John Marshall Bancorp Inc. Common Stock (JMSB)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the bank, not the stock chart. John Marshall is a $324.7M market-cap regional bank with 140 employees, serving Arlington, Fairfax, Loudoun, Prince William, Montgomery and D.C. That gives it local deposit and lending relationships, but no wide moat; banking is commoditized and competitors are many. The recent record is improving: in the quarter ended 2026-06-30, filed net income was $7.0M and diluted EPS $0.50, up from $5.1M and $0.36 in the quarter ended 2025-06-30. In the quarter ended 2026-03-31, net income was $6.1M and EPS $0.43. For FY2025, the company reported net income of $21.2M and diluted EPS of $1.49, versus $17.1M and $1.20 in FY2024 and $5.2M and $0.36 in FY2023. Still, FairStock classifies it as a SLOW GROWER — Shrinking, with profit -4.4% a year over four years, so the long-term trend is not as clean as the last two years suggest. At the 2026-10-13 close of $23.01, FairStock calculates P/E 13.30, P/B 1.18, ROE 9.27%, PEG 0.56, Piotroski 6/9 and dividend yield 1.22%. A sub-10% ROE with a price above book is not obviously cheap; the low beta (0.42) and possible PEG appeal are offsets. The data do not include CET1, net interest margin, efficiency ratio or credit metrics; a combined ratio is not applicable to a bank and is not provided. Without those, I would call it a fairly valued, small, improving regional bank—not a wide-moat bargain.

In plain English: John Marshall Bancorp is a small regional bank serving the Washington, D.C. area. It has been profitable, and recent quarters show earnings up from a year ago, but the longer-term record is mixed. At $23.01, the stock does not look like a deep bargain; it trades slightly above the value of its net assets and at a moderate multiple of recent profit.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer