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Upturn AI SWOT - About
John Marshall Bancorp Inc (JMSB)
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Upturn Advisory Summary
08/14/2025: JMSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 2.14% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 266.58M USD | Price to earnings Ratio 15.06 | 1Y Target Price - |
Price to earnings Ratio 15.06 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.43 | 52 Weeks Range 13.59 - 26.10 | Updated Date 06/29/2025 |
52 Weeks Range 13.59 - 26.10 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.61% | Basic EPS (TTM) 1.24 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.36% | Operating Margin (TTM) 42.85% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 7.27% |
Valuation
Trailing PE 15.06 | Forward PE - | Enterprise Value 182488208 | Price to Sales(TTM) 4.87 |
Enterprise Value 182488208 | Price to Sales(TTM) 4.87 | ||
Enterprise Value to Revenue 6.37 | Enterprise Value to EBITDA - | Shares Outstanding 14278300 | Shares Floating 12384975 |
Shares Outstanding 14278300 | Shares Floating 12384975 | ||
Percent Insiders 12.6 | Percent Institutions 46.41 |
Upturn AI SWOT
John Marshall Bancorp Inc
Company Overview
History and Background
John Marshall Bancorp, Inc. was founded in 2005 and is headquartered in Reston, Virginia. It operates primarily in the Washington D.C. metropolitan area, providing a range of banking services. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a variety of commercial banking services including commercial loans, lines of credit, and deposit accounts catering to businesses of different sizes.
- Retail Banking: Provides retail banking products like checking and savings accounts, mortgages, and consumer loans for individuals.
- Wealth Management: Offers wealth management services to high-net-worth individuals and families, including investment advisory, trust, and estate planning.
Leadership and Structure
The leadership team comprises experienced banking professionals with expertise in commercial and retail banking. The organizational structure includes various departments overseeing lending, operations, and compliance, led by the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue source. No readily available market share data exists specifically for John Marshall Bancorp Inc. for commercial loans in its specific geographic market. Competitors include larger national and regional banks like Bank of America and PNC, as well as other community banks.
- Mortgage Lending: Mortgage lending is another key product. No specific market share data is readily available for John Marshall Bancorp Inc. in this area. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Various deposit accounts form the foundation for the bank. Market share information for this is not easily and publicly available. They compete with other banks in the region like Capital One.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, technological advancements (FinTech disruption), and fluctuating interest rate environments. Consolidation is also a prevalent trend.
Positioning
John Marshall Bancorp Inc. is positioned as a community-focused bank offering personalized service and local market expertise. Its competitive advantage lies in its responsiveness to local business needs and its focus on building long-term relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Washington D.C. metropolitan area is substantial, potentially in the billions of dollars. John Marshall Bancorp Inc. targets a specific segment of this market, aiming for organic growth and market share gains through its community-focused approach. Exact TAM value is difficult to ascertain without proprietary market research.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid asset quality
- Relationship-focused banking approach
Weaknesses
- Limited geographic presence compared to larger banks
- Smaller scale may lead to higher operating costs per transaction
- Dependence on local economy
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growing demand for specialized financial services in the region
Threats
- Increased competition from larger national banks and credit unions
- Economic downturn in the Washington D.C. area
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- PNC
- CASH
Competitive Landscape
John Marshall Bancorp Inc. faces competition from larger national banks, regional players, and smaller community banks. Its advantages include personalized service and local market expertise, while its disadvantages stem from limited scale and geographic presence.
Major Acquisitions
Potomac Bancshares, Inc.
- Year: 2016
- Acquisition Price (USD millions): 19.9
- Strategic Rationale: Expanded the Banku2019s presence in the Northern Virginia market.
Growth Trajectory and Initiatives
Historical Growth: Discuss growth trends in assets, loans, and deposits over the past years, if known.
Future Projections: Projections for future growth are not available without analyst estimates or company guidance. Potential expansion plans should be mentioned if publicly available.
Recent Initiatives: Highlight recent strategic initiatives like branch expansions, technological upgrades, or new product launches.
Summary
John Marshall Bancorp Inc. is a community-focused bank operating in a competitive environment, with its strengths being local expertise and personalized service. Its smaller scale and limited geographic reach present challenges, but growth opportunities exist through expansion and technological upgrades. It needs to carefully manage competition and macroeconomic risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About John Marshall Bancorp Inc
Exchange NASDAQ | Headquaters Reston, VA, United States | ||
IPO Launch date 2013-11-21 | President, CEO & Director Mr. Christopher W. Bergstrom | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 136 | Website https://www.johnmarshallbank.com |
Full time employees 136 | Website https://www.johnmarshallbank.com | ||
John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services in the United States. The company accepts checking, NOW, money market accounts, and regular savings accounts; certificates of deposit; and time, reciprocal IntraFi Demand, IntraFi Money Market, and IntraFi CD deposits. It also offers commercial real estate loans, residential and commercial construction and development loans, commercial and industrial loans, and residential mortgage loans; commercial term loans and lines of credit; and other loans, such as financing of equipment, receivables, contract administration expenses, and automobile financing. In addition, the company provides debit and credit cards; treasury and cash management services; business and personal insurance; and online and mobile banking with bill pay, sweep accounts, wire transfer, and check imaging and remote deposit capture services. It serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. John Marshall Bancorp, Inc. was founded in 2005 and is headquartered in Reston, Virginia.
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