JMSB - NASDAQ

John Marshall Bancorp, Inc.

JMSB·NASDAQ

$20.76

-1.9%

Financial ServicesBanks - Regional

John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services. The company accepts checking, demand, NOW, savings, and money market accounts, as well as certificates of deposit. It offers commercial, construction and development, commercial term, mortgage, commercial real estate, industrial other commercial lines of credit; debit and credit cards; and treasury and cash management, investment, business and personal insurance, remote deposit capture, deposit sweep and online and mobile banking services. The company serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. It operates eight full-service branches in Alexandria, Reston, Arlington, Washington, Loudoun, Prince William, Rockville, and Tysons, as well as a loan production office in Arlington, Virginia. The company was founded in 2005 and is headquartered in Reston, Virginia.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$292.97M

EPS1.5000

P/E Ratio13.84

Earnings Date07/22/2026

2.33B

Assets

3Y-1.0%

5Y+24.0%

10Y+117.0%

2.07B

Total Liabilities

3Y-3.0%

5Y+22.0%

10Y+116.0%

265.64M

Total Equity

3Y+25.0%

5Y+43.0%

10Y+124.0%

John Marshall Bancorp, Inc. Funding & Solvency Profile

JMSB · NASDAQ

Current Assets

Cash & Cash Equivalents135.71M

Net Receivables0.00

Inventory0.00

Other Current Assets150.00K

Total Current Assets136 M

Non-Current Assets

Property, Plant & Equipment5.87M

Goodwill & Intangible Assets0.00

Long-Term Investments0.00

Other Non-Current Assets-5.87M

Total Non-Current Assets0

Total Assets

2.33B

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.78x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1044316000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

6% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

John Marshall Bancorp, Inc. Balance Sheet

JMSB • NASDAQ

John Marshall Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	135.7M	122.5M	99M	61.6M	105.8M	138.5M	94.5M	101.6M	38.1M	54.6M	55M	28.6M	29.2M	4.3M
Short-Term Investments	0.0	20.8M	170M	357.6M	239.3M	151.9M	122.7M	61.1M	54.7M	48.3M	32.1M	13.5M	48.7M	0.0
Cash & Short-Term Investments	135.7M	143.3M	269M	419.2M	345.1M	290.4M	217.2M	162.6M	92.8M	102.9M	87.1M	42.1M	77.9M	4.3M
Net Receivables	0.0	6M	6.1M	5.5M	4.9M	5.3M	4M	3.6M	3.3M	3M	2.3M	2.2M	1.9M	0.0
Accounts Receivables	0.0	6M	6.1M	5.5M	4.9M	5.3M	4M	3.6M	3.3M	3M	2.3M	2.2M	1.9M	0.0
Other Current Assets	150K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	135.9M	149.3M	275.1M	424.7M	350M	295.7M	221.2M	166.2M	96.1M	105.9M	89.4M	44.2M	79.8M	4.3M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	5.9M	6.3M	5.5M	5.8M	6.5M	8.4M	9.6M	2.9M	2.5M	2.5M	2.7M	3M	3.1M	2.4M
Long-Term Investments	0.0	2.1B	1.9B	1.9B	1.8B	1.5B	1.3B	1.2B	1B	930.3M	821.1M	726.7M	569.2M	0.0
Other Non-Current Assets	-5.9M	7.4M	23.3M	46.9M	38.9M	35M	35.9M	37.5M	36.9M	36.7M	15.4M	12.9M	10.4M	0.0
Total Non-Current Assets	0.0	2.1B	2B	1.9B	1.8B	1.6B	1.4B	1.2B	1.1B	969.4M	839.2M	742.6M	582.7M	2.4M
Other Assets	2.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	556.6M
Total Assets	2.3B	2.2B	2.2B	2.3B	2.1B	1.9B	1.6B	1.4B	1.2B	1.1B	928.6M	786.8M	662.5M	563.4M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	2.4M	4.6M	1M	843K	877K	1.1M	1.2M	996K	220K	109K	132K	132K	0.0
Accounts Payable	0.0	2.4M	4.6M	1M	843K	877K	1.1M	1.2M	996K	220K	109K	132K	132K	0.0
Accrued Expenses	0.0	0.0	4.6M	0.0	0.0	0.0	0.0	0.0	0.0	220K	109K	132K	132K	0.0
Short Term Debt	0.0	0.0	10M	25.5M	0.0	0.0	12M	15M	10M	14.2M	12M	12.4M	13.3M	0.0
Tax Payables	0.0	0.0	0.0	10.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.2B	1.9B	1.9B	2.1B	1.9B	1.6B	1.3B	1.1B	896.9M	832.9M	730.9M	617.6M	514.9M	0.0
Total Current Liabilities	1.2B	1.9B	1.9B	2.1B	1.9B	1.6B	1.3B	1.2B	907.9M	847.5M	743M	630.3M	528.5M	128K
NON-CURRENT LIABILITIES
Long Term Debt	85.7M	80.8M	24.7M	24.6M	42.7M	46.7M	86.6M	93.1M	133M	104M	71M	52M	39M	38M
Other Non-Current Liabilities	-90.5M	7.4M	62.3M	11.7M	10.5M	5.5M	4M	4.9M	5.2M	5.1M	5.3M	4.9M	4.4M	0.0
Total Non-Current Liabilities	0.0	93.5M	91.5M	41.2M	58.4M	58.4M	98.1M	98M	138.2M	109.1M	76.3M	56.9M	43.4M	38M
Other Liabilities	886.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	472.2M
Capital Lease Obligations	4.8M	5.4M	4.4M	4.9M	5.2M	6.2M	7.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	2.1B	2B	2B	2.1B	1.9B	1.7B	1.4B	1.3B	1B	956.6M	819.3M	687.2M	571.9M	510.3M
SHAREHOLDERS' EQUITY
Common Stock	141K	142K	141K	141K	137K	135K	131K	128K	127K	50.7M	50.1M	41.5M	41.4M	23.5M
Additional Paid-In Capital	95.7M	97.2M	95.6M	94.7M	91.1M	90M	87.4M	85.1M	83.9M	32.1M	31.3M	39M	38.6M	0.0
Retained Earnings	176.9M	160M	146.4M	146.6M	117.6M	92.2M	73.6M	57.7M	45.5M	36.5M	28.2M	19.3M	11.3M	4.2M
Accumulated Other Comprehensive Income/Loss	-7.1M	-10.7M	-12.3M	-28.7M	-400K	3.8M	777K	-955K	-671K	-457K	-247K	-187K	-638K	0.0
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	25.3M
Total Stockholders' Equity	265.6M	246.6M	229.9M	212.8M	208.5M	186.1M	162M	142M	128.9M	118.8M	109.3M	99.6M	90.7M	53.1M
Total Equity	265.6M	246.6M	229.9M	212.8M	208.5M	186.1M	162M	142M	128.9M	118.8M	109.3M	99.6M	90.7M	53.1M
SUMMARY
Total Liabilities & Equity	2.3B	2.2B	2.2B	2.3B	2.1B	1.9B	1.6B	1.4B	1.2B	1.1B	928.6M	786.8M	662.5M	0.0
Total Investments	0.0	2.1B	2.1B	2.2B	2B	1.7B	1.4B	1.2B	1.1B	978.6M	853.3M	740.2M	617.9M	0.0
Total Debt	90.5M	86.2M	39.2M	55M	47.9M	52.9M	106.1M	108.1M	143M	118.2M	83M	64.4M	52.3M	0.0
Net Debt	-45.2M	-36.3M	-59.9M	-6.6M	-57.9M	-85.6M	11.6M	6.5M	104.9M	63.6M	28M	35.8M	23.1M	-4.3M
Shares Outstanding	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903	14,240,903

SEC Filings

JMSB - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 29, 2026	June 16, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 15, 2026	April 15, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 13, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 14, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 29, 2025	October 29, 2025	2025	View Filing

Showing 1 to 10 of 70 filings

Related Guides

Blog Categories

Continue your JMSB research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.