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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

John Marshall Bancorp, Inc.'s recent performance was driven by strong loan demand, net interest margin growth, and improved efficiency. The company's Q4 2025 earnings report showed a 42% annualized increase in earnings per share, with diluted EPS of $0.42, up 27.3% year-over-year. The initiation of a quarterly cash dividend program, starting with a $0.09 dividend per share, signals a commitment to shareholder returns. Strategic hires, such as Pat Dempsey and Matthew Witt, to bolster the GovCon team and commercial lending capabilities, position the company for growth.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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John Marshall Bancorp, Inc. Declares Quarterly Cash Dividend

Apr -29

Source: businesswire.com

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John Marshall Bancorp, Inc. Reports Continued Net Interest Margin Growth Drives 27% Increase in Net Income - Core Deposits and Loans Expand and Asset Quality Remains Strong

Apr -29

Source: businesswire.com

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John Marshall Bancorp, Inc. Announces First Quarter 2026 Earnings Release Date

Apr -03

Source: businesswire.com

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John Marshall Bank Hires Matthew Witt as VP, Commercial Lender to Grow and Support Alexandria Market

Mar -09

Source: businesswire.com

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John Marshall Bancorp (NASDAQ:JMSB) and Peoples Financial (OTCMKTS:PFBX) Critical Survey

Feb -16

Source: defenseworld.net

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John Marshall Bancorp, Inc. Initiates Quarterly Cash Dividend

Jan -28

Source: businesswire.com

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John Marshall Bancorp, Inc. Reports Strong Loan Demand, Net Interest Margin Growth, and Better Efficiency Drive 42% Annualized Increase in Earnings Per Share

Jan -28

Source: businesswire.com

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John Marshall Bank Expands GovCon Team With the Hiring of Pat Dempsey in Tysons

Jan -27

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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CapFed

A-Score: 5.8/10

Value: 5.3

Growth: 3.7

Quality: 4.7

Yield: 9.0

Momentum: 4.5

Volatility: 7.7

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John Marshall Bancorp

A-Score: 5.1/10

Value: 8.2

Growth: 4.6

Quality: 7.8

Yield: 2.0

Momentum: 3.0

Volatility: 5.3

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Growth: 1.4

Quality: 4.5

Yield: 7.0

Momentum: 8.0

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Bogota Financial

A-Score: 4.7/10

Value: 5.0

Growth: 2.1

Quality: 4.8

Yield: 0.0

Momentum: 7.5

Volatility: 8.7

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Broadway Financial

A-Score: 4.0/10

Value: 5.4

Growth: 5.3

Quality: 4.7

Yield: 0.0

Momentum: 4.0

Volatility: 4.7

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Rhinebeck Bancorp

A-Score: 3.8/10

Value: 4.4

Growth: 1.7

Quality: 4.4

Yield: 0.0

Momentum: 5.5

Volatility: 7.0

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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

21.0$

Current Price

21$

Potential

-0.00%

Expected Cash-Flows