John Marshall Bancorp, Inc. (JMSB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the JMSB SEC filings page.
John Marshall Bancorp, Inc. (JMSB) reported $68.2M in revenue over the twelve months to Jun 30, 2026, up 17.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Profitability recovered after FY2023’s trough, while cash generation stayed close to earnings and leverage remained contained.
From FY2023 to FY2025, net income expanded 4.1x while operating cash flow rose only 1.3x, showing that earnings recovery outpaced cash expansion. By FY2025, operating cash flow exceeded net income by6.4% , indicating that reported profit was broadly converting into cash rather than depending on a widening non-cash gap.
Debt-to-equity rose from 0.1x in FY2023 to 0.3x in FY2025, so the balance sheet became more leveraged. Total equity nevertheless increased from
Interest expense fell from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of John Marshall Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
John Marshall Bancorp, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and John Marshall Bancorp, Inc. scores 37/100 among other banks.
John Marshall Bancorp, Inc. reported revenue of $62.6M in fiscal year 2025, against $53.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and John Marshall Bancorp, Inc. scores 86/100 among other banks.
John Marshall Bancorp, Inc. funded 11.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $265.6M of equity against $2.3B of assets. Capital ranks banks on that cushion, and John Marshall Bancorp, Inc. scores 52/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. John Marshall Bancorp, Inc. scores 57/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. John Marshall Bancorp, Inc. scores 82/100 on it among other banks.
John Marshall Bancorp, Inc. reported net income of $21.2M in fiscal year 2025, against $17.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and John Marshall Bancorp, Inc. scores 35/100 among other banks.
John Marshall Bancorp, Inc. passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, John Marshall Bancorp, Inc. generates $1.06 in operating cash flow ($22.6M OCF vs $21.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
John Marshall Bancorp, Inc. generated $18.8M in revenue in Q2 2026. This represents an increase of 21.7% from the same quarter a year earlier. Against the prior quarter it is up 11.8%.
John Marshall Bancorp, Inc. reported $7.0M in net income in Q2 2026. This represents an increase of 37.5% from the same quarter a year earlier. Against the prior quarter it is up 15.0%.
John Marshall Bancorp, Inc. earned $0.50 per diluted share (EPS) in Q2 2026. This represents an increase of 38.9% from the same quarter a year earlier. Against the prior quarter it is up 16.3%.
Not reported for Q2 2026.
Cash & Balance Sheet
John Marshall Bancorp, Inc. generated $5.0M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 31.8% from the same quarter a year earlier. Against the prior quarter it is down 40.9%.
John Marshall Bancorp, Inc. held $159.0M in cash against $80.9M in long-term debt as of Q2 2026.
John Marshall Bancorp, Inc. paid $0.09 per share in dividends in Q2 2026. This represents a decrease of 70.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
John Marshall Bancorp, Inc.'s net profit margin was 37.4% in Q2 2026, showing the share of revenue converted to profit. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.1 percentage points.
John Marshall Bancorp, Inc.'s ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
John Marshall Bancorp, Inc. repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
John Marshall Bancorp, Inc. invested $6K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 96.3% from the same quarter a year earlier. Against the prior quarter it is up 500.0%.
Not reported for Q2 2026.
