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JOHN MARSHALL BANCORP INC (JMSB) Stock Fundamental Analysis

NASDAQ:JMSB - Nasdaq - US47805L1017 - Common Stock - Currency: USD

17.31  -0.16 (-0.92%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to JMSB. JMSB was compared to 397 industry peers in the Banks industry. JMSB has a bad profitability rating. Also its financial health evaluation is rather negative. JMSB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year JMSB was profitable.
JMSB had a positive operating cash flow in the past year.
In the past 5 years JMSB has always been profitable.
Each year in the past 5 years JMSB had a positive operating cash flow.
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 (0.76%) which is comparable to the rest of the industry.
JMSB's Return On Equity of 6.92% is on the low side compared to the rest of the industry. JMSB is outperformed by 63.48% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 6.92%
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

With an excellent Profit Margin value of 32.00%, JMSB belongs to the best of the industry, outperforming 87.15% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 32%
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. 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.
Compared to 1 year ago, JMSB has a worse debt to assets ratio.
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

The Debt to FCF ratio of JMSB is 1.48, which is an excellent value as it means it would take JMSB, only 1.48 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of JMSB (1.48) is better than 60.71% of its industry peers.
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 72.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC19.76%
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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2

3. Growth

3.1 Past

JMSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 233.02%, which is quite impressive.
JMSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.09% yearly.
The Revenue has grown by 49.97% in the past year. This is a very strong growth!
The Revenue has been decreasing by -7.62% on average over the past years.
EPS 1Y (TTM)233.02%
EPS 3Y-13.09%
EPS 5YN/A
EPS Q2Q%4.33%
Revenue 1Y (TTM)49.97%
Revenue growth 3Y-7.62%
Revenue growth 5YN/A
Sales Q2Q%13.4%

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.
JMSB Yearly Revenue VS EstimatesJMSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 20M 40M 60M

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.42 indicates a correct valuation of JMSB.
Based on the Price/Earnings ratio, JMSB is valued a bit more expensive than the industry average as 67.76% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of JMSB to the average of the S&P500 Index (28.18), we can say JMSB is valued slightly cheaper.
Industry RankSector Rank
PE 14.43
Fwd PE N/A
JMSB Price Earnings VS Forward Price EarningsJMSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of JMSB indicates a slightly more expensive valuation: JMSB is more expensive than 60.71% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.76
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

JMSB has a Yearly Dividend Yield of 1.76%.
JMSB's Dividend Yield is slightly below the industry average, which is at 3.50.
JMSB's Dividend Yield is slightly below the S&P500 average, which is at 2.45.
Industry RankSector Rank
Dividend Yield 1.76%

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 Years2
Div Non Decr Years2
JMSB Yearly Dividends per shareJMSB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

20.85% of the earnings are spent on dividend by JMSB. This is a low number and sustainable payout ratio.
DP20.85%
EPS Next 2YN/A
EPS Next 3YN/A
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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JOHN MARSHALL BANCORP INC

NASDAQ:JMSB (5/5/2025, 10:34:45 AM)

17.31

-0.16 (-0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23
Earnings (Next)N/A N/A
Inst Owners46.21%
Inst Owner Change-1.19%
Ins Owners12.05%
Ins Owner Change2.32%
Market Cap247.53M
AnalystsN/A
Price TargetN/A
Short Float %0.41%
Short Ratio2.22
Dividend
Industry RankSector Rank
Dividend Yield 1.76%
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP20.85%
Div Incr Years2
Div Non Decr Years2
Ex-Date06-27 2025-06-27 (0.3)
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.43
Fwd PE N/A
P/S 4.64
P/FCF 14.76
P/OCF 14.34
P/B 1
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.2
EY6.93%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.17
FCFY6.78%
OCF(TTM)1.21
OCFY6.97%
SpS3.73
BVpS17.25
TBVpS17.25
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 6.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32%
GM N/A
FCFM 31.46%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.48
Debt/EBITDA N/A
Cap/Depr 28.72%
Cap/Sales 0.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC19.76%
ROIC/WACCN/A
Cap/Depr(3y)30.99%
Cap/Depr(5y)41.92%
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)233.02%
EPS 3Y-13.09%
EPS 5YN/A
EPS Q2Q%4.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)49.97%
Revenue growth 3Y-7.62%
Revenue growth 5YN/A
Sales Q2Q%13.4%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
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-3.54%
FCF growth 3Y-19.37%
FCF growth 5YN/A
OCF growth 1Y-4.14%
OCF growth 3Y-18.9%
OCF growth 5YN/A