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JMSB

BULLISH
$20.76 Live
John Marshall Bancorp, Inc. · NASDAQ
Target $23.0 (+10.8%)
$13.94 52W Range $21.58
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 12, 2026
Market cap
$295.07M
P/E
13.93
ROE
8.3%
Profit margin
34.8%
Debt/Equity
N/A
Dividend yield
1.88%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
JMSB presents a strong value opportunity, trading significantly below both its Graham Number ($25.09) and estimated Intrinsic Value ($43.95). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company demonstrates robust growth with earnings increasing 26.3% YoY. The valuation is attractive with a P/E of 13.93 and a low Price/Book of 1.11. Despite a heavily bearish technical trend (10/100), the fundamental divergence suggests a potential buying opportunity for long-term investors.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (26.3% YoY) and consistent quarterly beats
Very sustainable dividend payout ratio (20.13%)
Attractive valuation multiples (P/E 13.93, P/B 1.11)
Positive revenue growth (11.9% YoY) indicating expanding top-line

Key Risks

Severely bearish technical trend (10/100) suggesting strong short-term selling pressure
Limited analyst coverage (only 1 analyst providing a target)
Small market capitalization ($0.30B) may lead to higher volatility and lower liquidity
Average Piotroski F-Score (4/9) suggests room for improvement in operational efficiency
Regional bank sector exposure to interest rate volatility
AI Fair Value Estimate
Based on comprehensive analysis
$32.5
+56.6% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
71
Strong
Value
90
Future
85
Past
70
Health
50
Dividend
60
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, Strong earnings growth, Low payout ratio
Confidence
80%
Value
90/100

Ref P/E 13.93, Graham Number $25.09

Positives
  • Price $20.76 is below Graham Number $25.09
  • P/E is significantly lower than sector average
Watchpoints
  • Price/Sales is relatively high at 4.84
Future
85/100

Ref Growth rates and EPS track record

Positives
  • Earnings growth of 26.3% YoY
  • Consistent quarterly EPS surprises
Watchpoints
  • Revenue growth (11.9%) lags behind earnings growth
Past
70/100

Ref Historical price trends

Positives
  • Strong 1-year price performance (+45.7%)
Watchpoints
  • Stagnant 3-year change (+1.1%)
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Stable Piotroski F-Score (4/9)
Watchpoints
  • F-Score is not in the 'Strong' range (7-9)
  • Altman Z-Score not provided/applicable for bank structure
Dividend
60/100

Ref Yield 1.88%, Payout 20.13%

Positives
  • Very low payout ratio (20.13%) allows for future increases
Watchpoints
  • Low dividend yield (1.88%) compared to some regional peers

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$20.76
Analyst Target
$23.0
Upside/Downside
+10.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for JMSB and closest competitors.

Updated 2026-04-10
JMS
John Marshall Bancorp, Inc.
Primary
5Y
+30.4%
3Y
+1.1%
1Y
+45.7%
6M
+12.0%
1M
+4.5%
1W
+1.8%
BRW
Saba Capital Income & Opportunities Fund
Peer
5Y
+38.3%
3Y
+27.7%
1Y
+1.2%
6M
-12.8%
1M
+0.2%
1W
+0.1%
FUN
Sprott Focus Trust, Inc.
Peer
5Y
+76.1%
3Y
+49.8%
1Y
+51.6%
6M
+22.1%
1M
+2.6%
1W
+1.9%
GPA
General Purpose Acquisition Corp.
Peer
5Y
+0.3%
3Y
+0.3%
1Y
+0.3%
6M
+0.3%
1M
+0.2%
1W
0.0%
HCA
Hall Chadwick Acquisition Corp.
Peer
5Y
0.0%
3Y
0.0%
1Y
0.0%
6M
0.0%
1M
-0.4%
1W
-0.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
13.93
Forward P/E
10.87
PEG Ratio
N/A
P/B Ratio
1.11
P/S Ratio
4.84
EV/Revenue
4.09
EV/EBITDA
N/A
Market Cap
$295.07M

Profitability

Profit margins and return metrics

Profit Margin 34.84%
Operating Margin 49.3%
Gross Margin N/A
ROE 8.29%
ROA 0.93%

Growth

Revenue and earnings growth rates

Revenue Growth +11.9%
Earnings Growth +26.3%
Q/Q Revenue Growth +13.96%
Q/Q Earnings Growth +23.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$9.2

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
36.2%
Total Assets
$2.3B
Liabilities
$2.1B
Equity
$0.3B
Debt/Equity
7.78x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29
$N/A
2026-01-28
$0.42
+7.7% surprise
2025-10-29
$0.38
+2.7% surprise
2025-07-23
$0.36
+5.9% surprise

Financial Services Sector Comparison

Comparing JMSB against 362 companies in the Financial Services sector (63 bullish, 158 neutral, 141 bearish)
P/E Ratio
13.93
This Stock
vs
52.08
Sector Avg
-73.2% (Discount)
Return on Equity (ROE)
8.29%
This Stock
vs
-0.05%
Sector Avg
-15959.1% (Below Avg)
Profit Margin
34.84%
This Stock
vs
66.07%
Sector Avg
-47.3% (Weaker)
Revenue Growth
11.9%
This Stock
vs
43.38%
Sector Avg
-72.6% (Slower)

Similar Companies

Peer comparison within the same industry

JMSB John Marshall...
BULLISH
Mkt Cap
$295M
P/E
13.9
ROE
8.3%
Price
$20.76
BRW Saba Capital...
NEUTRAL
Mkt Cap
$295M
P/E
5.3
ROE
15.8%
Price
$6.88
 Compare with JMSB
FUND Sprott Focus...
BULLISH
Mkt Cap
$294M
P/E
5.4
ROE
20.1%
Price
$9.83
 Compare with JMSB
GPAC General...
NEUTRAL
Mkt Cap
$292M
P/E
-
ROE
-%
Price
$9.92
 Compare with JMSB
HCAC Hall Chadwick...
NEUTRAL
Mkt Cap
$290M
P/E
-
ROE
-%
Price
$9.94
 Compare with JMSB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

CARSTATER KENT
Chief Financial Officer
Stock Award
2025-12-16
3,088 shares
GARG SUBHASH
Director
Stock Award
2025-12-16
1,901 shares
GARCIA MICHAEL A
Director
Stock Award
2025-12-16
1,901 shares
BERGSTROM CHRISTOPHER W
Chief Executive Officer
Stock Award
2025-12-16
9,502 shares
KINNEY JONATHAN CRAIG
Director
Stock Award
2025-12-16
2,138 shares
ALLIN PHILIP W
Director
Stock Award
2025-12-16
1,901 shares
CHASE PHILIP
Director
Stock Award
2025-12-16
1,901 shares
FOSTER MICHAEL T
Director
Stock Award
2025-12-16
1,901 shares
MAHAN OSCAR LELAND
Director
Stock Award
2025-12-16
1,901 shares
PEDEN ANDREW J.
Officer
Stock Award
2025-12-16
2,376 shares
KINNEY JONATHAN CRAIG
Director
Buy
2025-12-05
500 shares · $9,815
KINNEY JONATHAN CRAIG
Director
Buy
2025-12-02
1,345 shares · $26,003
KINNEY JONATHAN CRAIG
Director
Buy
2025-11-06
500 shares · $9,450
KINNEY JONATHAN CRAIG
Director
Buy
2025-11-05
1,200 shares · $22,545
KINNEY JONATHAN CRAIG
Director
Buy
2025-10-31
500 shares · $9,425
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning JMSB from our newsroom.

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