# John Marshall Bancorp Inc. (JMSB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $23.36, market value $330 million.

## Valuation
- **P/E (trailing): 13.5×** (5-yr avg 22.5×, 3-yr avg 30.0×). John Marshall Bancorp Inc. trades at 13.5× trailing earnings, well below its own five-year average of 22.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.45**. A PEG of 0.45 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.5%** (5-yr avg 8.1%). Free cash flow equals 6.5% of the market value, in line with its five-year average of 8.1%. Above 5% is generally attractive.
- **Earnings yield: 7.4%**. The inverse of the P/E: 7.4% of the price is earned each year.

## Profitability
- **Return on equity: 8.0%**. 8.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 24.2%** (3-yr -12.8%/yr). Earnings per share rose 24.2%.
- **Free-cash-flow growth (3 yr): -12.6%/yr**. Free cash flow has compounded at -12.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $130 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.20%** ($0.18 per share, trailing). John Marshall Bancorp Inc. yields 1.20%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 20%** (12% of free cash flow). 20% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.

## Price and momentum
- **Total return (1 yr): 17.7%** (YTD 17.9%, 3-mo 9.1%). The shares are up 17.7% over twelve months including dividends.
- **From 52-week high: -3.7%** (26.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.37** (volatility 29%). Beta of 0.37 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=JMSB · Page: https://foliofundamentals.com/stocks/jmsb

Not investment advice.