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Upturn AI SWOT - About
John Marshall Bancorp Inc (JMSB)
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Upturn Advisory Summary
04/04/2025: JMSB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -1.77% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 215.27M USD | Price to earnings Ratio 12.57 | 1Y Target Price - |
Price to earnings Ratio 12.57 | 1Y Target Price - | ||
Volume (30-day avg) 24204 | Beta 0.49 | 52 Weeks Range 13.81 - 26.52 | Updated Date 04/5/2025 |
52 Weeks Range 13.81 - 26.52 | Updated Date 04/5/2025 | ||
Dividends yield (FY) 1.66% | Basic EPS (TTM) 1.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.89% | Operating Margin (TTM) 43.45% |
Management Effectiveness
Return on Assets (TTM) 0.77% | Return on Equity (TTM) 7.19% |
Valuation
Trailing PE 12.57 | Forward PE - | Enterprise Value 178144496 | Price to Sales(TTM) 4.01 |
Enterprise Value 178144496 | Price to Sales(TTM) 4.01 | ||
Enterprise Value to Revenue 5.65 | Enterprise Value to EBITDA - | Shares Outstanding 14275400 | Shares Floating 12462336 |
Shares Outstanding 14275400 | Shares Floating 12462336 | ||
Percent Insiders 12.5 | Percent Institutions 46.18 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
John Marshall Bancorp Inc
Company Overview
History and Background
John Marshall Bancorp, Inc. was founded in 2004 and is headquartered in Reston, Virginia. It operates as the bank holding company for John Marshall Bank, providing commercial banking services primarily in the Washington, D.C. metropolitan area. Its growth has been largely organic, focusing on relationship banking with businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products to businesses, including commercial real estate, business loans, and lines of credit.
- Retail Banking: Provides deposit accounts, personal loans, and other banking services to individuals.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
The leadership team includes the CEO, President, CFO, and other senior executives. The organizational structure comprises various departments overseeing lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial properties. Competition includes other regional and national banks. Market share information varies by specific region and product type; JMP has a relatively small market share, locally focused.
- Business Loans: Provides loans to businesses for various purposes. Competition includes other regional and national banks, credit unions, and online lenders. Market share information varies by specific region and product type; JMP has a relatively small market share, locally focused.
- Deposit Accounts: Offers checking, savings, and money market accounts to businesses and individuals. Competition includes larger national banks and credit unions. Market share information varies by specific region and product type; JMP has a relatively small market share, locally focused.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Recent trends include increasing adoption of digital banking, rising interest rates, and increased regulatory scrutiny.
Positioning
John Marshall Bancorp is positioned as a community-focused bank serving businesses and individuals in the Washington, D.C. metropolitan area. Its competitive advantage lies in its local presence, relationship-based banking approach, and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Washington, D.C. metropolitan area is estimated to be in the billions of dollars. John Marshall Bancorp's positioning allows it to capture a portion of this TAM by focusing on specific segments and customer needs.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking
- Experienced management team
- Focus on commercial lending
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Higher cost structure relative to larger competitors
- Reliance on commercial real estate lending
Opportunities
- Expansion into new markets within the Washington, D.C. metropolitan area
- Increased adoption of digital banking technologies
- Growing demand for commercial lending
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and online lenders
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WSFS
- FHB
- PBCT
Competitive Landscape
John Marshall Bancorp faces competition from larger national and regional banks, as well as smaller community banks and credit unions. Its advantages lie in its local presence and relationship-based banking approach, while its disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
N/A
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: No acquisitions found
Growth Trajectory and Initiatives
Historical Growth: John Marshall Bancorp's growth has been primarily organic, driven by its focus on relationship-based banking and commercial lending in the Washington, D.C. metropolitan area.
Future Projections: Future growth projections are dependent on factors such as economic conditions, interest rates, and regulatory changes. Analyst estimates suggest continued growth in lending and deposit activity.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets within the Washington, D.C. metropolitan area.
Summary
John Marshall Bancorp is a community-focused bank with a strong local presence in the Washington, D.C. metropolitan area. Its strength lies in its relationship-based banking approach and experienced management team. However, its smaller scale and limited geographic diversification pose challenges. The company needs to focus on strategic initiatives to expand its market share and compete effectively in the evolving banking landscape.
Similar Companies
TOWN
Towne Bank
TOWN
Towne Bank
WSFS
WSFS Financial Corporation
WSFS
WSFS Financial Corporation
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About John Marshall Bancorp Inc
Exchange NASDAQ | Headquaters Reston, VA, United States | ||
IPO Launch date 2013-11-21 | President, CEO & Director Mr. Christopher W. Bergstrom | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 130 | Website https://www.johnmarshallbank.com |
Full time employees 130 | Website https://www.johnmarshallbank.com | ||
John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services. The company accepts checking, NOW, money market accounts, and regular savings accounts, as well as 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; and commercial term loans and lines of credit; 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. It serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. The company was founded in 2005 and is headquartered in Reston, Virginia.
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