Saturday 17 October 2026 Export JMSB’s income statement to Excel — free account

John Marshall Bancorp, Inc.

John Marshall Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $115.3 million, up 2.60% from fiscal 2024. In the quarter to June 2026, revenue grew 10.0%, EPS grew 38.9%, free cash flow fell 31.7% and total debt rose 24.2%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

22.90 0.11 +0.48%

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Market cap: $321.6M
P/E: 13.2×
Fwd P/E: 11.7×
Dividend yield: 1.22%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.18

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	2	2	—	—	—	—	—	2	—	2	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 12.28%

Capital & Financial Ratios $m

Market Cap 321.61

Revenue 119.73

Net Income 24.44

Free Cash Flow 21.58

Net Debt (38.11)

Current Ratio 1.08

Debt/Equity 0.44

P/E ratio 13.24

Fwd P/E 11.70

P/S ratio 2.69

P/B ratio 1.17

Past 5Y EPS Growth 1.99%

This Y EPS Growth 27.52%

Next Y EPS Growth 39.21%

Next Y revenue growth (36.54%)

Next 5Y EPS Growth 26.83%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 43.23%

10-year low 10-year high

P/S against its own 10 years 40.65%

10-year low 10-year high

P/B against its own 10 years 53.37%

10-year low 10-year high

Dividends

Payout Ratio 0.16

Annual Dividend Rate 0.28

Annual Dividend Yield 1.22%

	total	individual payouts
2027	Powerpack
2026	0.38	0.09 0.09 0.10
2025	0.30	0.30
2024	0.25	0.25
2023	0.22	0.22

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	99	122	130	159
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,946	1,982	2,091	2,160

	2023	2024	2025	Q'26
Payables	1,907	1,892	1,972	1,993
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,965	1,895	1,974	1,995

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	29	31	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.43	0.50	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	15.20	14.47	13.91	9.05	14.00	19.50	14.38	15.00	13.81	Analyst estimates 2026–2028 Powerpack
	High	—	22.10	19.25	17.50	18.35	20.00	29.91	28.76	26.52	21.58
People
People	Employees	—	—	—	—	—	—	141	135	133	140
	Revenue/emp, $m	—	—	0.00	0.00	0.00	0.00	0.61	0.64	0.85	0.82
Income, $m
Income, $m	Revenue	—	—	45	50	58	76	86	86	112	115
	Gross margin, %	—	—	0.00	0.00	0.00	89.17	84.09	41.41	47.43	54.31
	EBT	—	—	15	20	23	32	40	8	22	27
	EBT margin, %	—	—	34.14	40.29	39.57	42.54	46.72	9.30	19.46	23.74
	Net income	—	—	12	16	18	25	32	5	17	21
	Depreciation	—	—	—	—	—	3	2	2	1	1
Per share, $
Per share, $	Revenue	—	—	3.52	3.85	4.33	5.58	6.16	6.10	7.93	8.13
	Earnings	—	—	0.89	1.17	1.35	1.87	2.27	0.36	1.20	1.49
	Cash flow	—	—	1.12	1.42	1.81	2.38	2.38	1.28	1.22	1.59
	Capex	—	—	0.00	0.00	0.00	(0.02)	(0.01)	(0.04)	(0.03)	(0.04)
	Free cash flow	—	—	1.12	1.42	1.81	2.36	2.37	1.24	1.18	1.56
	Book value	—	—	11.11	12.47	13.82	15.35	15.27	16.33	17.40	18.72
	Shares, m	—	—	13	13	13	14	14	14	14	14
Valuation, ×
Valuation, ×	P/E	—	—	10.62	10.62	10.62	10.62	12.12	55.11	16.60	13.33
	P/S	—	—	0.00	0.00	0.00	3.56	4.45	3.34	2.53	2.46
	P/B	—	—	0.00	0.00	0.00	1.30	1.79	1.25	1.15	1.07
	EV/Sales	—	—	0.00	0.00	0.00	2.73	4.32	2.60	2.16	2.03
	EV/FCF	—	—	0.00	0.00	0.00	6.47	11.22	12.75	14.48	10.62
Cash, $m
Cash, $m	Operating cash flow	—	—	14	18	24	32	33	18	17	23
	Capex	—	—	(1)	0	(1)	0	0	(1)	0	(1)
	Free cash flow	—	—	14	18	24	32	33	17	17	22
Balance, $m
Balance, $m	Working capital	—	—	—	—	—	(125)	(232)	(20)	87	117
	Total debt	—	—	109	106	52	43	50	35	81	81
	Net debt	—	—	109	106	52	(63)	(11)	(64)	(42)	(49)
	Shareholders’ equity	—	—	142	162	186	208	213	230	247	266
Returns, %
Returns, %	ROA	—	—	0.00	1.07	1.06	1.26	1.41	0.22	0.76	0.93
	ROIC	—	—	0.00	0.00	0.00	13.87	12.44	3.01	6.67	7.90
	ROE	—	—	0.00	10.43	10.61	12.91	15.10	2.32	7.16	8.26

