John Marshall Bancorp, Inc.
JMSB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$23.37
KIRA · Stoqly’s AI analyst, in plain words
- John Marshall Bancorp, Inc. had $62.6M of revenue in fiscal 2025, up 17.5% on the year before.
- John Marshall Bancorp, Inc. made $21.2M of net profit in fiscal 2025. From fiscal 2021 to 2025, diluted EPS grew −5.0% a year.
- John Marshall Bancorp, Inc. returned $6.7M to shareholders in fiscal 2025, 30% of free cash flow. The diluted share count fell 0.1%.
- It earned 8.3% on shareholders’ money. Running costs took 53.6% of revenue (the efficiency ratio; lower is better).
Market cap
$328M
P/E
13.6x
Revenue
$62.6M
Net income
$21.2M
Return on equity
8.3%
Efficiency ratio
53.6%
John Marshall Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+17.5%
Yes. Sales grew 17.5% last year.
Does it make a profit?
33.9%
Yes. It keeps 33.9% of every sale as profit.
How lean are its costs?
53.6%
Lean. Running costs take 53.6% of revenue.
How much does it earn on its capital?
8.3%
Fair. It earns 8.3% a year on shareholders’ money.
How is the share priced?
13.6x
One share costs 13.6 times its yearly profit per share.
What John Marshall Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- John Marshall Bancorp, Inc.
- CIK
- 0001710482
John Marshall Bancorp, Inc. · JMSB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $67.6M | $72.1M | $35.5M | $53.3M | $62.6M |
| Revenue growth | — | 6.6% | −50.7% | 50.0% | 17.5% |
| Net interest income | $65.9M | $70.4M | $50.5M | $51.0M | $60.6M |
| Net income | $25.5M | $31.8M | $5.2M | $17.1M | $21.2M |
| Net margin | 37.6% | 44.1% | 14.5% | 32.1% | 33.9% |
| Diluted EPS | $1.83 | $2.25 | $0.36 | $1.20 | $1.49 |
| Cash | |||||
| Cash from operations | $32.4M | $33.2M | $18.0M | $17.3M | $22.6M |
| Capital expenditure | $0.4M | $0.2M | $0.6M | $0.5M | $0.6M |
| Free cash flow | $32.0M | $33.0M | $17.4M | $16.8M | $22.0M |
| FCF margin | 47.3% | 45.8% | 48.9% | 31.5% | 35.2% |
| Dividends paid | — | $2.8M | $3.1M | $3.6M | $4.3M |
| Share buybacks | — | — | — | $0.0M | $2.4M |
| Share count change | — | 1.5% | 0.4% | 0.4% | −0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $106M | $419M | $99.0M | $122M | $130M |
| Debt incl. finance leases | $42.7M | $24.6M | $78.7M | $80.8M | $80.9M |
| Loans, net | $1.6B | $1.8B | $1.8B | $1.9B | $2.0B |
| Deposits | $1.9B | $2.1B | $1.9B | $1.9B | $2.0B |
| Shareholders' equity | $208M | $213M | $230M | $247M | $266M |
| Returns and quality | |||||
| Return on equity | 12.2% | 15.1% | 2.3% | 7.2% | 8.3% |
| Return on tangible equity | 12.2% | 14.9% | 2.2% | 6.9% | 8.0% |
| Efficiency ratio | 47.7% | 44.2% | 86.7% | 59.7% | 53.6% |
| Piotroski F-score | — | 5 | 3 | 5 | 7 |
Insiders bought, 12 months
$0.2M
3 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
John Marshall Bancorp, Inc. · JMSB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $23.37 a share, the company is worth $328M: 13.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001710482). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.