John Marshall Bancorp, Inc.

NASDAQ•JMSB

執行長: Mr. Christopher W. Bergstrom

板塊: Financial Services

行業: Banks - Regional

上市日期: 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.

聯絡資訊

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

703-584-0840

www.johnmarshallbank.com

市值

$275.57M

本益比 (TTM)

12.9

13.9

股息率

2.0%

52周最高

$21.58

52周最低

$13.81

52周範圍

72%

排名44Top 53.8%

3.7

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

疲弱 • 3.7 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$29.57M+4.59%

近4季度走勢

每股收益

$0.42+23.53%

近4季度走勢

自由現金流

$0.00+0.00%

近4季度走勢

2025 Q3 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (TTM)

FSBW

$217.51M

+6.8%

PCB

$209.37M

+9.1%

WSBF

$201.61M

+1.1%

毛利率 (最新季度)

PLBC

84.6%

-6.1pp

WSBF

74.5%

+0.0pp

TSBK

72.6%

+3.4pp

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
CBAN	$353.49M	13.2	9.0%	0.0%
PLBC	$352.92M	11.9	13.3%	0.9%
WSBF	$324.29M	11.9	7.7%	18.2%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

2.1%

溫和增長

4季度淨利複合增長率

7.1%

盈利能力逐步提升

現金流穩定性

75%

現金流波動較大

深度研究

下次財報:2026年3月9日

每股收益:-

營業收入:-

財務數據

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財務報告

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損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

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