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John Marshall Bancorp (JMSB) Financials

John Marshall Bancorp logo
$22.17 0.00 (0.00%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$22.22 +0.05 (+0.25%)
As of 07/2/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for John Marshall Bancorp

Annual Income Statements for John Marshall Bancorp

This table shows John Marshall Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 25 32 5.16 17 21
Consolidated Net Income / (Loss)		 25 32 5.16 17 21
Net Income / (Loss) Continuing Operations		 25 32 5.16 17 21
Total Pre-Tax Income 		32 40 7.98 22 27
Total Revenue		 68 72 37 53 63
Net Interest Income / (Expense)		 66 70 50 51 61
Total Interest Income		 74 84 101 110 113
Loans and Leases Interest Income		 69 74 86 96 103
Investment Securities Interest Income		 4.53 8.30 7.56 5.12 4.72
Deposits and Money Market Investments Interest Income		 0.18 1.48 6.78 8.68 5.89
Total Interest Expense		 8.21 14 50 59 53
Deposits Interest Expense		 6.60 12 47 54 49
Short-Term Borrowings Interest Expense		 0.13 0.04 0.07 0.75 2.27
Long-Term Debt Interest Expense		 1.49 1.81 1.40 1.40 1.40
Federal Funds Purchased and Securities Sold Interest Expense		 0.00 0.02 0.02 2.45 0.00
Total Non-Interest Income		 1.72 1.69 -15 2.27 2.07
Trust Fees by Commissions		 0.28 0.38 0.39 0.42 0.33
Service Charges on Deposit Accounts		 0.26 0.32 0.33 0.35 0.34
Other Service Charges		 0.75 0.80 0.99 0.75 0.69
Net Realized & Unrealized Capital Gains on Investments		 0.01 -0.35 -17 0.76 0.72
Provision for Credit Losses		 3.11 0.18 -3.25 -0.37 1.69
Total Non-Interest Expense		 32 32 31 32 34
Salaries and Employee Benefits		 20 20 19 19 21
Net Occupancy & Equipment Expense		 3.42 3.22 2.99 2.98 2.83
Other Operating Expenses		 8.43 8.47 10 9.59 10
Income Tax Expense		 6.80 8.26 2.82 4.76 6.15
Basic Earnings per Share		 $1.87 $2.27 $0.37 $1.20 $1.49
Weighted Average Basic Shares Outstanding		 - 14.12M 14.17M 14.28M 14.21M
Diluted Earnings per Share		 $1.83 $2.25 $0.36 $1.20 $1.49
Weighted Average Diluted Shares Outstanding		 - 14.12M 14.17M 14.28M 14.21M
Weighted Average Basic & Diluted Shares Outstanding		 - 14.12M 14.17M 14.28M 14.21M
Cash Dividends to Common per Share		 - $0.00 $0.22 $0.25 $0.30

Quarterly Income Statements for John Marshall Bancorp

This table shows John Marshall Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -10 4.50 4.20 3.91 4.24 4.78 4.81 5.10 5.40 5.92 6.10
Consolidated Net Income / (Loss)		 -10 4.50 4.20 3.91 4.24 4.78 4.81 5.10 5.40 5.92 6.10
Net Income / (Loss) Continuing Operations		 -10 4.50 4.20 3.91 4.24 4.78 4.81 5.10 5.40 5.92 6.10
Total Pre-Tax Income 		-12 5.88 5.41 5.02 5.34 6.10 6.18 6.58 6.86 7.75 7.85
Total Revenue		 -4.17 14 13 13 14 14 15 15 16 16 17
Net Interest Income / (Expense)		 12 12 12 12 13 14 14 15 16 16 17
Total Interest Income		 26 27 27 27 28 28 27 28 29 29 29
Loans and Leases Interest Income		 22 23 24 23 24 25 25 25 26 26 27
Investment Securities Interest Income		 1.59 1.40 1.36 1.29 1.24 1.23 1.16 1.20 1.17 1.18 1.29
Deposits and Money Market Investments Interest Income		 2.75 2.12 1.94 2.14 2.88 1.72 1.33 1.42 1.58 1.55 1.21
Total Interest Expense		 14 15 15 15 15 14 13 13 13 13 13
Deposits Interest Expense		 13 14 14 13 14 13 12 12 12 12 12
Short-Term Borrowings Interest Expense		 0.00 - 0.00 0.00 0.17 0.57 0.56 0.57 0.57 0.57 0.55
Long-Term Debt Interest Expense		 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35
Total Non-Interest Income		 -17 0.62 0.82 0.56 0.62 0.28 0.51 0.51 0.65 0.41 0.28
Trust Fees by Commissions		 0.05 0.08 0.25 0.04 0.06 0.06 0.21 0.03 0.06 0.02 0.06
Service Charges on Deposit Accounts		 0.09 0.09 0.09 0.09 0.08 0.09 0.08 0.09 0.09 0.08 0.09
Other Service Charges		 0.17 0.17 0.22 0.18 0.17 0.18 0.15 0.15 0.24 0.15 0.14
Net Realized & Unrealized Capital Gains on Investments		 -17 0.29 0.26 0.25 0.30 -0.05 0.06 0.24 0.26 0.16 -0.01
Provision for Credit Losses		 -0.83 -0.78 -0.78 -0.29 0.40 0.30 0.17 0.54 0.36 0.63 0.02
Total Non-Interest Expense		 7.66 7.55 7.92 7.91 8.03 7.95 8.25 8.31 9.03 7.97 8.92
Salaries and Employee Benefits		 5.05 4.51 4.81 4.88 4.90 4.66 5.10 5.18 5.69 4.76 5.62
Net Occupancy & Equipment Expense		 0.73 0.74 0.75 0.75 0.75 0.74 0.72 0.72 0.73 0.65 0.75
Other Operating Expenses		 2.54 3.28 2.37 2.29 2.39 2.55 2.43 2.41 2.61 2.56 2.55
Income Tax Expense		 -1.53 1.38 1.21 1.11 1.11 1.33 1.37 1.48 1.46 1.84 1.75
Basic Earnings per Share		 ($0.72) $0.32 $0.30 $0.27 $0.30 $0.33 $0.34 $0.36 $0.38 $0.41 $0.43
Weighted Average Basic Shares Outstanding		 14.13M 14.17M 14.22M 14.23M 14.24M 14.28M 14.28M 14.22M 14.18M 14.21M 14.11M
Diluted Earnings per Share		 ($0.72) $0.32 $0.30 $0.27 $0.30 $0.33 $0.34 $0.36 $0.38 $0.41 $0.43
Weighted Average Diluted Shares Outstanding		 14.13M 14.17M 14.22M 14.23M 14.24M 14.28M 14.28M 14.22M 14.18M 14.21M 14.11M
Weighted Average Basic & Diluted Shares Outstanding		 14.13M 14.17M 14.22M 14.23M 14.24M 14.28M 14.28M 14.22M 14.18M 14.21M 14.11M
Cash Dividends to Common per Share		 $0.22 - - $0.25 - - - $0.30 - - $0.09

