John Marshall Bancorp, Inc. (JMSB) Stock

John Marshall Bancorp, Inc. (JMSB) is a Financials stock trading at $23.05 (as of 2026-08-21), with a market capitalization of $325.21M and a trailing P/E of 13.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

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.

Understand John Marshall Bancorp, Inc.: how it makes money

John Marshall Bancorp operates as the bank holding company for John Marshall Bank, taking deposits (checking, savings, money market, and certificates of deposit) and providing loans and financial services (including commercial, construction, commercial real estate, and mortgage lending, plus treasury and cash management and online and mobile banking).

The profit engine is the balance between growing new loan commitments (loan pipeline activity) and the cost and stability of funding (including wholesale funding changes), because lending is supported by deposits and other funding sources while credit performance depends on the underlying collateral and debt service capacity shown in portfolio metrics.

Business quality (Solid): No official reportable segments were provided, so there is limited visibility into how different banking products contribute to results, and the latest-quarter view relies mainly on loan commitment and funding trend metrics.

Valuation: At 13× earnings, JMSB trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan activity is present in the quarter: The company recorded New Loan Commitments (USD_B) of 0.14, with New Loan Commitments (Loan Pipeline) of 0.1, indicating ongoing pipeline availability.
  • Portfolio collateral and repayment capacity metrics are disclosed: Weighted Average Loan-to-Value and Weighted Average Debt Service Coverage Ratio are provided for both non-owner occupied and owner-occupied office commercial real estate portfolios, which can help investors gauge underwriting characteristics.

Bear case

  • Funding mix is changing, which can affect earnings stability: Wholesale Funding Reduction is 0.02 USD_B, and Reduction in Wholesale Deposits is 0.01 USD_B, suggesting reliance on specific funding sources may be shifting.
  • Commercial real estate risk profile differs across sub-portfolios: Weighted Average Loan-to-Value is 49.0% for non-owner occupied office and 58.6% for owner-occupied office, and Weighted Average Debt Service Coverage Ratio is 1.9 for non-owner occupied office versus 3.7 for owner-occupied office, implying materially different repayment cushion levels.
Valuation — source: SEC EDGAR (first-party)
Price$23.05
Market Cap$325.21M
P/E Ratio13.3
EV / EBITDA7.7
Price / Book1.19
Price / Sales2.78
FCF Yield6.6%
DCF Value (model)$22.11
DCF Upside vs Price-4.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$113.26M
Net Margin18.7%
Revenue Growth (YoY)6.8%
EPS Growth (YoY)38.9%
FCF Growth (YoY)-31.8%
Valuation vs Sector & Industry
Stock P/E13.3
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-11.9%
vs Industry2.6%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderT. Rowe Price Investment Management, Inc. ($39.86M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOChristopher W. Bergstrom
Employees136
CountryUS
IPO Date2017-03-02

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JMSB earnings history · JMSB institutional & insider holders · JMSB KPIs & operating metrics · JMSB financials · JMSB investor presentations & press releases · JMSB SEC filings · JMSB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.