JOHN MARSHALL BANCORP INC (JMSB) Fundamental Analysis & Valuation

NASDAQ:JMSB • US47805L1017

Current stock price

19.715 USD
-0.25 (-1.23%)
At close:
19.715 USD
0 (0%)
After Hours:

This JMSB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. JMSB Profitability Analysis

1.1 Basic Checks

  • In the past year JMSB was profitable.
  • In the past year JMSB had a positive cash flow from operations.
  • Each year in the past 5 years JMSB has been profitable.
  • In the past 5 years JMSB always reported a positive cash flow from operatings.
JMSB Yearly Net Income VS EBIT VS OCF VS FCFJMSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • JMSB has a Return On Assets (0.86%) which is in line with its industry peers.
  • JMSB has a worse Return On Equity (7.71%) than 62.47% of its industry peers.
Industry RankSector 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
JMSB Yearly ROA, ROE, ROICJMSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 33.02%, JMSB belongs to the top of the industry, outperforming 85.30% 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 RankSector 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
JMSB Yearly Profit, Operating, Gross MarginsJMSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 10 20 30 40

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3

2. JMSB Health Analysis

2.1 Basic Checks

  • JMSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • JMSB has more shares outstanding than it did 1 year ago.
  • The debt/assets ratio for JMSB is higher compared to a year ago.
JMSB Yearly Shares OutstandingJMSB Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 5M 10M
JMSB Yearly Total Debt VS Total AssetsJMSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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.
  • JMSB has a Debt to FCF ratio of 1.25. This is in the better half of the industry: JMSB outperforms 62.99% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that JMSB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.10, JMSB is in the better half of the industry, outperforming 69.03% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.25
Altman-Z N/A
ROIC/WACCN/A
WACC18.82%
JMSB Yearly LT Debt VS Equity VS FCFJMSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
JMSB Yearly Current Assets VS Current LiabilitesJMSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2M 4M 6M 8M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. JMSB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.95% over the past year.
  • 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.
  • JMSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.62% yearly.
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

  • The Earnings Per Share is expected to grow by 18.31% 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 13.09% yearly.
EPS Next Y24.49%
EPS Next 2Y20.15%
EPS Next 3Y18.31%
EPS Next 5YN/A
Revenue Next Year20.33%
Revenue Next 2Y14.81%
Revenue Next 3Y13.09%
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.
JMSB Yearly Revenue VS EstimatesJMSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
JMSB Yearly EPS VS EstimatesJMSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.5 1 1.5

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4

4. JMSB Valuation Analysis

4.1 Price/Earnings Ratio

  • JMSB is valuated correctly with a Price/Earnings ratio of 14.08.
  • 70.60% 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 (26.11), we can say JMSB is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 11.37, which indicates a very decent valuation of JMSB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of JMSB indicates a slightly more expensive valuation: JMSB is more expensive than 63.78% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of JMSB to the average of the S&P500 Index (24.12), we can say JMSB is valued rather cheaply.
Industry RankSector Rank
PE 14.08
Fwd PE 11.37
JMSB Price Earnings VS Forward Price EarningsJMSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • JMSB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. JMSB is more expensive than 60.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14
EV/EBITDA N/A
JMSB Per share dataJMSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
  • A more expensive valuation may be justified as JMSB's earnings are expected to grow with 18.31% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y20.15%
EPS Next 3Y18.31%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. JMSB Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.46%, JMSB is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.46, JMSB pays less dividend than the industry average, which is at 2.90. 86.61% of the companies listed in the same industry pay a better dividend than JMSB!
  • With a Dividend Yield of 0.46, JMSB pays less dividend than the S&P500 average, which is at 1.91.
Industry RankSector Rank
Dividend Yield 0.46%

5.2 History

  • JMSB has been paying a dividend for over 5 years, so it has already some 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
JMSB Yearly Dividends per shareJMSB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • JMSB pays out 21.33% of its income as dividend. This is a sustainable payout ratio.
DP21.33%
EPS Next 2Y20.15%
EPS Next 3Y18.31%
JMSB Yearly Income VS Free CF VS DividendJMSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 10M 20M 30M
JMSB Dividend Payout.JMSB Dividend Payout, showing the Payout Ratio.JMSB Dividend Payout.PayoutRetained Earnings

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JMSB Fundamentals: All Metrics, Ratios and Statistics

JOHN MARSHALL BANCORP INC

NASDAQ:JMSB (3/17/2026, 8:27:07 PM)

After market: 19.715 0 (0%)

19.715

-0.25 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners48.91%
Inst Owner Change-18.04%
Ins Owners12.59%
Ins Owner Change1.84%
Market Cap278.97M
Revenue(TTM)60.64M
Net Income(TTM)20.02M
Analysts82.86
Price Target23.46 (19%)
Short Float %0.67%
Short Ratio3.47
Dividend
Industry RankSector Rank
Dividend Yield 0.46%
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP21.33%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-11
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%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.08
Fwd PE 11.37
P/S 4.6
P/FCF 14
P/OCF 13.47
P/B 1.07
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)1.4
EY7.1%
EPS(NY)1.73
Fwd EY8.8%
FCF(TTM)1.41
FCFY7.14%
OCF(TTM)1.46
OCFY7.42%
SpS4.29
BVpS18.35
TBVpS18.35
PEG (NY)0.58
PEG (5Y)N/A
Graham Number24.04
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 7.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.02%
GM N/A
FCFM 32.86%
ROA(3y)0.78%
ROA(5y)0.9%
ROE(3y)8.01%
ROE(5y)9.24%
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-5.27%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.25
Debt/EBITDA N/A
Cap/Depr 157.2%
Cap/Sales 1.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC18.82%
ROIC/WACCN/A
Cap/Depr(3y)87.69%
Cap/Depr(5y)75.94%
Cap/Sales(3y)0.95%
Cap/Sales(5y)0.87%
Profit Quality(3y)180.27%
Profit Quality(5y)159.04%
High Growth Momentum
Growth
EPS 1Y (TTM)17.95%
EPS 3Y-13.09%
EPS 5YN/A
EPS Q2Q%26.67%
EPS Next Y24.49%
EPS Next 2Y20.15%
EPS Next 3Y18.31%
EPS Next 5YN/A
Revenue 1Y (TTM)17.46%
Revenue growth 3Y-7.62%
Revenue growth 5YN/A
Sales Q2Q%15.42%
Revenue Next Year20.33%
Revenue Next 2Y14.81%
Revenue Next 3Y13.09%
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-0.73%
FCF growth 3Y-19.37%
FCF growth 5YN/A
OCF growth 1Y0.68%
OCF growth 3Y-18.9%
OCF growth 5YN/A

JOHN MARSHALL BANCORP INC / JMSB Fundamental Analysis FAQ

What is the fundamental rating for JMSB stock?

ChartMill assigns a fundamental rating of 4 / 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 3 / 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%.