Annual Cash Flow Statements for John Marshall Bancorp

This table details how cash moves in and out of John Marshall Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -33 -44 37 23 7.51
Net Cash From Operating Activities		 32 33 18 17 23
Net Cash From Continuing Operating Activities		 32 33 18 17 23
Net Income / (Loss) Continuing Operations		 25 32 5.16 17 21
Consolidated Net Income / (Loss)		 25 32 5.16 17 21
Provision For Loan Losses		 3.11 0.18 -3.25 -0.37 1.69
Depreciation Expense		 0.81 0.56 0.48 0.45 0.51
Amortization Expense		 1.95 1.65 1.05 1.02 0.89
Non-Cash Adjustments to Reconcile Net Income		 -0.76 0.98 18 -0.49 -0.36
Changes in Operating Assets and Liabilities, net		 1.78 -2.01 -3.58 -0.47 -1.38
Net Cash From Investing Activities		 -303 -271 145 31 -89
Net Cash From Continuing Investing Activities		 -303 -271 145 31 -89
Purchase of Property, Leasehold Improvements and Equipment		 -0.35 -0.16 -0.61 -0.48 -0.55
Purchase of Investment Securities		 -347 -331 -0.95 -2.62 -32
Sale of Property, Leasehold Improvements and Equipment		 0.04 0.00 0.08 0.00 0.05
Sale and/or Maturity of Investments		 44 60 218 52 52
Other Investing Activities, net		 - - -72 -18 -108
Net Cash From Financing Activities		 238 194 -125 -25 74
Net Cash From Continuing Financing Activities		 238 194 -125 -25 74
Net Change in Deposits		 241 186 -161 -14 80
Issuance of Debt		 0.00 25 54 56 0.00
Repayment of Debt		 -4.00 -18 -16 -64 0.00
Repurchase of Common Equity		 - - 0.00 -0.05 -2.42
Payment of Dividends		 0.00 -2.80 -3.11 -3.56 -4.27
Other Financing Activities, Net		 0.55 3.05 0.31 1.03 0.42
Cash Interest Paid		 8.20 13 47 61 53
Cash Income Taxes Paid		 6.83 6.58 4.11 1.32 5.93

Quarterly Cash Flow Statements for John Marshall Bancorp

This table details how cash moves in and out of John Marshall Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 63 -94 54 30 -5.38 -55 47 -52 47 -34 20
Net Cash From Operating Activities		 2.06 5.44 0.18 10 1.42 5.50 6.96 7.53 1.22 6.87 8.51
Net Cash From Continuing Operating Activities		 2.06 5.44 0.18 10 1.42 5.50 6.96 7.53 1.22 6.87 8.51
Net Income / (Loss) Continuing Operations		 -10 4.50 4.20 3.91 4.24 4.78 4.81 5.10 5.40 5.92 6.10
Consolidated Net Income / (Loss)		 -10 4.50 4.20 3.91 4.24 4.78 4.81 5.10 5.40 5.92 6.10
Provision For Loan Losses		 -0.83 -0.78 -0.78 -0.29 0.40 0.30 0.17 0.54 0.36 0.62 0.02
Depreciation Expense		 0.12 0.12 0.11 0.11 0.11 0.11 0.13 0.13 0.13 0.13 0.13
Amortization Expense		 0.26 0.26 0.25 0.24 0.23 0.30 0.23 0.05 0.41 0.20 0.21
Non-Cash Adjustments to Reconcile Net Income		 17 0.16 -0.14 -0.16 -0.27 0.09 -0.28 -0.04 -0.23 0.19 0.10
Changes in Operating Assets and Liabilities, net		 -4.80 1.18 -3.48 6.36 -3.28 -0.07 1.90 1.75 -4.86 -0.18 1.95
Net Cash From Investing Activities		 126 -34 46 11 -9.17 -17 9.85 -46 -9.64 -43 -0.41
Net Cash From Continuing Investing Activities		 126 -34 46 11 -9.17 -17 9.85 -46 -9.64 -43 -0.41
Purchase of Property, Leasehold Improvements and Equipment		 -0.02 -0.14 -0.08 -0.05 -0.11 -0.25 -0.34 -0.16 -0.03 -0.02 -0.00
Purchase of Investment Securities		 -0.28 -0.15 -0.04 -0.04 -2.54 -0.20 -3.68 -10 0.05 -18 -15
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - - - 0.05 -0.00 - - 0.00
Sale and/or Maturity of Investments		 157 6.91 46 -18 11 14 12 11 13 14 13
Other Investing Activities, net		 - -41 - - -17 -30 1.36 - -23 -39 1.57
Net Cash From Financing Activities		 -65 -65 8.09 8.51 2.38 -44 30 -14 55 2.67 12
Net Cash From Continuing Financing Activities		 -65 -65 8.09 8.51 2.38 -44 30 -14 55 2.67 12
Net Change in Deposits		 -65 -75 -5.61 12 23 -44 30 -25 72 3.46 15
Repurchase of Common Equity		 - - 0.00 -0.05 0.00 - -0.05 -1.31 -0.29 -0.77 -2.04
Payment of Dividends		 - - - - -0.00 - 0.00 - - -0.00 -1.28
Other Financing Activities, Net		 - -0.01 0.70 0.27 0.07 -0.00 0.07 0.37 - -0.01 -0.00
Cash Interest Paid		 14 13 17 14 17 14 14 13 14 13 13

Annual Balance Sheets for John Marshall Bancorp

This table presents John Marshall Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,149 2,348 2,243 2,235 2,333
Cash and Due from Banks		 2.92 6.58 7.42 5.95 6.49
Interest Bearing Deposits at Other Banks		 103 55 92 117 123
Trading Account Securities		 347 459 268 225 215
Loans and Leases, Net of Allowance		 1,646 1,769 1,840 1,853 1,956
Loans and Leases		 1,666 1,790 1,860 1,872 1,975
Allowance for Loan and Lease Losses		 20 20 20 19 20
Premises and Equipment, Net		 1.62 1.22 1.28 1.32 1.32
Other Assets		 49 57 34 33 31
Total Liabilities & Shareholders' Equity		 2,149 2,348 2,243 2,235 2,333
Total Liabilities		 1,941 2,135 2,013 1,988 2,067
Non-Interest Bearing Deposits		 489 477 411 433 433
Interest Bearing Deposits		 1,393 1,591 1,495 1,459 1,540
Accrued Interest Payable		 0.84 1.04 4.56 2.39 2.12
Long-Term Debt		 43 25 79 81 81
Other Long-Term Liabilities		 16 17 13 13 12
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 208 213 230 247 266
Total Preferred & Common Equity		 208 213 230 247 266
Preferred Stock		 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 208 213 230 247 266
Common Stock		 91 95 96 97 96
Retained Earnings		 118 147 146 160 177
Accumulated Other Comprehensive Income / (Loss)		 -0.40 -29 -12 -11 -7.12

Quarterly Balance Sheets for John Marshall Bancorp

This table presents John Marshall Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,298 2,252 2,270 2,274 2,272 2,268 2,325 2,352
Cash and Due from Banks		 7.64 5.70 10 8.16 11 9.42 8.87 9.13
Interest Bearing Deposits at Other Banks		 185 147 173 169 159 108 155 141
Trading Account Securities		 268 256 245 240 219 219 208 217
Loans and Leases, Net of Allowance		 1,800 1,807 1,809 1,824 1,852 1,898 1,918 1,954
Loans and Leases		 1,820 1,826 1,827 1,843 1,870 1,917 1,938 1,974
Allowance for Loan and Lease Losses		 20 19 18 18 19 19 20 20
Premises and Equipment, Net		 1.26 1.24 1.18 1.18 1.48 1.52 1.42 1.19
Other Assets		 36 34 33 32 32 33 33 31
Total Liabilities & Shareholders' Equity		 2,298 2,252 2,270 2,274 2,272 2,268 2,325 2,352
Total Liabilities		 2,078 2,017 2,034 2,031 2,019 2,014 2,065 2,084
Non-Interest Bearing Deposits		 438 405 437 472 438 439 447 458
Interest Bearing Deposits		 1,544 1,496 1,476 1,464 1,484 1,458 1,522 1,530
Accrued Interest Payable		 2.61 2.95 4.03 2.30 2.07 2.28 1.87 1.99
Long-Term Debt		 79 102 102 81 81 81 81 81
Other Long-Term Liabilities		 15 12 16 12 14 18 13 14
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 221 235 235 243 253 254 260 268
Total Preferred & Common Equity		 221 235 235 243 253 254 260 268
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 221 235 235 243 253 254 260 268
Common Stock		 96 97 97 97 97 97 96 94
Retained Earnings		 142 151 151 155 165 166 171 182
Accumulated Other Comprehensive Income / (Loss)		 -17 -13 -13 -9.22 -9.26 -8.49 -7.76 -7.53

Annual Metrics And Ratios for John Marshall Bancorp

This table displays calculated financial ratios and metrics derived from John Marshall Bancorp's official financial filings.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 14,076,110.00 14,126,084.00 - 14,175,540.00
DEI Adjusted Shares Outstanding		 0.00 14,076,110.00 14,126,084.00 - 14,175,540.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 2.26 0.37 - 1.50
Growth Metrics		 - - - - -
Revenue Growth		 0.00% 6.63% -48.44% 43.39% 17.48%
EBITDA Growth		 0.00% 20.68% -73.62% 109.35% 23.31%
EBIT Growth		 0.00% 24.19% -75.99% 127.41% 25.16%
NOPAT Growth		 0.00% 24.91% -83.78% 231.93% 24.02%
Net Income Growth		 0.00% 24.91% -83.78% 231.93% 24.02%
EPS Growth		 0.00% 22.95% -84.00% 233.33% 24.17%
Operating Cash Flow Growth		 0.00% 2.48% -45.70% -4.14% 30.85%
Free Cash Flow Firm Growth		 0.00% 0.00% -244.90% 97.48% 227.86%
Invested Capital Growth		 0.00% -5.48% 29.99% 6.09% 5.84%
Revenue Q/Q Growth		 0.00% 0.00% -11.00% 4.63% 3.30%
EBITDA Q/Q Growth		 0.00% 0.00% -25.17% 4.11% 5.74%
EBIT Q/Q Growth		 0.00% 0.00% -28.01% 4.23% 6.41%
NOPAT Q/Q Growth		 0.00% 0.00% -41.78% 1.64% 5.67%
Net Income Q/Q Growth		 0.00% 0.00% -41.78% 1.64% 5.67%
EPS Q/Q Growth		 0.00% 0.00% -40.98% 0.84% 5.67%
Operating Cash Flow Q/Q Growth		 0.00% -4.91% -12.42% 0.34% 6.49%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 78.66% -38.15%
Invested Capital Q/Q Growth		 0.00% 0.00% 3.13% 1.09% 1.75%
Profitability Metrics		 - - - - -
EBITDA Margin		 51.79% 58.62% 29.99% 43.78% 45.95%
EBIT Margin		 47.70% 55.56% 25.87% 41.03% 43.72%
Profit (Net Income) Margin		 37.65% 44.10% 13.87% 32.11% 33.90%
Tax Burden Percent		 78.92% 79.38% 64.63% 78.25% 77.54%
Interest Burden Percent		 100.00% 100.00% 82.95% 100.00% 100.00%
Effective Tax Rate		 21.08% 20.62% 35.37% 21.75% 22.46%
Return on Invested Capital (ROIC)		 10.14% 13.02% 1.89% 5.38% 6.30%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.14% 13.02% 1.89% 5.38% 6.30%
Return on Net Nonoperating Assets (RNNOA)		 2.08% 2.08% 0.44% 1.80% 1.99%
Return on Equity (ROE)		 12.21% 15.10% 2.33% 7.19% 8.29%
Cash Return on Invested Capital (CROIC)		 0.00% 18.66% -24.19% -0.52% 0.63%
Operating Return on Assets (OROA)		 1.50% 1.78% 0.42% 0.98% 1.20%
Return on Assets (ROA)		 1.18% 1.41% 0.22% 0.76% 0.93%
Return on Common Equity (ROCE)		 12.21% 15.10% 2.33% 7.19% 8.29%
Return on Equity Simple (ROE_SIMPLE)		 12.21% 14.95% 2.24% 6.94% 7.99%
Net Operating Profit after Tax (NOPAT)		 25 32 5.16 17 21
NOPAT Margin		 37.65% 44.10% 13.87% 32.11% 33.90%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.24% 32.46% 60.31% 41.67% 37.61%
Operating Expenses to Revenue		 47.71% 44.20% 82.87% 59.66% 53.59%
Earnings before Interest and Taxes (EBIT)		 32 40 9.62 22 27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 35 42 11 23 29
Valuation Ratios		 - - - - -
Price to Book Value (P/BV)		 0.00 1.88 1.36 1.15 1.05
Price to Tangible Book Value (P/TBV)		 0.00 1.88 1.36 1.15 1.05
Price to Revenue (P/Rev)		 0.00 5.56 8.42 5.30 4.47
Price to Earnings (P/E)		 0.00 12.60 60.69 16.51 13.20
Dividend Yield		 0.00% 0.70% 0.99% 1.25% 1.51%
Earnings Yield		 0.00% 7.94% 1.65% 6.06% 7.58%
Enterprise Value to Invested Capital (EV/IC)		 0.00 1.53 0.95 0.74 0.67
Enterprise Value to Revenue (EV/Rev)		 0.00 5.04 7.87 4.52 3.69
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 8.60 26.25 10.32 8.03
Enterprise Value to EBIT (EV/EBIT)		 0.00 9.08 30.43 11.01 8.44
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 11.44 56.75 14.07 10.88
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 10.97 16.26 13.96 10.23
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 7.98 0.00 0.00 108.74
Leverage & Solvency		 - - - - -
Debt to Equity		 0.21 0.12 0.34 0.33 0.30
Long-Term Debt to Equity		 0.21 0.12 0.34 0.33 0.30
Financial Leverage		 0.21 0.16 0.23 0.33 0.32
Leverage Ratio		 10.31 10.68 10.37 9.40 8.92
Compound Leverage Factor		 10.31 10.68 8.60 9.40 8.92
Debt to Total Capital		 17.01% 10.37% 25.50% 24.68% 23.34%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 17.01% 10.37% 25.50% 24.68% 23.34%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 82.99% 89.63% 74.50% 75.32% 76.66%
Debt to EBITDA		 1.22 0.58 7.06 3.46 2.81
Net Debt to EBITDA		 -1.80 -0.87 -1.82 -1.79 -1.71
Long-Term Debt to EBITDA		 1.22 0.58 7.06 3.46 2.81
Debt to NOPAT		 1.68 0.77 15.26 4.72 3.81
Net Debt to NOPAT		 -2.48 -1.16 -3.94 -2.43 -2.31
Long-Term Debt to NOPAT		 1.68 0.77 15.26 4.72 3.81
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - -
Cash Flow Metrics		 - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 46 -66 -1.66 2.13
Operating Cash Flow to CapEx		 10,174.21% 21,253.21% 3,396.98% 3,573.29% 4,454.44%
Free Cash Flow to Firm to Interest Expense		 0.00 3.34 -1.31 -0.03 0.04
Operating Cash Flow to Interest Expense		 3.94 2.43 0.36 0.29 0.43
Operating Cash Flow Less CapEx to Interest Expense		 3.90 2.42 0.35 0.28 0.42
Efficiency Ratios		 - - - - -
Asset Turnover		 0.03 0.03 0.02 0.02 0.03
Fixed Asset Turnover		 41.75 50.80 29.75 41.03 47.58
Capital & Investment Metrics		 - - - - -
Invested Capital		 251 237 309 327 347
Invested Capital Turnover		 0.27 0.30 0.14 0.17 0.19
Increase / (Decrease) in Invested Capital		 0.00 -14 71 19 19
Enterprise Value (EV)		 0.00 364 293 241 231
Market Capitalization		 0.00 401 313 283 280
Book Value per Share		 $0.00 $15.12 $16.28 $17.32 $18.74
Tangible Book Value per Share		 $0.00 $15.12 $16.28 $17.32 $18.74
Total Capital		 251 237 309 327 347
Total Debt		 43 25 79 81 81
Total Long-Term Debt		 43 25 79 81 81
Net Debt		 -63 -37 -20 -42 -49
Capital Expenditures (CapEx)		 0.32 0.16 0.53 0.48 0.51
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 43 25 79 81 81
Total Depreciation and Amortization (D&A)		 2.77 2.21 1.53 1.46 1.40
Earnings Adjustments		 - - - - -
Adjusted Basic Earnings per Share		 $0.00 $2.27 $0.37 $1.20 $1.49
Adjusted Weighted Average Basic Shares Outstanding		 0.00 14.12M 14.17M 14.28M 14.21M
Adjusted Diluted Earnings per Share		 $0.00 $2.25 $0.36 $1.20 $1.49
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 14.12M 14.17M 14.28M 14.21M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 14.12M 14.17M 14.28M 14.21M
Normalized Net Operating Profit after Tax (NOPAT)		 25 32 5.16 17 21
Normalized NOPAT Margin		 37.65% 44.10% 13.87% 32.11% 33.90%
Pre Tax Income Margin		 47.70% 55.56% 21.46% 41.03% 43.72%
Debt Service Ratios		 - - - - -
EBIT to Interest Expense		 3.93 2.94 0.19 0.37 0.52
NOPAT to Interest Expense		 3.10 2.33 0.10 0.29 0.40
EBIT Less CapEx to Interest Expense		 3.89 2.92 0.18 0.36 0.51
NOPAT Less CapEx to Interest Expense		 3.06 2.32 0.09 0.28 0.39
Payout Ratios		 - - - - -
Dividend Payout Ratio		 0.00% 8.80% 60.26% 20.78% 20.11%
Augmented Payout Ratio		 0.00% 8.80% 60.26% 21.07% 31.51%

