Stocks · Financial Services · Banks - Regional
John Marshall Bancorp, Inc. JMSB
$23.01 +0.48% Close, Oct 2, 2026 · NASDAQ · Market cap $324.7M
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 3.6× EBITDA, a high level of leverage.
- Earnings beat analyst estimates in each of the last 5 quarters (average surprise over the last four: +8.2%).
- The stock is in an uptrend: above its 200-day average for 135 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 45%
- EPS growth (TTM, YoY)Top 37%
- Revenue growth, 3-year CAGRBottom 32%
- Revenue growth accelerationTop 32%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 44%
- Gross marginBottom 30%
- Operating marginTop 38%
- Net debt / EBITDA (lower is better)Bottom 32%
- Interest coverBottom 32%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 42%
- EBITDA / enterprise valueTop 45%
- Sales / enterprise valueBottom 39%
- P/E vs own 5-year history (lower is better)Top 40%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 40%
- 6-month returnTop 33%
- 1-year return vs S&P 500Top 35%
- Distance from 52-week highTop 25%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 34%
- Consecutive EPS beatsTop 24%
- Upside to consensus price targetBottom 18%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 48%
- Maximum drawdown, 3 yearsBottom 20%
- Beta vs S&P 500 (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Bottom 32%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.7% | 5.3% | ↑ |
| EPS growth (YoY) | 27.2% | 29.1% | ↑ |
| Gross margin | 50.0% | 55.8% | ↑ |
| Operating margin | 21.3% | 26.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.3% | 3.7% | ↑ | Bottom 45% |
| EPS growth (TTM, YoY) | 29.1% | 27.2% | ↑ | Top 37% |
| Gross margin | 55.8% | 50.0% | ↑ | Bottom 30% |
| Operating margin | 26.1% | 21.3% | ↑ | Top 38% |
| Net margin | 20.5% | 16.7% | ↑ | — |
| Return on invested capital | 1.0% | — | Bottom 44% | |
| Revenue growth, 3-year CAGR | 10.4% | — | Bottom 32% |
Quality of earnings and balance sheet
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -2.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.65×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Share count change, 1 year
- -0.7%
- Share count change, 3-year CAGR
- -0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 5 of 5
- Average EPS surprise, last 4
- +8.2%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $24.00
- Target vs current price
- +4.3%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +14.9% | +1.1% | +7.5% | +4.7% | — |
| Apr 29, 2026 | +7.5% | -3.4% | -0.4% | -1.8% | +3.3% |
| Jan 28, 2026 | +7.7% | +0.1% | +5.1% | -0.1% | +5.8% |
| Oct 29, 2025 | +2.7% | -2.8% | -1.3% | +5.2% | +4.3% |
| Jul 23, 2025 | +5.9% | +1.1% | -1.7% | -2.5% | +1.2% |
| Apr 23, 2025 | — | +3.3% | +11.9% | +17.3% | +27.9% |
| Mar 28, 2025 | — | -0.9% | -13.4% | -9.4% | +7.7% |
| Oct 23, 2024 | — | +1.5% | +0.5% | +11.4% | -6.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.50 | $0.44 | +14.9% | $18.8M |
| Apr 29, 2026 | $0.43 | $0.40 | +7.5% | $16.8M |
| Jan 28, 2026 | $0.42 | $0.39 | +7.7% | $16.3M |
| Oct 29, 2025 | $0.38 | $0.37 | +2.7% | $16.3M |
| Jul 23, 2025 | $0.36 | $0.34 | +5.9% | $15.4M |
| Apr 23, 2025 | $0.34 | — | — | $27.8M |
| Mar 28, 2025 | $0.34 | — | — | $28.3M |
| Oct 23, 2024 | $0.30 | — | — | $29.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.3× | 13.5× | 43th | Top 42% |
| P/E (forward) | 12.1× | — | — | — |
| EV / EBITDA | 13.6× | — | — | Top 45% |
| EV / Sales | 3.71× | — | — | Bottom 39% |
| Earnings yield | 7.52% | — | — | Top 42% |
P/E over the past five years
Range 8.0× – 111.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +17.2%
- Earnings per share growth (TTM)
- +29.1%
- Change in P/E multiple
- -7.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 135
- 50-day average slope (20 days)
- +1.9%
- 200-day average slope (20 days)
- +1.5%
- Distance from 50-day average
- -0.4%
- Distance from 200-day average
- +7.8%
- RSI (14)
- 49.9
- Relative volume
- 1.06×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.9%
- Volatility vs own 5-year history
- 13th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.73
- Correlation with S&P 500
- 0.40
- Current drawdown from 1-year high
- -3.4%
- Maximum drawdown, 3 years
- -45.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 1, 2022 | Apr 14, 2025 | -52.1% | 613 days | Not yet recovered |
| Jun 16, 2022 | Jul 1, 2022 | -24.4% | 10 days | 85 days (Nov 1, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $324.7M
- P/E (TTM)
- 13.3
- EPS, diluted (TTM)
- $1.73
- Revenue (TTM)
- $119.4M
- Dividend yield
- 1.22%
- 52-week range
- $18.50 – $24.26
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $75.8M | $85.8M | $85.8M | $112.4M | $115.3M |
| Gross profit | $64.5M | $71.9M | $38.8M | $53.7M | $61.0M |
| Operating income | $32.3M | $40.1M | $8.0M | $21.9M | $27.4M |
| Net income | $25.5M | $31.8M | $5.2M | $17.1M | $21.2M |
| EPS (diluted) | $1.83 | $2.25 | $0.36 | $1.20 | $1.49 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $29.0M | $28.3M | $27.8M | $28.4M | $29.6M | $29.6M | $29.1M | $31.2M |
| Net income | $4.2M | $4.8M | $4.8M | $5.1M | $5.4M | $5.9M | $6.1M | $7.0M |
| EPS (diluted) | $0.30 | $0.34 | $0.34 | $0.36 | $0.38 | $0.42 | $0.43 | $0.50 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $32.4M | $33.2M | $18.0M | $17.3M | $22.6M |
| Capital expenditure | -$353,000 | -$156,000 | -$612,000 | -$483,000 | -$554,000 |
| Free cash flow | $32.0M | $33.0M | $17.4M | $16.8M | $22.0M |
| Dividends paid | $0 | -$2.8M | -$3.1M | -$3.6M | -$4.3M |
| Net share buybacks | $554,000 | $3.0M | -$6,000 | -$70,000 | -$2.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $6.5M
- Total assets
- $2.40B
- Total liabilities
- $2.13B
- Total debt
- $125.2M
- Net debt
- $118.7M
- Shareholders’ equity
- $273.6M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 5, 2026 | $0.10 | Aug 26, 2026 |
| May 13, 2026 | $0.09 | Jun 3, 2026 |
| Feb 11, 2026 | $0.09 | Mar 4, 2026 |
| Jun 27, 2025 | $0.30 | Jul 7, 2025 |
| Jun 28, 2024 | $0.25 | Jul 8, 2024 |
| Jun 26, 2023 | $0.22 | Jul 6, 2023 |
| May 9, 2022 | $0.20 | May 24, 2022 |
Short interest
- Shares sold short
- 340,199
- Days to cover
- 3.63
- Change vs previous report
- +83.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 6, 2017
- 5-for-4
- May 29, 2015
- 6-for-5