John Marshall Bancorp, Inc. logo

John Marshall Bancorp, Inc.

JMSB

NASDAQFinancial ServicesBanks - Regional

Previous close

$23.25

+$0.23 · +1.00%

Aug 21, 4:00 PM ET

JMSB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

82

Deep Value

Momentum

50

Neutral

Sentiment

68

Bullish

Risk resilience

81

Low Risk

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Company profile

Company website

John Marshall Bancorp, Inc. functions as the parent entity for John Marshall Bank, which offers a comprehensive array of banking products and financial services. The institution provides various deposit options, including checking, demand, NOW, savings, and money market accounts, as well as certificates of deposit. For its clientele, the bank extends diverse lending solutions, such as commercial loans, construction and development financing, commercial term loans, mortgage services, commercial real estate loans, and a range of industrial and other commercial lines of credit. Beyond core lending and deposit products, John Marshall Bank also furnishes essential financial tools like debit and credit cards, alongside specialized services such as treasury and cash management, investment offerings, business and personal insurance, remote deposit capture, deposit sweep, and convenient online and mobile banking platforms. The bank's customer base is broad, catering to small to medium-sized businesses, their owners and employees, professional corporations, non-profit organizations, and individual clients. Established in 2005, John Marshall Bancorp, Inc. has its headquarters in Reston, Virginia. It maintains eight full-service branches spread across Alexandria, Reston, Arlington, Washington, Loudoun, Prince William, Rockville, and Tysons, complemented by a loan production office in Arlington, Virginia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Christopher W. Bergstrom
Listed since
Mar 2, 2017
Employees
140

Market position

Day range

Current $23.25

52-week range

Current $23.25

Open
$23.18
Previous close
$23.02
Volume
23.9K
0.54× average
Average volume
44.55K
Average daily volume
Market cap
328.11M USD
Beta
0.42
Market reference 1
50-day average
$22.4456
+3.58% above average
200-day average
$20.88
+11.35% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
239.37M USD
P/E (TTM)
13.44×
P/B (TTM)
1.2×
P/S (TTM)
2.75×
EV / EBITDA
8.28×
Earnings yield
7.49%
Free cash flow yield
7.77%
Dividend yield
1.20%

Profitability & efficiency

Gross margin
55.80%
Operating margin
26.13%
Net margin
20.46%
Return on equity
7.99%
Return on assets
0.91%
Return on invested capital
5.93%

Financial health

Debt / equity
0.46×
Current ratio
0.08×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends93%61%30%-2%Gross margin, FY2021: 85.08%Gross margin, FY2022: 83.88%Gross margin, FY2023: 45.20%Gross margin, FY2024: 47.76%Gross margin, FY2025: 52.85%Operating margin, FY2021: 42.54%Operating margin, FY2022: 46.72%Operating margin, FY2023: 9.30%Operating margin, FY2024: 19.46%Operating margin, FY2025: 23.74%Net margin, FY2021: 33.57%Net margin, FY2022: 37.09%Net margin, FY2023: 6.01%Net margin, FY2024: 15.23%Net margin, FY2025: 18.41%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 85.08%. Gross margin FY2022 83.88%. Gross margin FY2023 45.20%. Gross margin FY2024 47.76%. Gross margin FY2025 52.85%. Operating margin FY2021 42.54%. Operating margin FY2022 46.72%. Operating margin FY2023 9.30%. Operating margin FY2024 19.46%. Operating margin FY2025 23.74%. Net margin FY2021 33.57%. Net margin FY2022 37.09%. Net margin FY2023 6.01%. Net margin FY2024 15.23%. Net margin FY2025 18.41%.

