 177.08% | ||
| Cap/Sales | 1.46% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 106.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC18.5%
ROIC/WACCN/A
Cap/Depr(3y)87.44%
Cap/Depr(5y)75.79%
Cap/Sales(3y)0.95%
Cap/Sales(5y)0.87%
Profit Quality(3y)179.9%
Profit Quality(5y)158.82%
High Growth Momentum
Growth
EPS 1Y (TTM)680.97%
EPS 3Y-13.12%
EPS 5YN/A
EPS Q2Q%31.34%
EPS Next Y24.61%
EPS Next 2Y22.8%
EPS Next 3Y18.95%
EPS Next 5YN/A
Revenue 1Y (TTM)76.18%
Revenue growth 3Y-7.62%
Revenue growth 5YN/A
Sales Q2Q%22.14%
Revenue Next Year20.33%
Revenue Next 2Y16.46%
Revenue Next 3Y13.68%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-24.16%
FCF growth 3Y-19.78%
FCF growth 5YN/A
OCF growth 1Y-22.42%
OCF growth 3Y-19.3%
OCF growth 5YN/A
JOHN MARSHALL BANCORP INC / JMSB FAQ
What is the fundamental rating for JMSB stock?
ChartMill assigns a fundamental rating of 4 / 10 to JMSB.
What is the valuation status for JMSB stock?
ChartMill assigns a valuation rating of 4 / 10 to JOHN MARSHALL BANCORP INC (JMSB). This can be considered as Fairly Valued.
Can you provide the profitability details for JOHN MARSHALL BANCORP INC?
JOHN MARSHALL BANCORP INC (JMSB) has a profitability rating of 3 / 10.
What are the PE and PB ratios of JOHN MARSHALL BANCORP INC (JMSB) stock?
The Price/Earnings (PE) ratio for JOHN MARSHALL BANCORP INC (JMSB) is 15.04 and the Price/Book (PB) ratio is 1.12.
What is the expected EPS growth for JOHN MARSHALL BANCORP INC (JMSB) stock?
The Earnings per Share (EPS) of JOHN MARSHALL BANCORP INC (JMSB) is expected to grow by 24.61% in the next year.