JMSB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $18.8M+21.7% | $16.8M+15.0% | $16.4M+14.0% | $16.3M+18.0% | $15.4M+22.1% | $14.6M+16.2% | $14.3M-46.1% | $13.8M-47.6% |
| SG&A Expenses | $6.2M+18.9% | $5.6M+10.2% | $4.8M+2.2% | $5.7M+16.3% | $5.2M+6.2% | $5.1M+6.0% | $4.7M+3.4% | $4.9M-3.1% |
| Interest Expense | $12.4M-3.9% | $12.6M-4.8% | $13.2M-5.1% | $13.3M-12.6% | $12.9M-12.2% | $13.2M-13.0% | $13.9M-4.4% | $15.3M+6.9% |
| Income Tax | $2.0M+35.8% | $1.7M+27.1% | $1.8M+38.4% | $1.5M+31.8% | $1.5M+32.9% | $1.4M+13.6% | $1.3M-3.6% | $1.1M+172.4% |
| Net Income | $7.0M+37.5% | $6.1M+26.8% | $5.9M+23.8% | $5.4M+27.6% | $5.1M+30.7% | $4.8M+14.4% | $4.8M+6.1% | $4.2M+141.8% |
| EPS (Basic) | $0.50+38.9% | $0.43+26.5% | $0.42+27.3% | $0.38+26.7% | $0.36+33.3% | $0.34+13.3% | $0.33+3.1% | $0.30+141.7% |
| EPS (Diluted) | $0.50+38.9% | $0.43+26.5% | $0.42+27.3% | $0.38+26.7% | $0.36+33.3% | $0.34+13.3% | $0.33+6.5% | $0.30+141.7% |
| Diluted Shares (Avg) | 14M-1.3% | 14M-0.8% | N/A | 14M-0.3% | 14M+0.2% | 14M+0.4% | N/A | 14M+1.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
JMSB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.4B+5.9% | $2.4B+3.5% | $2.3B+4.4% | $2.3B+2.2% | $2.3B-0.1% | $2.3B+0.9% | $2.2B-0.3% | $2.3B-1.0% |
| Cash & Equivalents | $159.0M+36.0% | $150.2M-11.2% | $130.0M+6.1% | $163.6M-7.7% | $116.9M-36.0% | $169.1M+10.5% | $122.5M+23.7% | $177.2M-8.0% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $2.1B+5.7% | $2.1B+3.2% | $2.1B+4.0% | $2.1B+1.7% | $2.0B-1.0% | $2.0B+0.1% | $2.0B-1.2% | $2.0B-2.2% |
| Long-Term Debt | $80.9M+0.1% | $80.9M+0.1% | $80.9M+0.1% | $80.9M+0.1% | $80.8M+226.6% | $80.8M+226.8% | $80.8M+227.0% | $80.8M+227.2% |
| Total Equity | $273.8M+7.9% | $268.1M+6.0% | $265.6M+7.7% | $259.7M+6.8% | $253.7M+7.8% | $253.0M+7.8% | $246.6M+7.3% | $243.1M+10.2% |
| Retained Earnings | $187.5M+13.2% | $181.7M+10.3% | $176.9M+10.6% | $171.0M+10.2% | $165.6M+9.7% | $164.8M+9.4% | $160.0M+9.3% | $155.2M+9.4% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.
JMSB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.0M-33.1% | $8.5M+22.3% | $6.9M+25.0% | $1.2M-14.1% | $7.5M-25.9% | $7.0M+3876.6% | $5.5M+1.1% | $1.4M-31.4% |
| Depreciation & Amortization | $115K-8.7% | $125K-0.8% | $127K+12.4% | $128K+14.3% | $126K+14.5% | $126K+12.5% | $113K-5.8% | $112K-8.9% |
| Stock-Based Compensation | N/A | $141K+19.5% | N/A | N/A | N/A | $118K-10.6% | N/A | N/A |
| Capital Expenditures | $6K-96.3% | $1K-99.7% | $18K-92.9% | $33K-68.9% | $161K+222.0% | $342K+356.0% | $252K+83.9% | $106K+523.5% |
| Free Cash Flow | $5.0M-31.8% | $8.5M+28.6% | $6.9M+30.7% | $1.2M-9.6% | $7.4M-27.1% | $6.6M+6517.0% | $5.2M-1.1% | $1.3M-36.0% |
| Investing Cash Flow | -$40.2M+12.0% | -$414K-104.2% | -$43.2M-161.6% | -$9.6M-5.1% | -$45.7M-518.7% | $9.9M-78.5% | -$16.5M+51.5% | -$9.2M-107.3% |
| Financing Cash Flow | $44.0M+414.1% | $12.1M-59.3% | $2.7M+106.1% | $55.1M+2221.7% | -$14.0M-264.5% | $29.8M+268.0% | -$43.7M+32.7% | $2.4M+103.7% |
| Dividends Paid | $1.3M | $1.3M | $1K | $0-100.0% | N/A | N/A | $0 | $3K |
| Share Buybacks | $0-100.0% | $2.0M+4341.3% | $768K | $294K+29300.0% | $1.3M | $46K | $0 | -$1K |
JMSB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 37.4%+4.3pp | 36.3%+3.4pp | 36.2%+2.9pp | 33.3%+2.5pp | 33.1%+2.2pp | 32.9%-0.5pp | 33.3%+16.4pp | 30.8%+69.3pp |
| Return on Equity | 2.6%+0.6pp | 2.3%+0.4pp | 2.2%+0.3pp | 2.1%+0.3pp | 2.0%+0.3pp | 1.9%+0.1pp | 1.9%0.0pp | 1.7%+6.3pp |
| Return on Assets | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.6pp |
| Debt-to-Equity | 0.300.0x | 0.300.0x | 0.300.0x | 0.310.0x | 0.32+0.2x | 0.32+0.2x | 0.33+0.2x | 0.33+0.2x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 26.8%-21.0pp | 50.7%+5.4pp | 41.9%+5.4pp | 7.3%-2.2pp | 47.8%-32.3pp | 45.3%+44.5pp | 36.6%+16.6pp | 9.5%+1.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| John Marshall Bancorp, Inc. JMSB | FY2025 | $62.6M | $21.2M | 33.9% | $324.7M | 58/100 |
