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

$294.93M

P/E (TTM)

13.8

15.5

Dividend Yield

1.9%

52W High

$21.58

52W Low

$13.99

52W Range

89%

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

$6.86M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income and NIM Expansion Net income surged 24.0% to $21.2M, driven by strong Net Interest Margin expansion to 2.68%, up 40 basis points year-over-year.

Loan Portfolio Growth Total assets grew 4.4% to $2.33B by December 31, 2025; gross loans increased 5.5% to $1.98B, led by construction and residential lending.

Exceptional Asset Quality Asset quality improved significantly; Non-Performing Assets ratio dropped sharply to 0.05% of total assets from 0.45% previously.

Efficiency and Capital Strength Efficiency ratio improved to 53.6% (from 59.7%); Bank capital ratios remain robust, with CET1 ratio stable at 15.2%.

Risk Factors

Credit Risk Concentration High credit risk due to focus on small/medium businesses and significant concentration in CRE (59.6% of loans) and C&I lending.

Interest Rate Sensitivity Risk Earnings heavily reliant on Net Interest Income; adverse interest rate movements contrary to asset/liability positioning could compress margins.

Funding and Liquidity Exposure Liquidity faces risk from substantial uninsured deposits (35.1% of total) and reliance on brokered deposits (15.3% of total deposits).

Third-Party Operational Reliance Heavy dependence on third-party vendors for core processing and technology exposes operations to potential cyberattacks or service disruptions.

Outlook

Sustained Organic Growth Strategy Strategy focuses on hiring experienced officers and selectively expanding franchise within the attractive Washington D.C. MSA market.

Credit Provisioning Expectations Expect credit loss provision to reflect ongoing loan portfolio growth and management's qualitative assessment of local economic conditions.

Leveraging Branch-Lite Model Continue investing in digital platform capabilities via branch-lite structure to enhance customer experience and maintain peer-leading profitability.

Peer Comparison

Revenue (TTM)

FSBW

$217.51M

+6.8%

PCB

$209.37M

+9.1%

WSBF

$201.61M

+1.1%

Gross Margin (Latest Quarter)

WSBF

74.5%

+0.0pp

TSBK

72.6%

+3.4pp

CBAN

71.3%

+6.3pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CBAN	$373.42M	13.9	9.0%	7.2%
PLBC	$362.84M	16.2	3.1%	0.0%
NECB	$345.30M	7.5	13.1%	3.9%

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

100%

Strong 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