Is JMSB a good stock to buy right now?

Based on our 6-factor quantitative model, John Marshall Bancorp, Inc. (JMSB) receives a "Hold" rating with a composite score of 52.3/100. It is ranked #177 out of 4,446 stocks. Key factor scores: Quality 52/100, Value 67/100, Momentum 52/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for JMSB?

John Marshall Bancorp, Inc. (JMSB) has a "Hold" rating and 3-star score. The composite score of 52.3 ranks it #177 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is JMSB in?

John Marshall Bancorp, Inc. operates in the Financials sector (Banking industry) with a market cap of $295 million. It is classified as a micro-cap stock.

Does JMSB pay a dividend?

Yes, JMSB pays a dividend with a current yield of 1.51%. The Financials sector average yield is 2.50%. For every $1,000 invested, you would receive approximately $15.10 in annual dividend income.

What is JMSB's P/E ratio?

JMSB has a trailing P/E ratio of 15.29x. The Financials sector average is 15.8x. This P/E is in a moderate range relative to the broader market.

How profitable is JMSB?

JMSB's quality factor score is 52/100. Gross margin: 0.0%. ROE: 7.4% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is JMSB valued compared to peers?

JMSB's value factor score is 67/100 (higher = cheaper). Key multiples: P/E 15.3x, EV/EBITDA 15.2x. The stock appears attractively valued versus peers.

What is JMSB's debt level?

JMSB's debt-to-equity ratio is 30%. Sector average: 122%. Low leverage suggests conservative financial management.

JMSB has a beta of 0.68, meaning it is less volatile than the market. Stability score: 79/100.

Does JMSB have high short interest?

JMSB's short interest factor score is 28/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

JMSB Stock Analysis: Top Micro-Cap Hold (Score 52.3/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
JMSB	+0.05%	-0.34%	+4.01%	+3.85%	+44.77%	-	-	-
Industry Proxy XLF	-0.27%	+1.36%	+5.54%	-5.00%	+11.82%	-	-	-
U.S. Market SPY	+0.25%	+3.20%	+4.88%	+2.89%	+33.48%	-	-	-
Alpha vs Market	-0.20%	-3.54%	-0.87%	+0.96%	+11.29%	-	-	-
Alpha vs Sector	+0.32%	-1.70%	-1.53%	+8.85%	+32.95%	-	-	-

Metric	JMSB	Benchmark
P/E Ratio	15.3x	-3%
EV/EBITDA	15.2x	+346%
Price / Book	1.1x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
MFC MANULIFE FINANCIAL CORP	66	72	89	54	19.5x	11,525.5%	0.0%	6.4%	-	6,942.0x	$65.0B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	78	67	12.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$1.2B	VS
SSSS SURO CAPITAL CORP.	62	89	34	70	5.3x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$328M	VS
DAVE Dave Inc./DE	62	93	65	62	25.5x	37.0%	80.0%	23.8%	88.1%	38.0x	$3.0B	VS
PKBK PARKE BANCORP, INC.	61	60	77	65	10.4x	10.5%	-	24.8%	20.9%	593.0x	$346M	VS
BTM Bitcoin Depot Inc.	60	72	80	72	1.9x	282.8%	96.5%	4.9%	-0.4%	530.0x	$47M	VS
OBT Orange County Bancorp, Inc. /DE/	59	63	74	62	15.0x	11.4%	-	24.5%	6.2%	835.0x	$470M	VS
HBCP HOME BANCORP, INC.	59	58	75	56	11.5x	10.1%	0.0%	24.8%	8.3%	703.0x	$503M	VS
FRST Primis Financial Corp.	58	62	79	59	12.7x	6.5%	0.0%	14.2%	-0.8%	857.0x	$350M	VS
HBT HBT Financial, Inc.	58	61	72	53	13.7x	12.4%	0.0%	29.8%	2.4%	724.0x	$1.0B	VS
JMSB John Marshall Bancorp, Inc.	52	52	67	52	15.3x	7.4%	0.0%	17.4%	8.0%	30.0x	$295M