| Northeast Community Bancorp, Inc. NECB | FY2025 | $104.8M | $44.4M | 42.4% | $371.7M | 55/100 |
| Parke Bancorp Inc. PKBK | FY2025 | $79.9M | $37.8M | 47.3% | $378.6M | 73/100 |
| Timberland Bancorp Inc TSBK | FY2025 | $82.6M | $29.2M | 35.3% | $348.5M | 58/100 |
| Avidbank Holdings, Inc. AVBH | FY2025 | $30.9M | -$19.6M | -63.2% | $341.0M | 18/100 |
| Fidelity D & D Bancorp, Inc. FDBC | FY2025 | $93.2M | $28.2M | 30.3% | $317.9M | 40/100 |
Where John Marshall Bancorp, Inc. Ranks
Frequently Asked Questions
What is John Marshall Bancorp, Inc.'s annual revenue?
John Marshall Bancorp, Inc. (JMSB) reported $62.6M in total revenue for fiscal year 2025. This represents a 17.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is John Marshall Bancorp, Inc.'s revenue growing?
John Marshall Bancorp, Inc. (JMSB) revenue grew by 17.5% year-over-year, from $53.3M to $62.6M in fiscal year 2025.
Is John Marshall Bancorp, Inc. profitable?
Yes, John Marshall Bancorp, Inc. (JMSB) reported a net income of $21.2M in fiscal year 2025, with a net profit margin of 33.9%.
How much debt does John Marshall Bancorp, Inc. have?
As of fiscal year 2025, John Marshall Bancorp, Inc. (JMSB) had $130.0M in cash and equivalents against $80.9M in long-term debt.
What is John Marshall Bancorp, Inc.'s net profit margin?
John Marshall Bancorp, Inc. (JMSB) had a net profit margin of 33.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does John Marshall Bancorp, Inc. pay dividends?
Yes, John Marshall Bancorp, Inc. (JMSB) paid $0.30 per share in dividends during fiscal year 2025.
What is John Marshall Bancorp, Inc.'s return on equity (ROE)?
John Marshall Bancorp, Inc. (JMSB) has a return on equity of 8.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is John Marshall Bancorp, Inc.'s free cash flow?
John Marshall Bancorp, Inc. (JMSB) generated $22.0M in free cash flow during fiscal year 2025. This represents a 31.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is John Marshall Bancorp, Inc.'s operating cash flow?
John Marshall Bancorp, Inc. (JMSB) generated $22.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are John Marshall Bancorp, Inc.'s total assets?
John Marshall Bancorp, Inc. (JMSB) had $2.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are John Marshall Bancorp, Inc.'s capital expenditures?
John Marshall Bancorp, Inc. (JMSB) invested $554K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is John Marshall Bancorp, Inc.'s debt-to-equity ratio?
John Marshall Bancorp, Inc. (JMSB) had a debt-to-equity ratio of 0.30 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is John Marshall Bancorp, Inc.'s return on assets (ROA)?
John Marshall Bancorp, Inc. (JMSB) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is John Marshall Bancorp, Inc.'s P/E ratio?
John Marshall Bancorp, Inc. (JMSB) trades at 13.3x earnings, its market capitalization divided by net income of $24.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $324.7M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is John Marshall Bancorp, Inc.'s price-to-sales ratio?
John Marshall Bancorp, Inc. (JMSB) trades at 4.8x sales, its market capitalization divided by revenue of $68.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $324.7M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is John Marshall Bancorp, Inc.'s Piotroski F-Score?
John Marshall Bancorp, Inc. (JMSB) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are John Marshall Bancorp, Inc.'s earnings high quality?
John Marshall Bancorp, Inc. (JMSB) has an earnings quality ratio of 1.06x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is John Marshall Bancorp, Inc.?
John Marshall Bancorp, Inc. (JMSB) scores 58 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.