Quarterly Metrics And Ratios for John Marshall Bancorp

This table displays calculated financial ratios and metrics derived from John Marshall Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 14,126,138.00 14,126,084.00 14,171,106.00 14,221,106.00 14,231,103.00 - 14,275,442.00 14,278,336.00 14,218,979.00 14,175,540.00 14,213,556.00
DEI Adjusted Shares Outstanding		 14,126,138.00 14,126,084.00 14,171,106.00 14,221,106.00 14,231,103.00 - 14,275,442.00 14,278,336.00 14,218,979.00 14,175,540.00 14,213,556.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.72 0.32 0.30 0.27 0.30 - 0.34 0.36 0.38 0.42 0.43
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -123.01% -25.21% -16.45% -0.46% 429.97% 5.27% 16.24% 22.14% 18.01% 13.96% 15.00%
EBITDA Growth		 -199.77% -34.15% -31.45% -12.06% 153.48% -9.93% 13.21% 25.86% 30.39% 23.98% 25.15%
EBIT Growth		 -208.06% -35.31% -32.65% -12.42% 148.54% -10.97% 14.22% 31.16% 28.47% 27.02% 26.89%
NOPAT Growth		 -201.52% -45.12% -33.31% -13.03% 151.86% 6.13% 14.41% 30.68% 27.60% 23.84% 26.84%
Net Income Growth		 -226.00% -45.12% -33.31% -13.03% 141.78% 6.13% 14.41% 30.68% 27.60% 23.84% 26.84%
EPS Growth		 -226.32% -43.86% -31.82% -15.63% 141.67% 3.13% 13.33% 33.33% 26.67% 24.24% 26.47%
Operating Cash Flow Growth		 -75.94% -31.94% -97.09% 126.45% -31.36% 1.08% 3,876.57% -25.92% -14.05% 25.03% 22.33%
Free Cash Flow Firm Growth		 63.16% 0.00% 63.79% 87.87% 74.69% 79.00% 108.45% 121.47% 44.83% 5.81% -225.32%
Invested Capital Growth		 31.94% 29.99% 37.00% 13.26% 8.23% 6.09% -0.75% -0.75% 5.14% 5.84% 4.58%
Revenue Q/Q Growth		 -132.88% 426.52% -7.83% 0.59% 9.00% 4.17% 1.78% 5.69% 5.31% 0.60% 2.71%
EBITDA Q/Q Growth		 -273.83% 168.09% -20.09% -7.03% 5.71% 14.69% 0.43% 3.36% 9.53% 9.05% 1.37%
EBIT Q/Q Growth		 -292.03% 162.30% -21.03% -7.30% 6.44% 14.26% 1.31% 6.45% 4.25% 12.97% 1.21%
NOPAT Q/Q Growth		 -281.89% 155.11% -6.60% -7.11% 8.45% 12.80% 0.69% 6.09% 5.90% 9.47% 3.13%
Net Income Q/Q Growth		 -325.77% 144.40% -6.60% -7.11% 8.45% 12.80% 0.69% 6.09% 5.90% 9.47% 3.13%
EPS Q/Q Growth		 -325.00% 144.44% -6.25% -10.00% 11.11% 10.00% 3.03% 5.88% 5.56% 7.89% 4.88%
Operating Cash Flow Q/Q Growth		 -54.06% 163.65% -96.78% 5,711.43% -86.08% 288.28% 26.57% 8.26% -83.85% 464.83% 23.84%
Free Cash Flow Firm Q/Q Growth		 72.50% 17.26% -29.85% 58.95% 42.63% 31.34% 152.26% 4.29% -247.44% -17.22% 30.47%
Invested Capital Q/Q Growth		 0.54% 3.13% 8.96% 0.24% -3.92% 1.09% 1.94% 0.24% 1.79% 1.75% 0.73%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 0.00% 53.06% 46.00% 42.51% 41.23% 45.40% 44.80% 43.81% 45.56% 49.39% 48.75%
EBIT Margin		 0.00% 50.30% 43.10% 39.72% 38.79% 42.55% 42.35% 42.66% 42.23% 47.42% 46.73%
Profit (Net Income) Margin		 0.00% 33.03% 33.47% 30.90% 30.75% 33.30% 32.94% 33.07% 33.25% 36.18% 36.33%
Tax Burden Percent		 86.89% 76.57% 77.65% 77.80% 79.28% 78.26% 77.78% 77.52% 78.74% 76.31% 77.75%
Interest Burden Percent		 106.02% 85.74% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 23.43% 22.35% 22.20% 20.72% 21.74% 22.22% 22.48% 21.26% 23.69% 22.25%
Return on Invested Capital (ROIC)		 0.00% 4.50% 3.99% 3.37% 5.19% 5.58% 5.44% 5.73% 6.07% 6.73% 6.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 4.50% 3.99% 3.37% 5.19% 5.58% 5.44% 5.73% 6.07% 6.73% 6.90%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 1.05% 1.11% 1.34% 1.79% 1.87% 2.04% 2.14% 1.95% 2.12% 2.14%
Return on Equity (ROE)		 0.00% 5.55% 5.10% 4.71% 6.98% 7.45% 7.48% 7.86% 8.02% 8.85% 9.04%
