John Marshall Bancorp
Operates John Marshall Bank for relationship-led commercial banking around Washington, D.C.
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Profile
Operates John Marshall Bank, serving businesses, nonprofits, professionals, and individuals with deposits, treasury services, loans, and digital banking across the Washington, D.C. region. The business runs as a single Bank segment and depends on local deposit relationships, credit demand, spread income, and service-based competition.
Operates John Marshall Bank, a Virginia-chartered commercial bank serving businesses, nonprofits, professionals, and individuals. Core products include commercial deposits, treasury and cash management, commercial and industrial lending, commercial real estate loans, construction and development loans, SBA lending, mortgages, and online and mobile banking.
The footprint is concentrated in the Washington, D.C. region, including Northern Virginia, Montgomery County, Maryland, and the District of Columbia. The company reports a single operating segment, the Bank.
The operating model is relationship-led, with local market executives and niche relationship managers for sectors such as government contractors, schools, health services, nonprofits, professional services, property managers, and title companies.
Earnings depend mainly on spread income and local credit and deposit relationships. Competition comes from banks, credit unions, fintech lenders, mortgage firms, brokerages, insurers, funds, and larger regional or national financial institutions.
Company facts
Categories
Key statistics
Year to date +16.8% · Average volume (30d) 40.5K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $0.44 | $0.50 | +14.9% | $17.4M | $18.8M | +7.9% | −0.27% |
| Apr 29, 2026Q1 FY26 | $0.40 | $0.43 | +7.5% | $16.5M | $16.8M | +1.9% | +0.57% |
| Jan 28, 2026Q4 FY25 | $0.39 | $0.42 | +7.7% | $16.5M | $16.3M | −1.1% | +3.15% |
| Oct 29, 2025Q3 FY25 | $0.37 | $0.38 | +2.7% | $16.4M | $16.3M | −1.2% | −0.32% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $27.8M | $28.4M | $29.6M | $29.6M | $29.1M | $31.2M | |
| Gross profit | $14.4M | $14.9M | $15.9M | $15.7M | $16.5M | $18.5M | |
| Operating income | $6.2M | $6.6M | $6.9M | $7.8M | $7.6M | $9.0M | |
| Net income | $4.8M | $5.1M | $5.4M | $5.9M | $6.1M | $7.0M | |
| Diluted EPS | $0.34 | $0.36 | $0.38 | $0.42 | $0.43 | $0.50 | |
| Gross margin | 51.9% | 52.5% | 53.7% | 53.2% | 56.8% | 59.4% | |
| Operating margin | 22.2% | 23.2% | 23.2% | 26.2% | 26.0% | 28.9% |
Fiscal years (4-quarter sums)FY21 $75.8M · FY22 $85.8M · FY23 $85.8M · FY24 $112.4M · FY25 $115.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $6.5M · Total debt $125.2M · Total assets $2.40B · Shareholders' equity $273.6M
Dividends
Raised for 2 straight years — most recently to $0.10 from $0.09 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 5, 2026 | Aug 5 | Aug 26 | $0.10 | raised from $0.09 |
| May 13, 2026 | May 13 | Jun 3 | $0.09 | |
| Feb 11, 2026 | Feb 11 | Mar 4 | $0.09 | cut from $0.30 |
| Jun 27, 2025 | Jun 27 | Jul 7 | $0.30 | raised from $0.25 |
| Jun 28, 2024 | Jun 28 | Jul 8 | $0.25 | raised from $0.22 |
| Jun 26, 2023 | Jun 27 | Jul 6 | $0.22 | |
| May 9, 2022 | May 10 | May 24 | $0.20 | special dividend |
Ownership
Shares outstanding 14.11M · Float 12.26M · 86.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| T. Rowe Price Investment Management, Inc. | 1.97M | 13.93% | 13F | Aug 14, 2026 |
| BlackRock, Inc. | 984.4K | 6.98% | 13F | Aug 7, 2026 |
| Jonathan Craig Kinney · director | 609.9K | 4.32% | Form 4 | Aug 28, 2026 |
| Vanguard Capital Management LLC | 534.6K | 3.79% | 13F | Aug 13, 2026 |
| Evermay Wealth Management LLC | 351.1K | 2.49% | 13F | Jul 27, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | Philip Chase | director | +133 | $22.96 |
| Aug 26, 2026 | Jonathan Craig Kinney | director | +2,357 | $22.92 |
| Jun 3, 2026 | Jonathan Craig Kinney | director | +2,300 | $21.03 |
| Jun 3, 2026 | Oscar Leland Mahan | director | +179 | $21.03 |
| Dec 5, 2025 | Jonathan Craig Kinney | director | +500 | $19.63 |
Peers
- Eagle Bancorp
Larger D.C.-metro community bank with CRE and business overlap
- FVCBankcorp
Direct Northern Virginia peer for commercial clients and nonprofits
- MainStreet Bancshares
Fairfax peer for business banking, deposits, and CRE loans
- Burke & Herbert Financial Services
Old-line Northern Virginia bank competing for deposits and loans
- Capital Bancorp
Rockville commercial bank with D.C. clients and SBA overlap
- Atlantic Union Bankshares
Scaled Virginia-Maryland regional bank after Sandy Spring deal
- United Bankshares
Large regional bank competing across the D.C. metro footprint
- Primis Financial
McLean-based bank overlapping in Virginia and Maryland lending
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| John Marshall Bancorp | $23.29 | +1.13% | $323.7M | 13.3 | 11.4 | 2.7 | +21.7% |
| Eagle Bancorp | $27.57 | −0.07% | $840.8M | — | 14.8 | 1.4 | −1.5% |
| FVCBankcorp | $18.27 | 0.00% | $328.8M | 12.9 | 11.6 | 3.4 | +29.8% |
| MainStreet Bancshares | $25.15 | +0.16% | $179.0M | 12.4 | 10.8 | 1.4 | −2.8% |
| Burke & Herbert Financial Services | $71.71 | 0.00% | $1.44B | 11.5 | 8.5 | 3.3 | +24.6% |
| Capital Bancorp | $36.54 | −0.11% | $595.2M | 10.7 | 9.8 | 2.0 | +9.2% |
| Atlantic Union Bankshares | $40.66 | +0.02% | $5.77B | 12.1 | 10.5 | 2.6 | −3.5% |
| United Bankshares | $47.60 | +0.01% | $6.56B | 13.0 | 12.7 | 3.6 | +6.0% |
| Primis Financial | $16.02 | 0.00% | $398.6M | 7.4 | 9.1 | 1.3 | +44.2% |
| Median | 12.1 | 10.6 | 2.3 | +7.6% |