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John Marshall Bancorp Inc (JMSB)
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Upturn Advisory Summary
12/05/2025: 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 12/05/2025 |
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 in Reston, Virginia. It operates as the bank holding company for John Marshall Bank, providing commercial banking services in the Washington D.C. metropolitan area.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services including loans, deposits, and cash management solutions to businesses and professionals.
- Retail Banking: Provides retail banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management services including investment management and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is typical of a regional bank, with various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loans, including term loans, lines of credit, and real estate financing. Market share data for specific types of loans are difficult to acquire on this bank. Competitors include larger national and regional banks like Bank of America, Truist, and PNC.
- Deposit Accounts: Provides checking, savings, and money market accounts for businesses and individuals. Market share data for deposit accounts is not publicly available. Competitors are other local banks, credit unions, and online banking platforms like Capital One 360.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
John Marshall Bancorp is a regional bank focusing on the Washington D.C. metropolitan area. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Washington D.C. metropolitan area is estimated to be billions of dollars annually. John Marshall Bancorp is positioned to capture a portion of this market through its local focus and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Solid customer relationships
- Good asset quality
Weaknesses
- Smaller size compared to national banks
- Limited geographic diversification
- Reliance on the Washington D.C. metropolitan area
Opportunities
- Expansion into new markets
- Increased demand for commercial loans
- Growing population in the Washington D.C. area
Threats
- Rising interest rates
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Truist Financial Corporation (TFC)
- PNC Financial Services Group (PNC)
Competitive Landscape
John Marshall Bancorp competes with larger national and regional banks as well as local community banks. Its advantages lie in its local focus and personalized service, while its disadvantages include its smaller size and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by loan growth and expansion into new markets. Specific data can be found in investor presentations.
Future Projections: Future growth projections are based on analyst estimates and the company's strategic plans. Should be found in Analyst Reports
Recent Initiatives: Recent strategic initiatives include expanding its commercial lending portfolio and enhancing its technology platform.
Summary
John Marshall Bancorp is a regional bank that provides core services. The company's location in a metropolitan area aids expansion. Competition will always be a concern for the bank as they compete with larger banks, and regulatory compliance can also create challenges, but their strengths will need to be monitored.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
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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