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BCML Bay Commercial Bank	$338.1M	26.0×	13.8×	−3.52% (below 0%: shrinking)	n/m	−19.47% (below 0%: shrinking)	74.74%	0.00%	Compare
AVBH Avidbank Holdings Inc.	$337.8M	— (loss-making)	9.1×	+15.59% (above 0%: growing)	−6.49% (below 0%: shrinking)	+148.71% (above 0%: growing)	69.18%	0.00%	Compare
FDBC Fidelity D&D Bancorp Inc.	$336.0M	11.0×	22.8×	+5.91% (above 0%: growing)	+11.67% (above 0%: growing)	+157.33% (above 0%: growing)	70.54%	0.00%	Compare
CFFI C&F Financial Corporation	$334.0M	11.4×	—	+10.31% (above 0%: growing)	+10.97% (above 0%: growing)	+549.86% (above 0%: growing)	78.40%	0.00%	Compare
CBNA Chain Bridge Bancorp, Inc.	$324.9M	12.1×	7.7×	+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.	$321.6M	13.2×	11.7×	+10.02% (above 0%: growing)	+38.89% (above 0%: growing)	−31.74% (below 0%: shrinking)	60.20%	0.00%
COSO CoastalSouth Bancshares, Inc.	$319.7M	11.5×	11.2×	+6.47% (above 0%: growing)	+5.17% (above 0%: growing)	+158.51% (above 0%: growing)	63.95%	0.00%	Compare
FVCB Fvcbankcorp, Inc.	$316.1M	12.2×	11.0×	+9.18% (above 0%: growing)	+48.39% (above 0%: growing)	+172.27% (above 0%: growing)	64.10%	0.00%	Compare
NEWT NewtekOne, Inc.	$316.0M	4.9×	5.6×	+14.68% (above 0%: growing)	−9.43% (below 0%: shrinking)	+18.31% (above 0%: growing)	100.00%	70.56%	Compare
Median of peers	$329.5M	11.5×	11.0×	+9.75%	+10.97%	+153.02%	72.64%	0.00%

All 323 Banks Regional stocks →

John Marshall Bancorp, Inc. (JMSB) key facts

Strength: John Marshall Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $115.3 million, up 2.60% from fiscal 2024.
Strength: Net income was $21.2 million, or $1.49 per share (basic), a net margin of 18.3%.
John Marshall Bancorp, Inc. (JMSB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, JMSB traded at $22.90, a market capitalization of $321.6 million.
At that price the stock trades at 13.2× trailing-twelve-month earnings and 2.7× sales; its P/E is higher than 43% of its own readings over the past ten years.
John Marshall Bancorp, Inc. pays an annual dividend of $0.28 per share, a yield of 1.22%, with a payout ratio of 16.2%.
Return on equity was 8.26% and debt-to-equity 0.44.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.