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1. Company Snapshot

1.a. Company Description

John 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.

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1.b. Last Insights on JMSB

The recent 3-month performance of John Marshall Bancorp, Inc. was driven by margin expansion, which led to a 20% increase in net interest income. The company's balance sheet remained a source of strength, supporting its growth. Additionally, the bank expanded its support for small businesses through the SBA Express Loan Program, providing easier access to capital for local businesses. Furthermore, the hiring of John Ashkar as Director of Business Banking is expected to lead the bank's business banking team and expand its small business lending programs.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Head-To-Head Analysis: Citizens Bancshares (OTCMKTS:CZBS) and John Marshall Bancorp (NASDAQ:JMSB)

Nov -06

Source: defenseworld.net

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John Marshall Bancorp, Inc. Reports Continuing Strong Momentum and Growth in Margin, Core Deposits and Loan Demand Drives 28% Increase in Net Income. Asset Quality Remains Pristine.

Oct -29

Source: businesswire.com

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John Marshall Bank Hires Charles Kapur as SVP, Director of Deposit Services to Develop and Execute Growth Strategy

Sep -15

Source: businesswire.com

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John Marshall Bancorp, Inc. Announces Extension of Stock Repurchase Program

Aug -19

Source: businesswire.com

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10% Annualized Loan Growth Drives 24% Annualized Earnings per Share Growth, Net Interest Margin and Loan Commitments Experience Significant Increases

Jul -23

Source: businesswire.com

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John Marshall Bancorp, Inc. Announces Initiation of Coverage by Investment Banking Firm

Jul -21

Source: businesswire.com

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John Marshall Bank Announces Expanded Support for Small Businesses through SBA Express Loan Program

Jul -01

Source: businesswire.com

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John Marshall Bank Hires John Ashkar as SVP, Director of Business Banking to Lead Business Banking Team

May -05

Source: businesswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Community Bank Serving Businesses

Expected Growth: 4.5%

Growing demand for financial services and loan solutions among small and medium-sized businesses in the Mid-Atlantic region, driven by economic growth, increasing entrepreneurship, and a need for accessible credit.

7. Detailed Products

Commercial Banking

Provides financial solutions to businesses, including cash management, lending, and treasury management services.

Consumer Banking

Offers personal banking services, including checking and savings accounts, credit cards, and personal loans.

Mortgage Banking

Provides mortgage lending services to individuals and families, including purchase and refinance loans.

Wealth Management

Offers investment and wealth management services, including financial planning, investment management, and trust services.

Treasury Management

Provides cash management and treasury services to businesses, including account management, payment processing, and fraud prevention.

8. John Marshall Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for John Marshall Bancorp, Inc. is medium due to the presence of alternative financial institutions and digital banking platforms.

Bargaining Power Of Customers

The bargaining power of customers is low for John Marshall Bancorp, Inc. as customers have limited negotiating power and the bank has a strong brand presence.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium for John Marshall Bancorp, Inc. as the bank relies on a few large suppliers for technology and services.

Threat Of New Entrants

The threat of new entrants is high for John Marshall Bancorp, Inc. due to the increasing trend of fintech startups and digital banking platforms.

Intensity Of Rivalry

The intensity of rivalry is high for John Marshall Bancorp, Inc. due to the presence of several established banks and financial institutions in the market.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 28.14%
Debt Cost 5.15%
Equity Weight 71.86%
Equity Cost 7.30%
WACC 6.69%
Leverage 39.16%

11. Quality Control: John Marshall Bancorp, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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John Marshall Bancorp

A-Score: 4.7/10

Value: 5.7

Growth: 4.7

Quality: 6.1

Yield: 2.0

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Quality: 2.6

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Quality: 4.2

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

19.73$

Current Price

19.73$

Potential

-0.00%

Expected Cash-Flows