John Marshall Bancorp, Inc. (JMSB) vs Mvb Financial Corp. (MVBF)

John Marshall Bancorp, Inc. and Mvb Financial Corp. are both Banks Regional companies. John Marshall Bancorp, Inc. and Mvb Financial Corp. are of similar size ($332.5M and $323.2M). John Marshall Bancorp, Inc. trades at the lower P/E: 13.2× against 14.8×. John Marshall Bancorp, Inc. grew revenue faster over the last twelve months: 5.51% against −4.19%. John Marshall Bancorp, Inc. has the higher net margin (20.3% vs 9.46%) and the lower return on invested capital (8.35% vs 15.0%). Both pay a dividend; Mvb Financial Corp. yields more (2.66% vs 1.22%). Across the 18 metrics below, John Marshall Bancorp, Inc. leads on 11 and Mvb Financial Corp. on 7.

Valuation

Metric JMSB MVBF Banks Regional median
P/E 13.23 14.84 12.02
P/S 2.68 1.42 2.36
P/B 1.17 1.00 1.23
Price to free cash flow 14.89 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.56% 6.74% 8.21%
Free cash flow yield 6.72% (10.68%) 9.23%

Profitability

Metric JMSB MVBF Banks Regional median
Gross margin 56.94% 71.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.33% 9.46% 18.82%
Free cash flow margin 18.03% (14.69%) 17.97%
Return on equity 9.23% 6.72% 10.28%
Return on assets 1.04% 0.66% 1.13%
Return on invested capital 8.35% 15.02% 8.45%

Growth

Metric JMSB MVBF Banks Regional median
Revenue growth (TTM) 5.51% (4.19%) 6.37%
EPS growth (last fiscal year) 24.17% 34.64% 18.85%
Revenue growth, 5-year CAGR 14.61% 6.46% 12.65%
Net income growth, 5-year CAGR 2.77% (6.12%) 9.81%

Health

Metric JMSB MVBF Banks Regional median
Debt to equity 0.44 0.00 0.17
Current ratio 1.08 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric JMSB MVBF Banks Regional median
Dividend yield 1.22% 2.66% 2.49%
Payout ratio 0.16 0.41 0.29

Size

Metric JMSB MVBF Banks Regional median
Market cap 323.17m 332.49m 934.85m

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