Pricing Log in Create free account
Friday 6 November 2026 Export JMSB’s income statement to Excel — free account

John Marshall Bancorp, Inc.

JMSB Financial Banks Regional

John Marshall Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $115.3 million, up 2.60% from fiscal 2024.

Revenue
+6.64%
EPS
+39.5%
Free cash flow
−31.7%
Total debt
+24.2%

Quarter to September 2026, against a year earlier

23.03 0.13 +0.57%
Market cap
$323.2M
P/E
12.2×
Fwd P/E
11.8×
Dividend yield
1.22%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.15
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 2 — — — — — 2 — 2 — — —
Sell — — — — — — — — — — — —
Insider Ownership 12.28%

Capital & Financial Ratios $m

Size
Market Cap 323.17
Revenue ttm 121.70
Net income ttm 26.58
Free cash flow ttm 27.83
Net debt Q (191.09)
Valuation
P/E 12.17
Forward P/E 11.80
Price / sales 2.64
Forward P/S Powerpack
Price / FCF 11.57
Price / book 1.16
Financial health
Current ratio Q 1.08
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +6.64% (above 0%: growing)
Operating income growth Q +41.26% (above 0%: growing)
EPS, this year +29.19% (at or above 15%: strong)
EPS, next year A +37.40% (at or above 15%: strong)
Revenue, next year A −36.54% (below 0%: weak)
EPS, past 5 yrs +1.99%
EPS, next 5 yrs A +26.55% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 29.42%
10-year low 10-year high
P/S against its own 10 years 35.50%
10-year low 10-year high
P/B against its own 10 years 49.55%
10-year low 10-year high

Dividends raised every year since 2023

Yield
1.22%
Annual rate
0.28
Payout ratio
14.9%
Growth, 2023–26
+20.0%/yr
  1. 0.22 ’23
  2. 0.25 ’24 +14
  3. 0.30 ’25 +20
  4. 0.38 ’26 +27
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 99 122 130 191
Receivables — — — —
Inventory — — — —
Other — — — —
1,946 1,982 2,091 —
2023 2024 2025 Q'26
Payables 1,907 1,892 1,972 2,064
ST’ Debt — — — —
Other — — — —
1,965 1,895 1,974 —

Compound Annual Growth %

10y 5y 3y
Sales — 14.61% 10.38%
Cash Flow — (1.56%) (12.01%)
Earnings — 2.77% (12.71%)
Book Value — 7.39% 7.67%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.50 Actual 0.55

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY26 0.40 0.43 Beat by 0.03
Q2 FY26 0.44 0.50 Beat by 0.06
Q3 FY26 0.50 0.55 Beat by 0.05
Q4 FY26 0.52 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.43 0.50 0.53 — —
’25 0.34 0.36 0.38 0.42 1.49
’24 0.30 0.27 0.30 0.33 1.20
’23 0.44 0.32 (0.72) 0.32 0.36
’22 0.55 0.56 0.57 0.58 2.25
’21 0.37 0.44 0.49 0.54 1.83
’20 — — — — 1.35
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 29 31 32 — —
’25 28 28 30 30 115
’24 28 27 29 28 112
’23 24 25 9 27 86
’22 20 20 22 24 86
’21 19 19 18 19 76
’20 — — — — 58
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 9 5 7 — —
’25 7 8 1 7 23
’24 0 10 1 5 17
’23 6 4 2 5 18
’22 10 7 9 8 33
’21 9 5 9 10 32
’20 — — — — 24
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 5 7 — —
’25 7 7 1 7 22
’24 0 10 1 5 17
’23 6 4 2 5 17
’22 10 7 9 8 33
’21 9 5 9 10 32
’20 — — — — 24
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 45 50 58 76 86 86 112 115 122 +14.4% 73 182 — +25.7%
Gross margin, % — — 0.00 0.00 0.00 89.17 84.09 41.41 47.43 54.31 57.50 +54.3 pt
EBT — — 15 20 23 32 40 8 22 27 34 +8.6%
EBT margin, % — — 34.14 40.29 39.57 42.54 46.72 9.30 19.46 23.74 28.20 (10.4) pt
Net income — — 12 16 18 25 32 5 17 21 27 +8.4%
Per share, $
Per share, $ Revenue — — 3.52 3.85 4.33 5.58 6.16 6.10 7.93 8.13 8.66 +12.7%
Earnings — — 0.89 1.17 1.35 1.87 2.27 0.36 1.20 1.49 1.88 +7.6%
Cash flow — — 1.12 1.42 1.81 2.38 2.38 1.28 1.22 1.59 1.98 +5.2%
Capex — — 0.00 0.00 0.00 (0.02) (0.01) (0.04) (0.03) (0.04) 0.00 n/m
Free cash flow — — 1.12 1.42 1.81 2.36 2.37 1.24 1.18 1.56 1.98 +4.8%
Book value — — 11.11 12.47 13.82 15.35 15.27 16.33 17.40 18.72 19.73 +7.7%
Shares, m — — 13 13 13 14 14 14 14 14 14 +1.5%
Valuation, ×
Valuation, × P/E — — 10.62 10.62 10.62 10.62 12.12 55.11 16.60 13.33 12.17 17.5
P/S — — 0.00 0.00 0.00 3.56 4.45 3.34 2.53 2.46 2.64 2.0
P/B — — 0.00 0.00 0.00 1.30 1.79 1.25 1.15 1.07 1.16 0.8
EV/Sales — — 0.00 0.00 0.00 2.73 4.32 2.60 2.16 2.03 — 1.7
EV/FCF — — 0.00 0.00 0.00 6.47 11.22 12.75 14.48 10.62 — 6.9
Cash, $m
Cash, $m Operating cash flow — — 14 18 24 32 33 18 17 23 28 +6.7%
Capex — — (1) 0 (1) 0 0 (1) 0 (1) 0 (11.6%)
Free cash flow — — 14 18 24 32 33 17 17 22 28 +6.4%
Balance, $m
Balance, $m Working capital — — — — — (125) (232) (20) 87 117 165 n/m
Net debt — — 109 106 52 (63) (11) (64) (42) (49) (191) n/m
Shareholders’ equity — — 142 162 186 208 213 230 247 266 277 +9.4%
Returns, %
Returns, % ROA — — 0.00 1.07 1.06 1.26 1.41 0.22 0.76 0.93 1.11 +0.9 pt
ROIC — — 0.00 0.00 0.00 13.87 12.44 3.01 6.67 7.90 24.94 +7.9 pt
ROE — — 0.00 10.43 10.61 12.91 15.10 2.32 7.16 8.26 9.86 +8.3 pt
People
People Employees — — — — — — 141 135 133 140 — (0.2%)
Revenue/emp, $m — — 0.00 0.00 0.00 0.00 0.61 0.64 0.85 0.82 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

