John Marshall Bancorp, Inc.

NASDAQ•JMSB

CEO: Mr. Christopher W. Bergstrom

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2017-03-02

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 residential and commercial construction and development loans, commercial term, mortgage, commercial real estate, industrial loans, and 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. The company was founded in 2005 and is headquartered in Reston, Virginia.

Contact Information

1943 Isaac Newton Square, Suite 100, Reston, VA, 20190, United States

703-584-0840

www.johnmarshallbank.com

Market Cap

$278.42M

P/E (TTM)

13.1

14.5

Dividend Yield

2.0%

52W High

$21.58

52W Low

$13.81

52W Range

75%

Rank44Top 53.8%

3.7

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.7 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$29.57M+4.59%

4-Quarter Trend

EPS

$0.42+23.53%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Jumps 24% Nine-month net income reached $15.3M, driving diluted EPS to $1.07; NII grew 20.7% due to lower funding costs.

Asset Quality Significantly Improves Nonperforming assets dropped to $0 from $9.98M year-end; ALLL increased to $19.7M, covering 1.02% of net loans.

Strong Capital Ratios Maintained Total risk-based capital ratio stood at 16.6% and CET1 ratio at 15.5%, maintaining "well capitalized" regulatory status.

Loan and Deposit Growth Total net loans grew to $1.94B, supported by $1.97B in total deposits, reflecting successful asset expansion efforts.

Risk Factors

Credit Provisioning Increased Recorded $1.1M provision for credit losses YTD, reversing prior year's $0.7M recovery, due to portfolio growth and forecasts.

Geographic Business Concentration Business remains highly concentrated in the Washington, D.C. metropolitan area, sensitive to local economic shifts and government spending.

Non-Interest Expense Rising Salaries and benefits expense increased 9.5% YTD due to hiring six new business development officers, pressuring efficiency.

Investment Portfolio Decline Available-for-sale and held-to-maturity securities declined by $31.2M YTD due to maturities and amortization.

Outlook

NIM Expansion Continues Tax-equivalent NIM expanded 47 basis points YTD to 2.67%, driven by lower liability costs and higher loan yields.

Investment in Business Growth Continued investment in staffing (business development) is expected to drive future revenue, despite current non-interest expense increases.

Loan Portfolio Strategy Management prudently pursues loan growth, focusing on investor real estate and residential mortgages while maintaining underwriting standards.

Regulatory Adaptation Focus Preparing for adoption of new FASB ASU 2023-09 regarding income tax disclosures starting in annual periods after December 15, 2024.

Peer Comparison

Revenue (TTM)

FSBW

$217.51M

+6.8%

PCB

$209.37M

+9.1%

WSBF

$201.61M

+1.1%

Gross Margin (Latest Quarter)

PLBC

84.6%

-6.1pp

WSBF

74.5%

+0.0pp

TSBK

72.6%

+3.4pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CBAN	$343.89M	12.8	9.0%	0.0%
PLBC	$337.27M	11.4	13.3%	6.6%
WSBF	$323.73M	11.8	7.7%	18.2%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.1%

Moderate Growth

4Q Net Income CAGR

7.1%

Profitability Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 22, 2026

EPS:$0.40

Revenue:$16.30M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data