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JOHN MARSHALL BANCORP INC (JMSB) Stock Fundamental Analysis

NASDAQ:JMSB - Nasdaq - US47805L1017 - Common Stock - Currency: USD

15.5  +0.09 (+0.58%)

Fundamental Rating

2

Taking everything into account, JMSB scores 2 out of 10 in our fundamental rating. JMSB was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of JMSB have multiple concerns. JMSB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year JMSB was profitable.
In the past year JMSB had a positive cash flow from operations.
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's Return On Assets of 0.74% is in line compared to the rest of the industry. JMSB outperforms 41.96% of its industry peers.
The Return On Equity of JMSB (6.91%) is worse than 62.56% of its industry peers.
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's Profit Margin of 32.52% is amongst the best of the industry. JMSB outperforms 87.44% 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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2. Health

2.1 Basic Checks

JMSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for JMSB has been increased compared to 1 year ago.
Compared to 1 year ago, JMSB has a worse debt to assets ratio.
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's Debt to FCF ratio of 1.47 is fine compared to the rest of the industry. JMSB outperforms 62.56% of its industry peers.
JMSB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
JMSB has a Debt to Equity ratio of 0.10. This is in the better half of the industry: JMSB outperforms 72.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC18.49%
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

JMSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 91.50%, which is quite impressive.
JMSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.59% yearly.
The Revenue has grown by 25.51% in the past year. This is a very strong growth!
The Revenue for JMSB have been decreasing by -15.28% on average. This is quite bad
EPS 1Y (TTM)91.5%
EPS 3Y-35.59%
EPS 5YN/A
EPS Q2Q%141.25%
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

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4. Valuation

4.1 Price/Earnings Ratio

JMSB is valuated correctly with a Price/Earnings ratio of 13.03.
Based on the Price/Earnings ratio, JMSB is valued a bit more expensive than the industry average as 60.05% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 28.64, JMSB is valued rather cheaply.
Industry RankSector Rank
PE 13.03
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

JMSB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.15
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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5. Dividend

5.1 Amount

JMSB has a Yearly Dividend Yield of 1.73%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.68, JMSB is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.52, JMSB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.73%

5.2 History

JMSB has been paying a dividend for less than 5 years, so it still needs to build a track record.
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

21.18% of the earnings are spent on dividend by JMSB. This is a low number and 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 (4/24/2025, 10:08:44 AM)

15.5

+0.09 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-19 2022-10-19/bmo
Earnings (Next)N/A N/A
Inst Owners46.21%
Inst Owner Change-0.35%
Ins Owners12.05%
Ins Owner Change1.4%
Market Cap221.34M
AnalystsN/A
Price TargetN/A
Short Float %0.88%
Short Ratio6.26
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
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 13.03
Fwd PE N/A
P/S 4.29
P/FCF 13.15
P/OCF 12.87
P/B 0.91
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)1.19
EY7.68%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.18
FCFY7.6%
OCF(TTM)1.2
OCFY7.77%
SpS3.62
BVpS17.03
TBVpS17.03
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
WACC18.49%
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)91.5%
EPS 3Y-35.59%
EPS 5YN/A
EPS Q2Q%141.25%
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