Cash Return on Invested Capital (CROIC)		 0.00% -24.19% -30.17% -11.65% -2.50% -0.52% 6.04% 6.39% 1.03% 0.63% 2.12%
Operating Return on Assets (OROA)		 0.00% 0.81% 0.65% 0.59% 0.89% 1.01% 1.04% 1.09% 1.11% 1.30% 1.31%
Return on Assets (ROA)		 0.00% 0.54% 0.50% 0.46% 0.71% 0.79% 0.81% 0.85% 0.88% 0.99% 1.02%
Return on Common Equity (ROCE)		 0.00% 5.55% 5.10% 4.71% 6.98% 7.45% 7.48% 7.86% 8.02% 8.85% 9.04%
Return on Equity Simple (ROE_SIMPLE)		 4.02% 0.00% 1.30% 1.05% 6.93% 0.00% 7.01% 7.46% 7.74% 0.00% 8.40%
Net Operating Profit after Tax (NOPAT)		 -8.17 4.50 4.20 3.91 4.24 4.78 4.81 5.10 5.40 5.92 6.10
NOPAT Margin		 0.00% 33.03% 33.47% 30.90% 30.75% 33.30% 32.94% 33.07% 33.25% 36.18% 36.33%
Net Nonoperating Expense Percent (NNEP)		 3.81% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 38.53% 44.24% 44.51% 40.99% 37.59% 39.87% 38.23% 39.54% 33.08% 37.95%
Operating Expenses to Revenue		 0.00% 55.43% 63.08% 62.59% 58.31% 55.38% 56.49% 53.87% 55.58% 48.76% 53.14%
Earnings before Interest and Taxes (EBIT)		 -11 6.86 5.41 5.02 5.34 6.10 6.18 6.58 6.86 7.75 7.85
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -11 7.23 5.78 5.37 5.68 6.51 6.54 6.76 7.41 8.08 8.19
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.12 1.36 1.06 1.03 1.13 1.15 0.90 1.03 1.07 1.05 1.06
Price to Tangible Book Value (P/TBV)		 1.12 1.36 1.06 1.03 1.13 1.15 0.90 1.03 1.07 1.05 1.06
Price to Revenue (P/Rev)		 5.93 8.42 7.16 6.97 5.21 5.30 4.12 4.49 4.60 4.47 4.40
Price to Earnings (P/E)		 27.96 60.69 81.31 97.69 16.27 16.51 12.85 13.78 13.88 13.20 12.67
Dividend Yield		 1.25% 0.99% 1.25% 1.46% 1.28% 1.25% 1.54% 1.62% 1.51% 1.51% 1.92%
Earnings Yield		 3.58% 1.65% 1.23% 1.02% 6.15% 6.06% 7.78% 7.26% 7.20% 7.58% 7.89%
Enterprise Value to Invested Capital (EV/IC)		 0.45 0.95 0.59 0.48 0.55 0.74 0.42 0.67 0.58 0.67 0.62
Enterprise Value to Revenue (EV/Rev)		 3.20 7.87 5.69 4.64 3.38 4.52 2.52 3.86 3.24 3.69 3.33
Enterprise Value to EBITDA (EV/EBITDA)		 8.97 26.25 23.22 20.71 7.38 10.32 5.79 8.82 7.21 8.03 7.10
Enterprise Value to EBIT (EV/EBIT)		 10.01 30.43 28.21 25.58 7.84 11.01 6.16 9.28 7.62 8.44 7.44
Enterprise Value to NOPAT (EV/NOPAT)		 15.09 56.75 64.54 64.99 10.54 14.07 7.88 11.88 9.76 10.88 9.60
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.50 16.26 16.22 9.01 10.32 13.96 5.81 10.50 9.25 10.23 8.96
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 6.90 10.47 57.10 108.74 29.81
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.34 0.43 0.43 0.33 0.33 0.32 0.32 0.31 0.30 0.30
Long-Term Debt to Equity		 0.36 0.34 0.43 0.43 0.33 0.33 0.32 0.32 0.31 0.30 0.30
Financial Leverage		 0.24 0.23 0.28 0.40 0.34 0.33 0.37 0.37 0.32 0.32 0.31
Leverage Ratio		 10.89 10.37 10.11 10.20 9.86 9.40 9.28 9.28 9.15 8.92 8.88
Compound Leverage Factor		 11.54 8.89 10.11 10.20 9.86 9.40 9.28 9.28 9.15 8.92 8.88
Debt to Total Capital		 26.29% 25.50% 30.25% 30.18% 24.94% 24.68% 24.21% 24.16% 23.74% 23.34% 23.18%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 26.29% 25.50% 30.25% 30.18% 24.94% 24.68% 24.21% 24.16% 23.74% 23.34% 23.18%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.71% 74.50% 69.75% 69.82% 75.06% 75.32% 75.79% 75.84% 76.26% 76.66% 76.82%
Debt to EBITDA		 5.28 7.06 11.97 13.11 3.36 3.46 3.35 3.17 2.97 2.81 2.66
Net Debt to EBITDA		 -7.65 -1.82 -6.03 -10.42 -4.01 -1.79 -3.66 -1.42 -3.04 -1.71 -2.28
Long-Term Debt to EBITDA		 5.28 7.06 11.97 13.11 3.36 3.46 3.35 3.17 2.97 2.81 2.66
Debt to NOPAT		 8.88 15.26 33.27 41.14 4.79 4.72 4.56 4.27 4.02 3.81 3.59
