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JOHN MARSHALL BANCORP INC (JMSB)

Financials · Regional commercial banking · NASDAQ

A $2.3B regional bank serving small-to-medium businesses and professionals in the Washington, D.C. metropolitan area with strong local ties and specialized expertise in commercial lending.

What JOHN MARSHALL BANCORP INC does

John Marshall Bancorp is a Virginia-based bank holding company whose subsidiary, John Marshall Bank, provides commercial and retail banking services to small and medium-sized businesses, professionals, nonprofits, and individuals throughout the Washington, D.C. metropolitan area. The bank offers deposit products including checking, savings, and money market accounts; loans including commercial and industrial, commercial real estate, SBA 7(a), and residential mortgages; and treasury and cash management services. As of December 31, 2025, the company had $2.33 billion in total assets and $1.97 billion in deposits.

Themes: Community banking, Small-to-medium business lending, Washington, D.C. metro regional banking, SBA lending, Commercial real estate

Fundamentals

  • Price$23.25 as of 2026-08-21 close
  • Market cap$328M as of 2026-08-21
  • 1-year return+19.8% 2025-08-21 close $19.41 → 2026-08-21 close $23.25
  • P/E14.57 as of 2026-08-24
  • Net margin+21.5% as of 2026-08-24
  • ROE+8.6% as of 2026-08-24
  • Debt / equity0.09 as of 2026-08-24
  • Revenue growth (YoY)+23.4% as of 2026-08-24
  • Beta0.44 as of 2026-08-24
  • Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +1.2%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How JMSB compares in its sector

  • price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
  • net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
  • operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
  • return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
  • indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
  • free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Covered by reported results. In FY2025, JMSB's dividend was covered by reported results (earnings payout 20%, free-cash-flow payout 19%). This describes past coverage, not a forecast.

  • Earnings payout20% dividends / net income
  • Free-cash-flow payout19% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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How JOHN MARSHALL BANCORP INC looks technically

JOHN MARSHALL BANCORP INC (JMSB) is trading 11.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 248 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 20, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It made a new 20-day high about 14 trading days ago. It is 4.2% below its 52-week high (its highest price of the past year). Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.

Trend

8
Distance from the 200-dayit is trading 11.4% above its 200-day average, the long-term trend line — a longer-term uptrend+11.4%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $22.43$22.43
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $20.86$20.86
Swing structureeach recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes nexthigher highs and higher lows
Last swing turnits last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on11 sessions
Wave structureits recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 22.75. It is the only labelling that fits, and it describes the swings already printed, not what comes next.possible upward five-wave sequence, in wave 5
Since the 50/200 crossits 50-day average crossed above its 200-day average about 248 trading days ago — a "golden cross", a bullish long-term signal248 sessions
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 20, below the 25 that marks a real trend)19.7

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30)56.3
Position in its 14-day rangeit is trading in the lower half of its 14-day range ($22.75 to $24.26) — its "stochastic" reading is 33 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.33.1
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative)10 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $24.26$24.26
From the 52-week highit is 4.2% below its 52-week high (its highest price of the past year)-4.2%
Above the 52-week lowit is 25.7% above its 52-week low (its lowest price of the past year)+25.7%
Below the 52-week highit is 4.2% below its highest point of the past year4.2%
Since a 20-day breakoutit made a new 20-day high about 14 trading days ago14 sessions
Since a 55-day breakoutit made a new 55-day high about 14 trading days ago14 sessions
All-time highits highest closing price on record is $29.91 (set on 2022-11-01)$29.91
Given back of the 52-week moveover the past year its closes ranged ($18.57 to $23.81), and it has given back only a small part of its rise from last year’s low — 11% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $20.40 to $20.57. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.10.7%
From the all-time highit is 22.3% below its all-time high-22.3%
Nearest price levelit is trading 4.4% above a support level at $22.23 — a price it turned at twice since 2026-04-28, most recently on 2026-06-10. Since 2024-08-21 it has 8 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-4.4%
All-time lowits lowest closing price on record is $9.05 (set on 2020-03-23)$9.05
Above the all-time lowit is 156.9% above its all-time low+156.9%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move0th percentile
Typical daily rangein a typical session it travels about $0.6784 between its high and its low — about 2.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.6784
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $22.76 and $23.78 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$22.76 – $23.27 – $23.78
Typical daily range (% of price)its price moves about 2.9% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price2.9%
Stretch from the 200-day averageit is trading 3.5 daily ranges above its 200-day average price (11.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale3.5 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.64×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingnot available for this company yetn/a

