20.27 USD
-0.04 (-0.2%)
We assign a fundamental rating of 3 out of 10 to JMSB. JMSB was compared to 388 industry peers in the Banks industry. JMSB may be in some trouble as it scores bad on both profitability and health. JMSB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
JMSB had positive earnings in the past year.
JMSB had a positive operating cash flow in the past year.
Each year in the past 5 years JMSB has been profitable.
Each year in the past 5 years JMSB had a positive operating cash flow.
1.2 Ratios
The Return On Assets of JMSB (0.86%) is comparable to the rest of the industry.
JMSB has a worse Return On Equity (7.71%) than 60.82% of its industry peers.
| 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's Profit Margin of 33.02% is amongst the best of the industry. JMSB outperforms 86.34% of its industry peers.
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) | 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
JMSB has a worse debt/assets ratio than last year.
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 (1.25) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.10 indicates that JMSB is not too dependend on debt financing.
JMSB has a Debt to Equity ratio of 0.10. This is in the better half of the industry: JMSB outperforms 69.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.55%
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 nice 17.95% over the past year.
Measured over the past years, JMSB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.09% on average per year.
The Revenue has grown by 17.46% in the past year. This is quite good.
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
Based on estimates for the next years, JMSB will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.91% on average per year.
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 Y24.49%
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
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
JMSB is valuated correctly with a Price/Earnings ratio of 14.48.
JMSB's Price/Earnings ratio is a bit more expensive when compared to the industry. JMSB is more expensive than 63.40% of the companies in the same industry.
When comparing the Price/Earnings ratio of JMSB to the average of the S&P500 Index (26.59), we can say JMSB is valued slightly cheaper.
With a Price/Forward Earnings ratio of 11.20, the valuation of JMSB can be described as very reasonable.
JMSB's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of JMSB to the average of the S&P500 Index (24.03), we can say JMSB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.48 | ||
| Fwd PE | 11.2 |
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 61.34% 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
With a Yearly Dividend Yield of 1.41%, JMSB has a reasonable but not impressive dividend return.
JMSB's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to the average S&P500 Dividend Yield of 1.87, JMSB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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%
NASDAQ:JMSB (12/24/2025, 7:42:08 PM)
20.27
-0.04 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.24%
Inst Owner Change0.38%
Ins Owners12.36%
Ins Owner Change2.92%
Market Cap287.43M
Revenue(TTM)60.64M
Net Income(TTM)20.02M
Analysts82.86
Price Target23.46 (15.74%)
Short Float %0.78%
Short Ratio4.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP21.33%
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)-0.51%
EPS NY rev (1m)0%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.48 | ||
| Fwd PE | 11.2 | ||
| P/S | 4.74 | ||
| P/FCF | 14.43 | ||
| P/OCF | 13.88 | ||
| P/B | 1.11 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.4
EY6.91%
EPS(NY)1.81
Fwd EY8.93%
FCF(TTM)1.41
FCFY6.93%
OCF(TTM)1.46
OCFY7.21%
SpS4.28
BVpS18.31
TBVpS18.31
PEG (NY)0.59
PEG (5Y)N/A
Graham Number24.02
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC18.55%
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 2Y22.74%
EPS Next 3Y18.91%
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 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-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 FAQ
What is the fundamental rating for JMSB stock?
ChartMill assigns a fundamental rating of 3 / 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 14.48 and the Price/Book (PB) ratio is 1.11.
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 24.49% in the next year.