Key Ratio	TTM	2025	2024	2023	2022	2021
Gross Margin %	0.0%	-	-	-	-	1.0%
Operating Margin %	0.2%	0.2%	0.2%	0.1%	0.5%	0.0%
EBITDA Margin %	0.2%	0.2%	0.2%	0.1%	0.5%	0.5%
Net Margin %	0.2%	0.2%	0.2%	0.1%	0.4%	0.4%
FCF Margin %	-10.0%	-	-	-	-	47.3%
ROE %	0.1%	0.1%	0.1%	0.0%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.1%	6.2%	5.3%	2.5%	13.3%	0.5%

Line Item	TTM	2025	2024	2023	2022	2021
	$113M	$113M	$110M	$101M	$84M	$68M
	—	—	—	—	—	$66M
Gross Margin	0.0%	---	---	---	---	97.5%
	—	—	—	—	—	$3M
Total Operating Expenses	—	$86M	$88M	$93M	$44M	—
	$25M	$27M	$22M	$8M	$40M	$2M
EBIT	$25M	$27M	$22M	$8M	$40M	$2M
EBITDA	$25M	$27M	$22M	$8M	$40M	$35M
Operating Margin	22.2%	24.2%	19.9%	7.9%	47.7%	2.5%
EBITDA Margin	22.2%	24.2%	19.9%	7.9%	47.7%	51.8%
	—	—	—	$50M	$14M	$8M
	—	$27M	$22M	$8M	$40M	—
Income Tax Expense	—	$6M	$5M	$3M	$8M	$7M
	$20M	$21M	$17M	$5M	$32M	$25M
Net Margin	17.4%	18.8%	15.6%	5.1%	37.8%	37.6%
	$1.49	$1.49	$1.20	$0.37	$2.27	$1.87
Diluted EPS	$1.49	$1.49	$1.20	$0.36	$2.25	$1.87
Weighted Avg Basic	—	14M	14M	14M	14M	—
Weighted Avg Diluted	—	14M	14M	14M	14M	—

John Marshall Bancorp, Inc. (JMSB) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does John Marshall Bancorp, Inc. Do?

John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and services. The company accepts checking, savings, and money market accounts. Its loan products include overdraft lines of credit, certificate of deposit secured loans, personal term loans and lines of credit, car loans, home equity lines of credit, business loans, and mortgages. The company also provides debit and credit cards; insurance products; and treasury management, and online and mobile banking services. As of March 22, 2021, it operated eight full-service branches in Alexandria, Arlington, Loudoun, Prince William, Reston, Rockville, Tysons, and Washington, as well as a loan production office in Arlington, Virginia. John Marshall Bancorp, Inc. was founded in 2005 and is headquartered in Reston, Virginia. John Marshall Bancorp, Inc. (JMSB) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Christopher W. Bergstrom and employs approximately 140 people. With a market capitalization of $295M, JMSB is one of the notable companies in the Financials sector.

John Marshall Bancorp, Inc. (JMSB) Stock Rating — Hold (April 2026)

As of April 2026, John Marshall Bancorp, Inc. receives a Hold rating with a composite score of 52.3/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.JMSB ranks #177 out of 4,446 stocks in our coverage universe. Within the Financials sector, John Marshall Bancorp, Inc. ranks #125 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

JMSB Stock Price and 52-Week Range

John Marshall Bancorp, Inc. (JMSB) currently trades at $21.03. The 52-week high for JMSB is $21.58, which means the stock is currently trading -2.5% from its annual peak. The 52-week low is $13.81, putting the stock 52.3% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is JMSB Overvalued or Undervalued? — Valuation Analysis

John Marshall Bancorp, Inc. (JMSB) carries a value factor score of 67/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 15.29x, compared to the Financials sector average of 15.79x — a discount of 3%. The price-to-book ratio stands at 1.13x, versus the sector average of 1.28x. The price-to-sales ratio is 2.66x, compared to 0.96x for the average Financials stock. On an enterprise value basis, JMSB trades at 15.21x EV/EBITDA, versus 3.41x for the sector.