Price gaps

3
Gap at the openit opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.7%
Open gapit gapped 3.0% above the previous close 19 sessions ago and has not traded back through the level it left behind at 22.12 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed+3.0%
Gap filleda 2.9% gap down opened on 2026-07-31 has been "filled" 15 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it15 sessions ago

Price streaks

1
Closing streakit has closed higher 2 sessions in a row, a +1.66% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session2 sessions up

Relative strength

4
vs market, 1 monthover the past 1 month this stock beat the market by 3.7 percentage points (the stock gained 6.0% while the market gained 2.3%)+3.7%
vs market, 3 monthsover the past 3 months this stock beat the market by 7.0 percentage points (the stock gained 10.1% while the market gained 3.1%)+7.0%
vs market, 6 monthsover the past 6 months this stock beat the market by 4.8 percentage points (the stock gained 15.9% while the market gained 11.1%)+4.8%
vs market, 12 monthsover the past 12 months this stock lagged the market by 0.7 percentage points (the stock gained 19.8% while the market gained 20.5%)-0.7%

Signal agreement

2
Bullish technical signals4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast4 of 9
Bearish technical signals1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast1 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 6.2% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.6% of the share price, which is taken to mean a barrier that gives way easily.+6.2%

Volume-weighted price

2
Vs this year’s average price paidthe price is 9% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $21.29 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP.+9.2%
Vs the average paid since it last reportedthe price is 1% above the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $23.11 — a volume-weighted average of daily closes over 22 sessions, not a true tick-by-tick VWAP.+0.6%

Price levels it has turned at before

JMSB last closed at $23.25 on 2026-08-21. Since 2024-08-21 it has turned at 8 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.

LevelSideDistanceEvidence
$22.23Support4.4% below the last closeturned there twice · 2026-04-28 to 2026-06-10
$21.75Support6.4% below the last closeturned there five times · 2024-10-16 to 2026-05-19
$21.09Support9.3% below the last closeturned there six times · 2025-11-07 to 2026-07-13

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.

This labelling fails — stops being a possible reading at all — if it closes below $22.75.

It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $23.83 and $25.59 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

This reading has stood for 4 trading days, since 2026-08-18.

Read from daily closes as of 2026-08-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Mean price target$25.50 range $25.00 – $26.00

Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for JMSB

  • Consensus EPS estimate$0.5 next reporting period, as of 2026-08-22

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Geographic concentration risk: Business heavily concentrated in Washington, D.C. metropolitan area with exposure to federal government spending changes and workforce reductions","Credit quality and loan portfolio deterioration risk: Adequacy of allowance for loan credit losses and potential deterioration of asset quality, particularly for recently originated loans","Interest rate and margin risk: Changes in interest rates and monetary policy may reduce net interest margins and fair value of financial instruments"]

See JMSB's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of JMSB's 10-Q filed 2026-05-08 against the prior one filed 2025-11-14.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Added reference to 'generally accepted accounting principles in the United States of America ("GAAP")' in the Use of Non-GAAP Financial Measures section (2026-05-08 filing)
    • Added explicit reference to 'John Marshall Bancorp, Inc. (the "Company")' and 'John Marshall Bank (the "Bank")' in the forward-looking statements section (2026-05-08 filing)
  • Removed:
    • Removed 'tax-equivalent net interest margin' from the list of non-GAAP measures; now only lists 'tax-equivalent net interest income' (2026-05-08 filing)
    • Removed the phrase 'and the Bank' from the risk factors introductory language; changed from 'the Company and the Bank' to reference only 'the Company and its wholly-owned subsidiary' (2026-05-08 filing)
  • Reworded:
    • Changed reference from 'This discussion and analysis contains financial information determined by methods other than in accordance with GAAP' to 'in accordance with generally accepted accounting principles in the United States of America ("GAAP")' for fuller spelling out of the acronym (2026-05-08 filing)
    • Changed 'this Form 10-Q of John Marshall Bancorp, Inc.' to 'this Form 10-Q contains' in the forward-looking statements opening (2026-05-08 filing)
    • Changed risk factor language from 'the ongoing shutdown of the U.S. Government and potential reductions' to 'shutdowns and potential reductions' - removing reference to an 'ongoing' shutdown (2026-05-08 filing)
    • Changed reference from 'Factors that could have a material adverse effect on the operations of the Company and the Bank' to 'Factors that could have an adverse effect on the operations of the Company and its wholly-owned subsidiary, John Marshall Bank (the "Bank")' (2026-05-08 filing)
    • Changed 'the Federal Reserve' to 'the Board of Governors of the Federal Reserve System (the "Federal Reserve")' for clarity (2026-05-08 filing)
  • Notes:
    • Both filings appear truncated at the end with 'other factors discussed in', so the complete risk factor list cannot be fully assessed
    • The filing dates span approximately six months (2025-11-14 to 2026-05-08), reflecting different quarterly reporting periods

