John Marshall Bancorp Inc (JMSB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of John Marshall Bancorp Inc stock $16.15, price $23.20, that is 30.4% below the price, quality 61 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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John Marshall Bancorp Inc
JMSB · USOur calculation puts a fair price 30% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $13.78 – $28.09 · fair‑value band $15.25 – $18.82 · the $23.20 price screens above the $16.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services in Arlington, Fairfax, Loudoun, Prince William, Montgomery, District of Columbia.
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The company offers checking, NOW, money market accounts, and savings accounts; certificates of deposit; and time, reciprocal IntraFi Demand, IntraFi Money Market, and IntraFi CD deposits.
It also offers commercial real estate loans, residential and commercial construction and development loans, commercial and industrial loans, and residential mortgage loans; commercial term loans and lines of credit; U.S. small business administration; mortgage loan; and other loans, such as financing of equipment, receivables, contract administration expenses, and automobile financing.
In addition, the company provides debit and credit cards; treasury and cash management services; business and personal insurance; and online and mobile banking with bill pay, sweep accounts, wire transfer, and check imaging and remote deposit capture services; and U.S. treasury bonds, government agency securities, and mortgage-backed securities.
It serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. The company was formerly known as John Marshall Bank and changed its name to John Marshall Bancorp, Inc. in March 2017.
John Marshall Bancorp, Inc. was founded in 2005 and is headquartered in Reston, Virginia.
Stock analysis
John Marshall Bancorp Inc (JMSB) currently trades at $23.20, while our model-based Fair Value estimate is $16.15, 30% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $22.80 per share, and 1 of the 6 models we run sit above the $23.20 price.
Bear case: the Dividend Discount group reads lowest at $4.71, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $15.25 (bear) to $18.82 (bull), the price of $23.20 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
John Marshall Bancorp Inc reported revenue of $115M in FY2025 versus $75.8M in FY2021, a compound +11.0%/yr. Reported net income was $21.2M in FY2025, compounding −4.4%/yr from FY2021.
Key figures
Market cap $328M Small · P/E ratio 12.3 · P/S ratio 4.72 · EPS (TTM) $1.88 · Dividend yield 1.2% · Net margin 38.3% · Return on equity 9.9% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −30%, JMSB screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- BuyJonathan Craig KinneyDirector2× since Dec 2, 2025: 1,845 shares, avg. $19.41$35,818Dec 5, 2025
- Plan buyJonathan Craig KinneyDirector2× since Jun 3, 2026: 4,657 shares, avg. $21.99$102,391Aug 26, 2026
- Plan buyPhilip ChaseDirector133 shares at $22.96$3,054Aug 26, 2026
- Plan buyOscar Leland MahanDirector179 shares at $21.03$3,764Jun 3, 2026
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
JMSB screens overvalued: fair value 30% below the price. Compare with China Merchants Bank Co →
Compare John Marshall Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs JMSB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs JMSB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs JMSB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs JMSB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs JMSB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs JMSB |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs JMSB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs JMSB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs JMSB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs JMSB |
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Frequently asked questions
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Key figures of John Marshall Bancorp Inc
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