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

$296.21M

本益比 (TTM)

13.9

15.5

股息率

1.9%

52周最高

$21.58

52周最低

$13.99

52周範圍

90%

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

$6.86M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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%.

關注風險

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.

未來展望

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.

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	$373.24M	13.9	9.0%	7.2%
PLBC	$356.63M	12.0	13.3%	6.6%
NECB	$345.99M	7.5	13.1%	3.9%

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

100%

現金流表現優異

深度研究

下次財報:2026年4月22日

每股收益:$0.40

營業收入:$16.30M

財務數據

電話會議

財務報告

新聞

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

無資料