Net Debt to NOPAT		 -12.86 -3.94 -16.77 -32.70 -5.73 -2.43 -4.98 -1.91 -4.12 -2.31 -3.08
Long-Term Debt to NOPAT		 8.88 15.26 33.27 41.14 4.79 4.72 4.56 4.27 4.02 3.81 3.59
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -81 -67 -87 -36 -20 -14 7.32 7.63 -11 -13 -9.17
Operating Cash Flow to CapEx		 12,135.29% 3,970.07% 233.33% 20,340.00% 1,335.85% 2,181.75% 2,367.01% 4,650.62% 3,687.88% 38,188.89% 851,300.00%
Free Cash Flow to Firm to Interest Expense		 -5.64 -4.58 -5.71 -2.42 -1.34 -1.01 0.55 0.59 -0.84 -1.00 -0.73
Operating Cash Flow to Interest Expense		 0.14 0.37 0.01 0.69 0.09 0.39 0.53 0.58 0.09 0.52 0.68
Operating Cash Flow Less CapEx to Interest Expense		 0.14 0.36 0.01 0.69 0.09 0.38 0.50 0.57 0.09 0.52 0.68
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 32.20 29.75 25.76 27.14 43.06 41.03 40.59 43.03 46.59 47.58 48.47
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 299 309 336 337 324 327 334 335 341 347 349
Invested Capital Turnover		 0.16 0.14 0.12 0.11 0.17 0.17 0.17 0.17 0.18 0.19 0.19
Increase / (Decrease) in Invested Capital		 72 71 91 39 25 19 -2.51 -2.53 17 19 15
Enterprise Value (EV)		 134 293 197 161 178 241 140 225 196 231 216
Market Capitalization		 248 313 249 242 274 283 228 261 279 280 285
Book Value per Share		 $15.61 $16.28 $16.55 $16.55 $17.08 $17.32 $17.72 $17.77 $18.26 $18.74 $18.87
Tangible Book Value per Share		 $15.61 $16.28 $16.55 $16.55 $17.08 $17.32 $17.72 $17.77 $18.26 $18.74 $18.87
Total Capital		 299 309 336 337 324 327 334 335 341 347 349
Total Debt		 79 79 102 102 81 81 81 81 81 81 81
Total Long-Term Debt		 79 79 102 102 81 81 81 81 81 81 81
Net Debt		 -114 -20 -51 -81 -96 -42 -88 -36 -83 -49 -69
Capital Expenditures (CapEx)		 0.02 0.14 0.08 0.05 0.11 0.25 0.29 0.16 0.03 0.02 0.00
Net Nonoperating Expense (NNE)		 1.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 79 79 102 102 81 81 81 81 81 81 81
Total Depreciation and Amortization (D&A)		 0.39 0.38 0.36 0.35 0.34 0.41 0.36 0.18 0.54 0.32 0.34
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.72) $0.32 $0.30 $0.27 $0.30 $0.33 $0.34 $0.36 $0.38 $0.41 $0.43
Adjusted Weighted Average Basic Shares Outstanding		 14.13M 14.17M 14.22M 14.23M 14.24M 14.28M 14.28M 14.22M 14.18M 14.21M 14.11M
Adjusted Diluted Earnings per Share		 ($0.72) $0.32 $0.30 $0.27 $0.30 $0.33 $0.34 $0.36 $0.38 $0.41 $0.43
Adjusted Weighted Average Diluted Shares Outstanding		 14.13M 14.17M 14.22M 14.23M 14.24M 14.28M 14.28M 14.22M 14.18M 14.21M 14.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.13M 14.17M 14.22M 14.23M 14.24M 14.28M 14.28M 14.22M 14.18M 14.21M 14.11M
Normalized Net Operating Profit after Tax (NOPAT)		 -8.17 4.50 4.20 3.91 4.24 4.78 4.81 5.10 5.40 5.92 6.10
Normalized NOPAT Margin		 0.00% 33.03% 33.47% 30.90% 30.75% 33.30% 32.94% 33.07% 33.25% 36.18% 36.33%
Pre Tax Income Margin		 0.00% 43.13% 43.10% 39.72% 38.79% 42.55% 42.35% 42.66% 42.23% 47.42% 46.73%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.77 0.47 0.36 0.34 0.35 0.44 0.47 0.51 0.51 0.59 0.62
NOPAT to Interest Expense		 -0.57 0.31 0.28 0.27 0.28 0.34 0.36 0.40 0.40 0.45 0.49
EBIT Less CapEx to Interest Expense		 -0.77 0.46 0.35 0.34 0.34 0.42 0.45 0.50 0.51 0.59 0.62
NOPAT Less CapEx to Interest Expense		 -0.57 0.30 0.27 0.26 0.27 0.32 0.34 0.38 0.40 0.45 0.49
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.08% 60.26% 0.00% 143.75% 21.12% 20.78% 0.00% 22.58% 21.25% 20.11% 24.64%
Augmented Payout Ratio		 35.08% 60.26% 0.00% 145.77% 21.41% 21.07% 0.54% 29.74% 29.47% 31.51% 44.24%

