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JOHN MARSHALL BANCORP INC (JMSB) Stock Fundamental Analysis

NASDAQ:JMSB - Nasdaq - US47805L1017 - Common Stock

19.67  -0.21 (-1.06%)

Fundamental Rating

2

Overall JMSB gets a fundamental rating of 2 out of 10. We evaluated JMSB against 405 industry peers in the Banks industry. JMSB may be in some trouble as it scores bad on both profitability and health. JMSB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

JMSB had positive earnings in the past year.
JMSB had a positive operating cash flow in the past year.
JMSB Yearly Net Income VS EBIT VS OCF VS FCFJMSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 10M 20M 30M

1.2 Ratios

JMSB has a Return On Assets (0.74%) which is in line with its industry peers.
With a Return On Equity value of 6.91%, JMSB perfoms like the industry average, outperforming 40.20% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 6.91%
ROIC N/A
ROA(3y)0.92%
ROA(5y)N/A
ROE(3y)9.78%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
JMSB Yearly ROA, ROE, ROICJMSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 5 10

1.3 Margins

JMSB has a Profit Margin of 32.52%. This is amongst the best in the industry. JMSB outperforms 87.94% of its industry peers.
JMSB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for JMSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.02%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
JMSB Yearly Profit, Operating, Gross MarginsJMSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 10 20 30 40

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3

2. Health

2.1 Basic Checks

JMSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, JMSB has more shares outstanding
JMSB has a worse debt/assets ratio than last year.
JMSB Yearly Shares OutstandingJMSB Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 5M 10M
JMSB Yearly Total Debt VS Total AssetsJMSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

JMSB has a debt to FCF ratio of 1.47. This is a very positive value and a sign of high solvency as it would only need 1.47 years to pay back of all of its debts.
JMSB has a Debt to FCF ratio of 1.47. This is in the better half of the industry: JMSB outperforms 68.09% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that JMSB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.10, JMSB is in the better half of the industry, outperforming 73.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC16.96%
JMSB Yearly LT Debt VS Equity VS FCFJMSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
JMSB Yearly Current Assets VS Current LiabilitesJMSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2M 4M 6M 8M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 91.48% over the past year.
The earnings per share for JMSB have been decreasing by -35.59% on average. This is quite bad
Looking at the last year, JMSB shows a very strong growth in Revenue. The Revenue has grown by 25.51%.
The Revenue for JMSB have been decreasing by -15.28% on average. This is quite bad
EPS 1Y (TTM)91.48%
EPS 3Y-35.59%
EPS 5YN/A
EPS Q2Q%141.24%
Revenue 1Y (TTM)25.51%
Revenue growth 3Y-15.28%
Revenue growth 5YN/A
Sales Q2Q%384.57%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
JMSB Yearly Revenue VS EstimatesJMSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 20M 40M 60M
JMSB Yearly EPS VS EstimatesJMSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023

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4. Valuation

4.1 Price/Earnings Ratio

JMSB is valuated correctly with a Price/Earnings ratio of 16.53.
Compared to the rest of the industry, the Price/Earnings ratio of JMSB indicates a slightly more expensive valuation: JMSB is more expensive than 69.85% of the companies listed in the same industry.
JMSB is valuated rather cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.53
Fwd PE N/A
JMSB Price Earnings VS Forward Price EarningsJMSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of JMSB indicates a slightly more expensive valuation: JMSB is more expensive than 61.81% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.64
EV/EBITDA N/A
JMSB Per share dataJMSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

JMSB has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
JMSB's Dividend Yield is slightly below the industry average, which is at 3.22.
With a Dividend Yield of 1.31, JMSB pays less dividend than the S&P500 average, which is at 2.28.
Industry RankSector Rank
Dividend Yield 1.31%

5.2 History

JMSB has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
JMSB Yearly Dividends per shareJMSB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 0.05 0.1 0.15 0.2

5.3 Sustainability

JMSB pays out 21.18% of its income as dividend. This is a sustainable payout ratio.
DP21.18%
EPS Next 2YN/A
EPS Next 3YN/A
JMSB Yearly Income VS Free CF VS DividendJMSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 10M 20M 30M
JMSB Dividend Payout.JMSB Dividend Payout, showing the Payout Ratio.JMSB Dividend Payout.PayoutRetained Earnings

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JOHN MARSHALL BANCORP INC

NASDAQ:JMSB (1/22/2025, 11:32:25 AM)

19.67

-0.21 (-1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-19 2022-10-19/bmo
Earnings (Next)N/A N/A
Inst Owners41%
Inst Owner Change-0.13%
Ins Owners11.93%
Ins Owner Change0.35%
Market Cap280.10M
AnalystsN/A
Price TargetN/A
Short Float %0.42%
Short Ratio2.58
Dividend
Industry RankSector Rank
Dividend Yield 1.31%
Yearly Dividend0.22
Dividend Growth(5Y)N/A
DP21.18%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.53
Fwd PE N/A
P/S 5.43
P/FCF 16.64
P/OCF 16.29
P/B 1.15
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)1.19
EY6.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.18
FCFY6.01%
OCF(TTM)1.21
OCFY6.14%
SpS3.63
BVpS17.07
TBVpS17.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 6.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.52%
GM N/A
FCFM 32.61%
ROA(3y)0.92%
ROA(5y)N/A
ROE(3y)9.78%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.02%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.47
Debt/EBITDA N/A
Cap/Depr 79.26%
Cap/Sales 0.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16.96%
ROIC/WACCN/A
Cap/Depr(3y)66.08%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.82%
Cap/Sales(5y)N/A
Profit Quality(3y)189.4%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)91.48%
EPS 3Y-35.59%
EPS 5YN/A
EPS Q2Q%141.24%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.51%
Revenue growth 3Y-15.28%
Revenue growth 5YN/A
Sales Q2Q%384.57%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.44%
FCF growth 3Y-9.99%
FCF growth 5YN/A
OCF growth 1Y-50.67%
OCF growth 3Y-9.67%
OCF growth 5YN/A