John Marshall Bancorp, Inc. (JMSB) is a bank holding company headquartered in Reston, Virginia, serving as the parent entity for John Marshall Bank. Founded in 2005 by local bankers and business leaders, the bank began operations in 2006 and has since grown into a $2.36 billion institution with eight full-service ...John Marshall Bancorp, Inc. (JMSB) is a bank holding company headquartered in Reston, Virginia, serving as the parent entity for John Marshall Bank. Founded in 2005 by local bankers and business leaders, the bank began operations in 2006 and has since grown into a $2.36 billion institution with eight full-service branches across Virginia, Maryland, and Washington, D.C., including locations in Alexandria, Arlington, Loudoun, Prince William, Reston, Tysons, Rockville, and Washington, D.C., along with a loan production office in Arlington. The company went public in March 2017 and is listed on the NASDAQ Capital Market under the symbol JMSB. The bank's core business is relationship banking, focusing on small and mid-sized businesses, commercial real estate borrowers, professional corporations, nonprofits, and individuals. It provides a wide array of products and services, including checking, demand, NOW, savings, and money market accounts, certificates of deposit, commercial loans, construction and development financing, commercial real estate loans, mortgage services, and various lines of credit. Additionally, it offers debit and credit cards, treasury and cash management, investment offerings, business and personal insurance, remote deposit capture, deposit sweep, and online and mobile banking platforms. The bank is led by CEO Christopher W. Bergstrom, who has 43 years of banking experience and previously served as CFO since June 2017 before becoming president and CEO, succeeding John R. Maxwell. The company employs 138 full-time staff, positioning it in the 101-200 employee range. Financially, JMSB demonstrates solid performance with a market cap of approximately $329 million, a price-to-earnings ratio of 13.48, and a return on equity of 9.2%. The bank's commitment to personalized service and convenience is evident in its community-focused approach, aiming to build lasting relationships with clients. The company has also maintained a dividend, with a current yield of 1.2% and a payout ratio of 5.2%, reflecting a conservative capital strategy. With a tangible book value per share of $19.31 and a price-to-book ratio of 1.2, the stock appears reasonably valued. The bank's operations are supported by robust risk management, with a beta of 0.42 indicating lower volatility compared to the market. In terms of strategy, John Marshall Bank emphasizes commercial lending, particularly to government contractors and professional firms, while also expanding its personal banking segment. The leadership team, including Chairman Jonathan C. Kinney, brings extensive experience, with Kinney being a founder of Cardinal Bank. Overall, John Marshall Bancorp is poised for continued growth, focusing on organic expansion and exceptional customer service in the competitive regional banking market.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$115.3M
+2.6%
+7.3%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$21.2M
+24.0%
+15.0%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+52.8%
+10.6%
+4.6%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+23.7%
+22.0%
+11.3%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+18.4%
+20.9%
+7.3%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$22.0M
+31.3%
-40.9%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+19.1%
+28.0%
-44.9%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
32.3%
-7.7%
+43.6%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.08x
-1.5%
+170.4%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
