John Marshall Financials

JMSB Stock  USD 17.20  0.16  0.94%   
John Marshall Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, John Marshall's Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 1.9 B, whereas Total Assets are forecasted to decline to about 1.6 B. Key indicators impacting John Marshall's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.220.12
Way Up
Very volatile
Return On Assets0.00250.0026
Notably Down
Slightly volatile
Return On Equity0.01920.0202
Notably Down
Slightly volatile
Debt Equity Ratio0.140.15
Significantly Down
Slightly volatile
Operating Income26.7 M18.5 M
Way Up
Slightly volatile
Current Ratio0.07150.0752
Notably Down
Pretty Stable
The financial analysis of John Marshall is a critical element in measuring its lifeblood. Investors should not minimize John Marshall's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

5.64 Million

12.15.18.25.31.5.25.95.631%16%37%25%-84%15%-5%100%
  
Please note, the presentation of John Marshall's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, John Marshall's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of John Marshall's management manipulating its earnings.

John Marshall Stock Summary

John Marshall competes with Home Federal, Magyar Bancorp, ChoiceOne Financial, Affinity Bancshares, and Oak Valley. John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services. The company was founded in 2005 and is headquartered in Reston, Virginia. John Marshall operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 136 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS47805L1017
CUSIP47805L101
LocationVirginia; U.S.A
Business Address1943 Isaac Newton
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.johnmarshallbank.com
Phone703 584 0840
CurrencyUSD - US Dollar

John Marshall Key Financial Ratios

John Marshall Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.9B2.1B2.3B2.2B2.6B1.6B
Other Current Liab(877K)(843K)(1.0M)1.6B1.8B1.9B
Net Debt(85.6M)(57.9M)(32.1M)(69.9M)(62.9M)(59.7M)
Retained Earnings92.2M117.6M146.6M146.4M168.3M176.8M
Accounts Payable877K843K1.0M4.6M5.2M5.5M
Cash138.5M105.8M61.6M99.0M113.9M80.6M
Other Assets1.4B1.4B1.5B(84.5M)(97.2M)(92.3M)
Net Receivables5.3M4.9M5.5M6.1M7.0M4.2M
Total Liab1.7B1.9B2.1B2.0B2.3B1.5B
Total Current Assets295.7M350.0M424.7M105.1M120.9M198.8M
Common Stock131K135K137K141K126.9K120.6K
Other Liab4.0M5.5M10.5M11.7M13.4M7.0M
Net Tangible Assets162.0M186.1M208.5M212.8M244.7M167.2M
Long Term Debt46.7M42.7M24.6M24.7M22.2M21.1M
Other Current Assets143.8M110.7M67.1M105.1M120.9M60.5M
Short Term Debt5.5M1.5M26.8M65.3M75.1M78.9M
Inventory(143.8M)(110.7M)(67.1M)1.3M1.2M1.2M
Net Invested Capital232.8M251.2M237.4M254.6M229.2M196.8M
Capital Stock131K135K137K141K162.2K149.1K

John Marshall Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense15.6M8.2M13.6M50.3M57.8M60.7M
Total Revenue58.5M67.6M72.1M38.8M44.6M50.2M
Gross Profit58.5M67.6M72.1M38.8M44.6M50.2M
Operating Income23.1M32.3M51.8M16.1M18.5M26.7M
Ebit24.9M32.3M40.1M8.0M9.2M8.7M
Ebitda25.7M34.5M42.0M9.7M11.2M10.6M
Income Before Tax23.1M32.3M40.1M8.0M9.2M8.7M
Net Income18.5M25.5M31.8M5.2M5.9M5.6M
Income Tax Expense4.5M6.8M8.3M2.8M3.2M5.4M
Tax Provision4.5M6.8M8.3M3.8M4.4M5.8M
Net Interest Income56.5M65.6M70.2M55.7M64.0M57.1M
Interest Income72.1M73.9M83.8M97.4M112.1M74.8M

John Marshall Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash44.0M(32.7M)(44.2M)37.4M33.7M35.3M
Free Cash Flow23.8M32.0M33.0M17.4M20.0M18.0M
Depreciation2.6M2.2M1.9M1.7M2.0M1.5M
Other Non Cash Items5.8M3.0M277K13.2M15.2M15.9M
Capital Expenditures584K353K156K612K550.8K482.7K
Net Income18.5M25.5M31.8M5.2M5.9M5.6M
End Period Cash Flow138.5M105.8M61.6M99.0M113.9M119.5M
Investments(25.9M)(199.4M)(271.0M)127.9M115.1M120.8M
Net Borrowings(9.5M)(52M)(4M)7.1M6.4M6.7M
Change To Netincome2.1M5.0M2.8M798K917.7K871.8K

John Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining John Marshall's current stock value. Our valuation model uses many indicators to compare John Marshall value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across John Marshall competition to find correlations between indicators driving John Marshall's intrinsic value. More Info.
JavaScript chart by amCharts 3.21.15NECBOVLYCIZNCOFSMGYRHFBLJMSB -0.05-0.04-0.03-0.02-0.0100.010.020.03 -0.0500.050.100.15
John Marshall Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for John Marshall Bancorp is roughly  9.34 . At present, John Marshall's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the John Marshall's earnings, one of the primary drivers of an investment's value.

John Marshall Bancorp Systematic Risk

John Marshall's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. John Marshall volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on John Marshall Bancorp correlated with the market. If Beta is less than 0 John Marshall generally moves in the opposite direction as compared to the market. If John Marshall Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one John Marshall Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of John Marshall is generally in the same direction as the market. If Beta > 1 John Marshall moves generally in the same direction as, but more than the movement of the benchmark.
JavaScript chart by amCharts 3.21.152025FebMarFeb 17Feb 24MarMar 10Mar 17Mar 2417.017.518.018.519.019.520.0 10K20K30K40K50K60K70K 41K41.5K42K42.5K43K43.5K44K44.5K Show all
JavaScript chart by amCharts 3.21.15John Marshall Bancorp Volume John Marshall Bancorp Closing Prices Dow Jones Industrial Closing Prices - Benchmark John Marshall Bancorp Beta

About John Marshall Financials

What exactly are John Marshall Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include John Marshall's income statement, its balance sheet, and the statement of cash flows. Potential John Marshall investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although John Marshall investors may use each financial statement separately, they are all related. The changes in John Marshall's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on John Marshall's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in John Marshall Stock are looking for potential investment opportunities by analyzing not only static indicators but also various John Marshall's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of John Marshall growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.63)

At present, John Marshall's Price Earnings To Growth Ratio is projected to slightly grow based on the last few years of reporting.

John Marshall March 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of John Marshall help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of John Marshall Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of John Marshall Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing John Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build John Marshall's daily price indicators and compare them against related drivers.

Complementary Tools for John Stock analysis

When running John Marshall's price analysis, check to measure John Marshall's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy John Marshall is operating at the current time. Most of John Marshall's value examination focuses on studying past and present price action to predict the probability of John Marshall's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move John Marshall's price. Additionally, you may evaluate how the addition of John Marshall to your portfolios can decrease your overall portfolio volatility.
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