OTCPK:JMSB

Stock Analysis Report

John Marshall Bancorp

Executive Summary

John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides business and personal banking products and services.

Snowflake

Fundamentals

Flawless balance sheet with questionable track record.

Risks

  • John Marshall Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has John Marshall Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

2.2%

OTCPK:JMSB

-1.1%

US Banks

0.1%

US Market


1 Year Return

-22.9%

OTCPK:JMSB

-9.1%

US Banks

1.2%

US Market

JMSB underperformed the Banks industry which returned -8% over the past year.

JMSB underperformed the Market in United States of America which returned 0.7% over the past year.


Share holder returns

JMSBIndustryMarket
7 Day2.2%-1.1%0.1%
30 Day-9.9%-1.1%0.6%
90 Day-7.0%-3.3%0.9%
1 Year-22.9%-22.9%-6.7%-9.1%3.4%1.2%
3 Year11.6%11.6%54.4%43.9%46.5%36.7%
5 Year18.5%18.5%54.9%38.4%55.1%37.9%

Price Volatility Vs. Market

How volatile is John Marshall Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is John Marshall Bancorp undervalued based on future cash flows and its price relative to the stock market?

14.72x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

John Marshall Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

John Marshall Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

John Marshall Bancorp is overvalued based on earnings compared to the US Banks industry average.

John Marshall Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for John Marshall Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

John Marshall Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

  • Explore potentially undervalued companies in the banks industry.

Future Growth

How is John Marshall Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if John Marshall Bancorp is high growth as no revenue estimate data is available.

John Marshall Bancorp's earnings are expected to grow by 10% yearly, however this is not considered high growth (20% yearly).

Unable to compare John Marshall Bancorp's revenue growth to the United States of America market average as no estimate data is available.

John Marshall Bancorp's earnings growth is positive but not above the United States of America market average.

John Marshall Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if John Marshall Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has John Marshall Bancorp performed over the past 5 years?

9.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

John Marshall Bancorp's year on year earnings growth rate has been positive over the past 5 years.

John Marshall Bancorp's 1-year earnings growth exceeds its 5-year average (29.8% vs 9%)

John Marshall Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (29.8% vs 40.4%).


Return on Equity

John Marshall Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

John Marshall Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if John Marshall Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

  • Explore strong past performing companies in the banks industry.

Financial Health

How is John Marshall Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

John Marshall Bancorp has an acceptable proportion of non-loan assets held.

John Marshall Bancorp has a sufficient allowance for bad loans.

John Marshall Bancorp's liabilities are made up of primarily low risk sources of funding.

John Marshall Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at John Marshall Bancorp are broadly funded by customer deposits.

John Marshall Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is John Marshall Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate John Marshall Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate John Marshall Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as John Marshall Bancorp has not reported any payouts.

Unable to verify if John Marshall Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as John Marshall Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of John Marshall Bancorp's salary, the management and board of directors tenure and is there insider trading?

2.4yrs

Average board tenure


CEO

Chris Bergstrom (58yo)

Mr. Christopher W. Bergstrom, also known as Chris, serves as President, Chief Executive Officer and Director of John Marshall Bancorp, Inc. Mr. Bergstrom is President and Chief Executive Officer of John Ma ...


Board Age and Tenure

2.4yrs

Average Tenure

60.5yo

Average Age

The average tenure for the John Marshall Bancorp board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Kent Carstater

    Executive VP & CFO

    • Tenure: 2.1yrs
  • Jason McDonough

    Senior Vice President

  • Jonathan Kinney (71yo)

    Chairman of the Board & Secretary

    • Compensation: $39.75k
  • Paul Bice

    Regional President of Loudoun Region

  • Bill Ridenour (66yo)

    Senior EVP

    • Compensation: $336.28k
  • James Estep

    Senior VP

  • Ed Harrington

    Regional President of Maryland Regional Branch - DC Regional Office

  • Carl Dodson (63yo)

    Senior EVP

    • Compensation: $332.67k
  • Ted Johnson (48yo)

    Senior VP and Regional Executive of Alexandria

  • Chris Bergstrom (58yo)

    President


Board Members

  • Jonathan Kinney (71yo)

    Chairman of the Board & Secretary

    • Tenure: 0.1yrs
    • Compensation: $39.75k
  • Michael Foster (55yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $27.10k
  • Jean Edelman (59yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $26.85k
  • O. Mahan (79yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $40.40k
  • Lim Nguonly (57yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $29.55k
  • Ron Gordon (62yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $29.55k
  • Subhash Garg (67yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $29.55k
  • Chris Bergstrom (58yo)

    President

  • Philip Allin (60yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $29.55k
  • Philip Chase (61yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $40.00k

Company Information

John Marshall Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: John Marshall Bancorp, Inc.
  • Ticker: JMSB
  • Exchange: OTCPK
  • Founded: 2005
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$187.962m
  • Shares outstanding: 13.03m
  • Website: Click here

Number of Employees


Location

  • John Marshall Bancorp, Inc.
  • 1943 Isaac Newton Square East
  • Suite 100
  • Reston
  • Virginia
  • 20190
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
JMSBOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJan 1970

Biography

John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides business and personal banking products and services. The company offers checking and savings accounts;  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/06/18 00:19
End of Day Share Price2019/06/14 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.