Income trends

Revenue

115.33M USD+2.60%

Operating income

27.38M USD+25.16%

Net income

21.23M USD+24.02%
Income trends across reported periods126.35M USD82.28M USD38.21M USD−5.86M USDRevenue, FY2021: 75.84M USDRevenue, FY2022: 85.76M USDRevenue, FY2023: 85.83M USDRevenue, FY2024: 112.4M USDRevenue, FY2025: 115.33M USDOperating income, FY2021: 32.26M USDOperating income, FY2022: 40.06M USDOperating income, FY2023: 7.98M USDOperating income, FY2024: 21.88M USDOperating income, FY2025: 27.38M USDNet income, FY2021: 25.46M USDNet income, FY2022: 31.8M USDNet income, FY2023: 5.16M USDNet income, FY2024: 17.12M USDNet income, FY2025: 21.23M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 75.84M USD. Revenue FY2022 85.76M USD. Revenue FY2023 85.83M USD. Revenue FY2024 112.4M USD. Revenue FY2025 115.33M USD. Operating income FY2021 32.26M USD. Operating income FY2022 40.06M USD. Operating income FY2023 7.98M USD. Operating income FY2024 21.88M USD. Operating income FY2025 27.38M USD. Net income FY2021 25.46M USD. Net income FY2022 31.8M USD. Net income FY2023 5.16M USD. Net income FY2024 17.12M USD. Net income FY2025 21.23M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue115.33M USD112.4M USD85.83M USD85.76M USD75.84M USD
Cost of goods sold54.38M USD58.72M USD47.03M USD13.82M USD11.32M USD
Gross profit60.95M USD53.69M USD38.8M USD71.94M USD64.52M USD
Selling, general, and administrative22.77M USD21.4M USD21.64M USD21.8M USD22.49M USD
Operating expenses33.57M USD31.81M USD30.82M USD31.87M USD32.26M USD
Interest income113.26M USD109.74M USD100.47M USD83.82M USD73.86M USD
Interest expense52.69M USD59.09M USD50.29M USD13.65M USD8.21M USD
Depreciation and amortization1.52M USD1.68M USD1.72M USD1.92M USD2.23M USD
Operating income27.38M USD21.88M USD7.98M USD40.06M USD32.26M USD
Net income21.23M USD17.12M USD5.16M USD31.8M USD25.46M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
5 beats, 0 misses, 0 met estimates
Average EPS surprise
+7.74%
5 comparable reports
Latest EPS result
0.5
Estimate 0.44 · Beat by 14.94%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.540.460.380.3Q1 '25No estimateQ2 '25No estimateQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 28, 2025: actual 0.336, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 23, 2025: actual 0.34, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 23, 2025: actual 0.36, estimate 0.34, surprise +5.88%, Beat. Q4 2025, reported Oct 29, 2025: actual 0.38, estimate 0.37, surprise +2.70%, Beat. Q1 2026, reported Jan 28, 2026: actual 0.42, estimate 0.39, surprise +7.69%, Beat. Q2 2026, reported Apr 29, 2026: actual 0.43, estimate 0.4, surprise +7.50%, Beat. Q3 2026, reported Jul 22, 2026: actual 0.5, estimate 0.435, surprise +14.94%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 0.49, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates29.41M24.37M19.34M14.3MQ1 '25No estimateQ2 '25No estimateQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 28, 2025: actual 28.28M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 23, 2025: actual 27.81M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 23, 2025: actual 15.43M USD, estimate 15.52M USD, surprise -0.53%, Miss. Q4 2025, reported Oct 29, 2025: actual 16.25M USD, estimate 16.45M USD, surprise -1.17%, Miss. Q1 2026, reported Jan 28, 2026: actual 16.35M USD, estimate 16.54M USD, surprise -1.13%, Miss. Q2 2026, reported Apr 29, 2026: actual 16.79M USD, estimate 16.48M USD, surprise +1.91%, Beat. Q3 2026, reported Jul 22, 2026: actual 18.78M USD, estimate 17.41M USD, surprise +7.87%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 18.66M USD, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Dividend

Ex-dividend Aug 5, 2026

$0.10

Quarterly

Record Aug 5, 2026 · Payment Aug 26, 2026

Dividend

Ex-dividend May 13, 2026

$0.09

Semi-Annual

Record May 13, 2026 · Payment Jun 3, 2026

Dividend

Ex-dividend Feb 11, 2026

$0.09

Semi-Annual

Record Feb 11, 2026 · Payment Mar 4, 2026

Dividend

Ex-dividend Jun 27, 2025

$0.30

Annual

Record Jun 27, 2025 · Payment Jul 7, 2025

Dividend

Ex-dividend Jun 28, 2024

$0.25

Annual

Record Jun 28, 2024 · Payment Jul 8, 2024

Dividend

Ex-dividend Jun 26, 2023

$0.22

Annual

Record Jun 27, 2023 · Payment Jul 6, 2023

JMSB peers

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