8-K Announcements
6Material company update
Jun 16, 2026·SEC
Material company update
Jun 16, 2026·SEC
Material company update
Apr 29, 2026·SEC
John Marshall Bancorp, Inc.(JMSB)Earnings, Financials & Key Ratios
JMSB•NASDAQ•Banking & Credit
$22.00
14.8× P/E·Price updated Jun 27, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutJohn Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services. The company accepts checking, demand, NOW, savings, and money market accounts, as well as certificates of deposit. It offers commercial, construction and development, commercial term, mortgage, commercial real estate, industrial other commercial lines of credit; debit and credit cards; and treasury and cash management, investment, business and personal insurance, remote deposit capture, deposit sweep and online and mobile banking services. The company serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. It operates eight full-service branches in Alexandria, Reston, Arlington, Washington, Loudoun, Prince William, Rockville, and Tysons, as well as a loan production office in Arlington, Virginia. The company was founded in 2005 and is headquartered in Reston, Virginia.Show more
- Net Interest Income$61M+19.6%
- Total Revenue$115M+2.6%
- Net Income$21M+24.0%
- Return on Equity8.29%+15.4%
- Net Interest Margin2.6%+14.6%
- Efficiency Ratio29.1%+2.8%
- ROA0.93%+21.6%
- Equity / Assets11.39%+3.2%
- Book Value per Share18.71+7.9%
JMSB Price & Volume
John Marshall Bancorp, Inc. (JMSB) stock price & volume — 10-year historical chart
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Disciplined Operational Efficiency Amidst Margin Headwinds
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE Concentration Exposure
Key Thesis Takeaways
- John Marshall Bancorp demonstrates a disciplined operating model with an efficiency ratio consistently maintained between 27.0% and 30.8%, providing a stable foundation for its $2.4 billion asset base.
- While net interest income growth of 18.1% year-over-year in 2026Q1 highlights successful asset management, the bank faces persistent margin compression with a stagnant 0.7% net interest margin.
- Investors should monitor the shift toward a more conservative credit stance, evidenced by the transition from net provision reversals to a $624,000 expense in 2025Q4, as the bank navigates concentration risks in its commercial real estate portfolio.
Verdict Logic
while the bank maintains a lean 30.8% efficiency ratio, the stagnant 0.7% net interest margin and rising credit provisions suggest limited near-term upside potential.
JMSB Growth Metrics
John Marshall Bancorp, Inc. (JMSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.32%
5 Years9.26%
3 Years10.38%
TTM-
Profit CAGR
10 Years9.12%
5 Years2.77%
3 Years-12.6%
TTM27.06%
EPS CAGR
10 Years8%
5 Years1.99%
3 Years-12.84%
TTM27.2%
Return on Capital
10 Years7.52%
5 Years7.89%
3 Years3.81%
Last Year2.05%
JMSB Recent Earnings
John Marshall Bancorp, Inc. (JMSB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (100%)●Beat Revenue 1/12 qtrs (25%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.43+7.5%
$0.40
Rev
$17M+1.9%
$16M
Q2 2026
Mar 9, 2026Metric
Actual
Est
EPS
$0.42
—
Rev
$30M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.42+7.7%
$0.39
Rev
$16M-1.1%
$17M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.38+2.7%
$0.37
Rev
$16M-1.2%
$16M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.43vs $0.40+7.5% | $17Mvs $16M+1.9% |
| Q2 2026 | Mar 9, 2026 | $0.42 | $30M |
| Q1 2026 | Jan 28, 2026 | $0.42vs $0.39+7.7% | $16Mvs $17M-1.1% |
| Q4 2025 | Oct 29, 2025 | $0.38vs $0.37+2.7% | $16Mvs $16M-1.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for John Marshall Bancorp, Inc. (JMSB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $22.00 | $310.47M | 14.77 | 2.6% | 18.41% | 8.29% | 1.37% | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — | |
| $25.10 | $178.65M | 14.26 | -1.44% | 12.96% | 7.98% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $59.77 | $476.56M | 13.43 | 6.13% | 18.69% | 13.31% | — | |
| $46.21 | $6.37B | 14.13 | 12.33% | 36.72% | 9.27% | — |
Compare JMSB vs Peers
John Marshall Bancorp, Inc. (JMSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
JMSB SEC Filings & Documents
John Marshall Bancorp, Inc. (JMSB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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JMSB Frequently Asked Questions
John Marshall Bancorp, Inc. (JMSB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is John Marshall Bancorp, Inc. growing?
John Marshall Bancorp, Inc. (JMSB) grew revenue by 2.6% over the past year. Growth has been modest.
Is JMSB profitable?
Yes, John Marshall Bancorp, Inc. (JMSB) is profitable, generating $22.5M in net income for fiscal year 2025 (18.4% net margin).
Dividend & Returns
Does JMSB pay dividends?
Yes, John Marshall Bancorp, Inc. (JMSB) pays a dividend with a yield of 1.37%. This makes it attractive for income-focused investors.
What is JMSB's return on equity?
John Marshall Bancorp, Inc. (JMSB) has a return on equity (ROE) of 8.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is John Marshall Bancorp, Inc.'s net interest margin?
John Marshall Bancorp, Inc. (JMSB) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
What is John Marshall Bancorp, Inc.'s efficiency ratio?
John Marshall Bancorp, Inc. (JMSB) has an efficiency ratio of 29.1%. This is excellent, indicating strong cost control.