Financials Breakdown Chart

Key Financial Trends

John Marshall Bancorp’s latest quarter shows a stable but modestly improving earnings profile, with strong profitability, solid capital, and a balance sheet that continues to grow. That said, the bank is still dealing with some volatility in funding, securities activity, and deposit flows, which can make quarterly results a bit lumpy.

  • Net income held up well in Q1 2026. The company earned $6.1 million, up slightly from $5.9 million in Q4 2025 and $4.8 million in Q1 2025, showing continued profitability.
  • Loan growth remains healthy. Net loans and leases rose to $1.95 billion in Q1 2026 from $1.92 billion in Q3 2025 and $1.85 billion in Q1 2025, indicating continued balance sheet expansion.
  • Equity is trending higher. Total common equity increased to $268.1 million in Q1 2026 from $259.7 million in Q3 2025 and $253.7 million in Q2 2025, a constructive sign for capital strength.
  • Operating cash flow was strong in Q1 2026. Net cash from operating activities reached $8.5 million, above Q4 2025’s $6.9 million and Q1 2025’s $7.0 million.
  • Loan-loss provision stayed low in Q1 2026. The provision for credit losses was just $23,000, suggesting credit costs remain contained.
  • Dividend activity continues. The bank paid $0.09 per share in Q1 2026, reflecting an ongoing shareholder return policy.
  • Net interest income is fairly steady. Q1 2026 net interest income was $16.5 million, slightly above Q4 2025 and above prior-year quarters, but not showing dramatic acceleration.
  • Non-interest income remains a small contributor. Fee and other non-interest revenue was only $284,000 in Q1 2026, so earnings still depend heavily on spread income.
  • Deposit trends have been uneven. Deposits increased in Q1 2026, but several prior quarters showed sharp swings, including declines in Q2 2025 and Q4 2024.
  • Investing cash flow was negative in Q1 2026. Net cash from investing activities was -$414,000, and the company continued to buy securities, which can pressure liquidity if funding tightens.
  • Funding costs remain elevated relative to recent history. Deposit interest expense was $11.7 million in Q1 2026, keeping pressure on margins even as interest income remains strong.
  • Quarterly earnings can be volatile. In 2023, the company experienced a major swing in profitability, including a steep loss in Q3 2023, which shows results can be sensitive to market and balance sheet movements.

Bottom line: JMSB currently looks like a profitable community bank with improving equity and steady core earnings, but investors should watch deposit stability, margin pressure, and the sensitivity of results to securities and funding moves. The latest quarter was solid, though not spectacular.

07/05/26 03:31 PM ETAI Generated. May Contain Errors.

John Marshall Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, John Marshall Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

John Marshall Bancorp's net income appears to be on a downward trend, with a most recent value of $21.23 million in 2025, falling from $25.46 million in 2021. The previous period was $17.12 million in 2024. Check out John Marshall Bancorp's forecast to explore projected trends and price targets.

Over the last 4 years, John Marshall Bancorp's total revenue changed from $67.63 million in 2021 to $62.64 million in 2025, a change of -7.4%.

John Marshall Bancorp's total liabilities were at $2.07 billion at the end of 2025, a 4.0% increase from 2024, and a 6.5% increase since 2021.

In the past 4 years, John Marshall Bancorp's cash and equivalents has ranged from $2.92 million in 2021 to $7.42 million in 2023, and is currently $6.49 million as of their latest financial filing in 2025.

Over the last 4 years, John Marshall Bancorp's book value per share changed from 0.00 in 2021 to 18.74 in 2025, a change of 1,873.9%.


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Financial statements for NASDAQ:JMSB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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