Risk Factors

  • Added:
    • Reference to 2025 Annual Report on Form 10-K filed March 13, 2026 (in newer filing dated 2026-05-08)
    • Share repurchase activity table for three months ended March 31, 2026 with January, February, and March 2026 data
    • Total shares repurchased of 103,507 at average price $19.69 during Q1 2026
    • Maximum shares remaining under plan of 457,850 as of March 31, 2026
    • Statement regarding fiscal quarter ended March 31, 2026 in Item 5(c)
    • Interactive data files reference updated to include March 31, 2026 balance sheet and December 31, 2025 comparison (in Exhibit 101.0)
  • Removed:
    • Reference to 2024 Annual Report on Form 10-K filed March 28, 2025 (in older filing dated 2025-11-14)
    • Share repurchase activity table for three months ended September 30, 2025 with July, August, and September 2025 data
    • Total shares repurchased of 15,660 at average price $18.74 during Q3 2025
    • Maximum shares remaining under plan of 601,894 as of September 30, 2025
    • Statement regarding fiscal quarter ended September 30, 2025 in Item 5(c)
    • Interactive data files reference to September 30, 2025 balance sheet and December 31, 2024 comparison (in Exhibit 101.0)
    • Interactive data files reference to three and nine months ended September 30, 2025 and 2024 statements (in Exhibit 101.0)
  • Reworded:
    • Item 1A risk factors statement changed from 'our 2024 Annual Report on Form 10-K, which we filed with the SEC on March 28, 2025' to 'our 2025 Annual Report on Form 10-K, which we filed with the SEC on March 13, 2026'
    • Share repurchase table header changed from 'three months ended September 30, 2025' to 'three months ended March 31, 2026'
    • Item 5(c) statement changed from 'fiscal quarter ended September 30, 2025' to 'fiscal quarter ended March 31, 2026'
    • Exhibit 101.0 description updated from September 30, 2025 and December 31, 2024 dates to March 31, 2026 and December 31, 2025 dates
    • Exhibit 101.0 description changed from 'three and nine months ended September 30' to 'three months ended March 31'
  • Notes:
    • The Risk Factors section Item 1A contains only a boilerplate statement with no detailed risk factors disclosed in either filing

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

3 open-market purchases and 0 open-market sales by insiders in the last 90 days.

  • Last 90 days3 buys ($52133) · 0 sells — 2 buying insiders
  • Last 180 days3 buys ($52133) · 0 sells — 2 buying insiders

Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-06-03. As of 2026-08-24.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding JMSB as of 2026-03-31 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 1,144,826
  • Reported value $23,217,072

reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

JMSB had 153,872 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).

JMSB had 1.09% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.08 days to cover at the same settlement.

  • Reported short interest (shares) 153,872
  • Short interest (% of shares outstanding) 1.09%
  • Prior settlement (shares) 154,775
  • Reported change -0.58%
  • Days to cover (reported) 4.08

Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does JOHN MARSHALL BANCORP INC (JMSB) do?

John Marshall Bancorp is a Virginia-based bank holding company whose subsidiary, John Marshall Bank, provides commercial and retail banking services to small and medium-sized businesses, professionals, nonprofits, and individuals throughout the Washington, D.C. metropolitan area. The bank offers deposit products including checking, savings, and money market accounts; loans including commercial and industrial, commercial real estate, SBA 7(a), and residential mortgages;

What sector is JOHN MARSHALL BANCORP INC (JMSB) in?

JOHN MARSHALL BANCORP INC (JMSB) is classified in the Financials sector. Its industry is Regional commercial banking. It trades on NASDAQ.

Does JMSB pay a dividend?

Yes — JOHN MARSHALL BANCORP INC (JMSB) pays a dividend, with an indicated yield of about 1.17% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.

Who are JOHN MARSHALL BANCORP INC's (JMSB) competitors?

Notable peers of JOHN MARSHALL BANCORP INC (JMSB) include Truxton Trust, Union Bank, Capital One Financial, Xenith Bank and Burke & Herbert Bank. This peer set is informational only — not financial advice.

Is JOHN MARSHALL BANCORP INC (JMSB) overbought or oversold right now?

JOHN MARSHALL BANCORP INC (JMSB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 56, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on JMSB come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-08-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.

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