John Marshall Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ISBA Isabella Bank Corporation $345.0M 13.9× 12.2× +9.91% (above 0%: growing) +21.83% (above 0%: growing) +399.09% (above 0%: growing) 74.62% 0.00% Compare
FSBW FS Bancorp, Inc. $344.5M 9.9× 12.0× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
BCML Bay Commercial Bank $336.8M 25.7× 38.5× −3.52% (below 0%: shrinking) n/m −19.47% (below 0%: shrinking) 74.74% 0.00% Compare
MVBF Mvb Financial Corp. $332.5M 14.8× 12.8× −27.72% (below 0%: shrinking) −97.79% (below 0%: shrinking) +55.49% (above 0%: growing) 70.96% 0.00% Compare
COSO CoastalSouth Bancshares, Inc. $331.6M 12.3× 11.6× +6.47% (above 0%: growing) +5.17% (above 0%: growing) +158.51% (above 0%: growing) 63.95% 0.00% Compare
CBNA Chain Bridge Bancorp, Inc. $329.7M 12.2× 9.8× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $323.2M 13.2× 11.8× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00%
FRAF Franklin Financial Services Corp. $313.1M 12.8× 12.2× +1.12% (above 0%: growing) +11.36% (above 0%: growing) +20.95% (above 0%: growing) 71.88% 0.00% Compare
FCCO First Community Corporation $306.5M 12.0× 10.8× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00% Compare
Median of peers $332.1M 12.5× 12.1× +5.03% +11.36% +101.50% 72.05% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 29 April 2026

Ownership

Directors and executive officers, together 12.62%
T. Rowe Price Investment Management, Inc. 13.77%
BlackRock, Inc. 6.24%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

John Marshall Bancorp, Inc. (JMSB) Latest News

29 Oct

Impact 4 ·
Impact 3 · · Simply Wall St.

28 Oct

Impact 3 · · Zacks

23 Oct

Impact 3 · · Zacks

9 Sep

Impact 5 · · retailbankerinternational.com
Impact 4 · · bankingdive.com

8 Sep

Impact 5 ·
Impact 4 ·

22 Jul

Impact 3 ·

29 Apr

Impact 4 ·

28 Jan

Impact 4 · · Business Wire
Impact 3 · · Business Wire
Impact 3 · · Simply Wall St.

27 Jan

Impact 3 · · Business Wire

1 Jan

Impact 3 · · Simply Wall St.

15 Dec

Impact 3 · · Simply Wall St.

17 Nov

Impact 4 · · Simply Wall St.

31 Oct

Impact 4 ·

25 Sep

Impact 3 · · Simply Wall St.

15 Sep

Impact 3 · · Business Wire

22 Aug

Impact 4 ·

19 Aug

Impact 3 · · Business Wire

25 Jul

Impact 4 · · Simply Wall St.

23 Jul

Impact 4 ·

21 Jul

Impact 4 · · Simply Wall St.
Impact 3 ·

1 Jul

Impact 4 · · Business Wire

20 Jun

Impact 4 ·

5 May

Impact 3 ·

26 Apr

Impact 4 · · Simply Wall St.
stockrow.com/JMSB · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com