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Upturn AI SWOT - About
John Marshall Bancorp Inc (JMSB)
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Upturn Advisory Summary
10/15/2025: JMSB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 0.02% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 2006 and is headquartered in Reston, Virginia. It operates as the bank holding company for John Marshall Bank, a commercial bank providing a range of banking products and services primarily in the Washington D.C. metropolitan area.
Core Business Areas
- Commercial Banking: Provides a full range of commercial banking products and services, including commercial lending, deposit accounts, and treasury management services.
- Retail Banking: Offers retail banking services such as personal checking and savings accounts, mortgage lending, and other consumer financial products.
- Wealth Management: Provides wealth management services to individuals and families, including investment management, financial planning, and trust services.
Leadership and Structure
John Maxwell is Chairman and Andrew Peden is the current President and CEO. The company operates with a board of directors overseeing the management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Lending: Offers loans for commercial real estate projects. Competitors include other regional and national banks, as well as credit unions. Data on specific market share is not readily available.
- Commercial and Industrial (C&I) Lending: Provides loans to businesses for working capital, equipment financing, and other business needs. Competitors are similar to commercial real estate lending. Data on specific market share is not readily available.
- Mortgage Lending: Offers mortgage loans for residential properties. Competitors are mortgage companies, banks, and credit unions. Data on specific market share is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing interest rates, regulatory changes, and competition from fintech companies. Economic conditions significantly impact lending and deposit growth.
Positioning
John Marshall Bancorp is a regional bank focusing on the Washington D.C. metropolitan area. Its competitive advantages include local market knowledge and personalized customer service. Disadvantages include its relatively smaller size compared to larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in the Washington D.C. metropolitan area is estimated to be in the billions of dollars. John Marshall Bancorp has a small but growing position within this TAM.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Smaller size compared to national banks
- Limited geographic diversification
- Higher cost structure compared to other players
- Reliance on local economic conditions
Opportunities
- Expansion into new markets within the Washington D.C. area
- Increased adoption of digital banking services
- Acquisitions of smaller community banks
- Growth in wealth management business
Threats
- Increasing competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Truist Financial Corp (TFC)
- Capital One Financial Corporation (COF)
Competitive Landscape
John Marshall Bancorp competes with larger national and regional banks. Its advantage lies in its local market focus and personalized service. It faces challenges in competing on price and scale with larger competitors.
Major Acquisitions
No current acquisitions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: No acqusitions to be found at the current moment
Growth Trajectory and Initiatives
Historical Growth: John Marshall Bancorp has experienced steady growth in assets, loans, and deposits over the past 5 years.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in the Washington D.C. market.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of wealth management services.
Summary
John Marshall Bancorp is a regional bank with strengths in local market knowledge and personalized customer service. It has experienced steady growth but faces increasing competition and economic uncertainties. Growth in the wealth management and digital banking spaces will serve it well but must look out for regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on available information and general market knowledge. It is not financial advice. Investors should conduct their own research and consult with a financial advisor before making investment decisions.
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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