John Marshall Bancorp Inc (JMSB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
John Marshall Bancorp Inc stock (JMSB) is currently trading at $19.91. John Marshall Bancorp Inc PE ratio is 13.07. John Marshall Bancorp Inc PS ratio (Price-to-Sales) is 4.54. Analyst consensus price target for JMSB is $23.00. WallStSmart rates JMSB as Hold.
- JMSB PE ratio analysis and historical PE chart
- JMSB PS ratio (Price-to-Sales) history and trend
- JMSB intrinsic value — DCF, Graham Number, EPV models
- JMSB stock price prediction 2025 2026 2027 2028 2029 2030
- JMSB fair value vs current price
- JMSB insider transactions and insider buying
- Is JMSB undervalued or overvalued?
- John Marshall Bancorp Inc financial analysis — revenue, earnings, cash flow
- JMSB Piotroski F-Score and Altman Z-Score
- JMSB analyst price target and Smart Rating
John Marshall Bancorp Inc
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JMSB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · John Marshall Bancorp Inc (JMSB)
JMSB trades at a significant discount to its Graham intrinsic value of $69.73, offering a 71% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
John Marshall Bancorp Inc (JMSB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
John Marshall Bancorp Inc (JMSB) Key Strengths (4)
Keeps $49 of every $100 in revenue after operating costs
Keeps $35 of every $100 in revenue as net profit
Trading at 1.04x book value, attractively priced
Strong earnings growth at 26.30% per year
Supporting Valuation Data
John Marshall Bancorp Inc (JMSB) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Premium valuation at 4.5x annual revenue
Solid revenue growth at 11.90% per year
Moderate institutional interest at 48.71%
John Marshall Bancorp Inc (JMSB) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.04) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 49.30%, Profit Margin at 34.80%. Growth metrics are encouraging with EPS Growth at 26.30%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (4.54) suggest expensive pricing. Growth concerns include Revenue Growth at 11.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.29%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.29% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
JMSB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
JMSB's Price-to-Sales ratio of 4.54x sits near its historical average of 4.73x (52th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 56% below its historical high of 10.21x set in Dec 2013, and 129% above its historical low of 1.98x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~2.2x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for John Marshall Bancorp Inc (JMSB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
John Marshall Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 61M with 12% growth year-over-year. Profit margins are strong at 34.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 829.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 34.8% and operating margin of 49.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 154.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact John Marshall Bancorp Inc.
Bottom Line
John Marshall Bancorp Inc is a well-established business delivering consistent profitability with 34.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About John Marshall Bancorp Inc(JMSB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
John Marshall Bancorp, Inc. is the bank holding company of John Marshall Bank offering banking products and financial services. The company is headquartered in Reston, Virginia.