20.27 USD
-0.47 (-2.27%)
20.27 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to JMSB. JMSB was compared to 383 industry peers in the Banks industry. JMSB has a bad profitability rating. Also its financial health evaluation is rather negative. JMSB has a decent growth rate and is not valued too expensively.
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.
- JMSB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- JMSB's Return On Assets of 0.86% is in line compared to the rest of the industry. JMSB outperforms 46.21% of its industry peers.
- With a Return On Equity value of 7.71%, JMSB is not doing good in the industry: 61.10% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 7.71% | ||
| ROIC | N/A |
ROA(3y)0.78%
ROA(5y)0.9%
ROE(3y)8.01%
ROE(5y)9.24%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- JMSB has a better Profit Margin (33.02%) than 86.16% of its industry peers.
- JMSB's Profit Margin has declined in the last couple of years.
- 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) | 33.02% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.27%
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.
- Compared to 1 year ago, JMSB has more shares outstanding
- Compared to 1 year ago, JMSB has a worse debt to assets ratio.
2.2 Solvency
- JMSB has a debt to FCF ratio of 1.25. This is a very positive value and a sign of high solvency as it would only need 1.25 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.25, JMSB is in line with its industry, outperforming 59.53% of the companies in the same industry.
- A Debt/Equity ratio of 0.10 indicates that JMSB is not too dependend on debt financing.
- JMSB has a better Debt to Equity ratio (0.10) than 69.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- JMSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.95%, which is quite good.
- The earnings per share for JMSB have been decreasing by -13.09% on average. This is quite bad
- Looking at the last year, JMSB shows a quite strong growth in Revenue. The Revenue has grown by 17.46% in the last year.
- The Revenue has been decreasing by -7.62% on average over the past years.
EPS 1Y (TTM)17.95%
EPS 3Y-13.09%
EPS 5YN/A
EPS Q2Q%26.67%
Revenue 1Y (TTM)17.46%
Revenue growth 3Y-7.62%
Revenue growth 5YN/A
Sales Q2Q%15.42%
3.2 Future
- JMSB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.91% yearly.
- The Revenue is expected to grow by 13.68% on average over the next years. This is quite good.
EPS Next Y24.49%
EPS Next 2Y22.74%
EPS Next 3Y18.91%
EPS Next 5YN/A
Revenue Next Year20.33%
Revenue Next 2Y16.46%
Revenue Next 3Y13.68%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 14.48, JMSB is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of JMSB indicates a slightly more expensive valuation: JMSB is more expensive than 64.23% of the companies listed in the same industry.
- JMSB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 11.20, the valuation of JMSB can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as JMSB.
- JMSB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.48 | ||
| Fwd PE | 11.2 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, JMSB is valued a bit more expensive than 60.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.43 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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 18.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y22.74%
EPS Next 3Y18.91%
5. Dividend
5.1 Amount
- JMSB has a Yearly Dividend Yield of 1.50%.
- JMSB's Dividend Yield is slightly below the industry average, which is at 2.84.
- JMSB's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
5.2 History
- JMSB has paid a dividend for less than 5 years, so there is no long track record yet.
- 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
- 21.33% of the earnings are spent on dividend by JMSB. This is a low number and sustainable payout ratio.
DP21.33%
EPS Next 2Y22.74%
EPS Next 3Y18.91%
JOHN MARSHALL BANCORP INC / JMSB FAQ
What is the fundamental rating for JMSB stock?
ChartMill assigns a fundamental rating of 3 / 10 to JMSB.
Can you provide the valuation status for JOHN MARSHALL BANCORP INC?
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.
How financially healthy is JOHN MARSHALL BANCORP INC?
The financial health rating of JOHN MARSHALL BANCORP INC (JMSB) is 2 / 10.
Is the dividend of JOHN MARSHALL BANCORP INC sustainable?
The dividend rating of JOHN MARSHALL BANCORP INC (JMSB) is 3 / 10 and the dividend payout ratio is 21.33%.