Overall, JMSB's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

John Marshall Bancorp, Inc. Profitability — ROE, Margins, and Quality Score

John Marshall Bancorp, Inc. (JMSB) earns a quality factor score of 52/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 7.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.8% versus the sector average of 1.2%.

On a margin basis, John Marshall Bancorp, Inc. reports gross margins of 0.0%. The operating margin is 22.2% (sector: 22.0%). Net profit margin stands at 17.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 8.0% on a trailing basis, compared to 9.3% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

JMSB Debt, Balance Sheet, and Financial Health

John Marshall Bancorp, Inc. has a debt-to-equity ratio of 30.0%, compared to the Financials sector average of 121.5%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.13x, suggesting adequate working capital coverage. Total debt on the balance sheet is $81M. Cash and equivalents stand at $9M.

JMSB has a beta of 0.68, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for John Marshall Bancorp, Inc. is 79/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

John Marshall Bancorp, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, John Marshall Bancorp, Inc. reported revenue of $113M and earnings per share (EPS) of $1.49. Net income for the quarter was $20M. Gross margin was 0.0%. Operating income came in at $25M.

In FY 2025, John Marshall Bancorp, Inc. reported revenue of $113M and earnings per share (EPS) of $1.49. Net income for the quarter was $21M. Revenue grew 2.8% year-over-year compared to FY 2024. Operating income came in at $27M.

In Q3 2025, John Marshall Bancorp, Inc. reported revenue of $29M and earnings per share (EPS) of $0.38. Net income for the quarter was $5M. Revenue grew 1.8% year-over-year compared to Q3 2024. Operating income came in at $7M.

In Q2 2025, John Marshall Bancorp, Inc. reported revenue of $28M and earnings per share (EPS) of $0.36. Net income for the quarter was $5M. Revenue grew 3.9% year-over-year compared to Q2 2024. Operating income came in at $7M.

Over the past 8 quarters, John Marshall Bancorp, Inc. has demonstrated a growth trajectory, with revenue expanding from $27M to $113M. Investors analyzing JMSB stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

JMSB Dividend Yield and Income Analysis

John Marshall Bancorp, Inc. (JMSB) currently pays a dividend yield of 1.5%. At this yield, a $10,000 investment in JMSB stock would generate approximately $$151.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning JMSB yields less than the typical sector peer. With a net margin of 17.4%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

JMSB Momentum and Technical Analysis Profile

John Marshall Bancorp, Inc. (JMSB) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 28/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

JMSB vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, John Marshall Bancorp, Inc. (JMSB) ranks #125 out of 891 stocks based on the Blank Capital composite score. This places JMSB in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.9/100, Bitcoin Depot Inc. (BTM) with a score of 59.9/100, MANULIFE FINANCIAL CORP (MFC) with a score of 65.5/100, Dave Inc./DE (DAVE) with a score of 61.8/100, and Orange County Bancorp, Inc. /DE/ (OBT) with a score of 59.4/100.

Comparing JMSB against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full JMSB vs S&P 500 (SPY) comparison to assess how John Marshall Bancorp, Inc. stacks up against the broader market across all factor dimensions.

JMSB Next Earnings Date

No upcoming earnings date has been announced for John Marshall Bancorp, Inc. (JMSB) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy JMSB? — Investment Thesis Summary

John Marshall Bancorp, Inc. presents a balanced picture with arguments on both sides. The value score of 67/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 79/100) reduces downside risk.

In summary, John Marshall Bancorp, Inc. (JMSB) earns a Hold rating with a composite score of 52.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on JMSB stock.

Related Resources for JMSB Investors

Explore more research and tools: JMSB vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare JMSB head-to-head with peers: JMSB vs OPY, JMSB vs BTM, JMSB vs MFC.

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