John Marshall Bancorp, Inc. Financial Ratios — JMSB Stock

Profitability (USD)

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	8.43	8.49	7.28	7.26	8.99	10.47	10.65	12.91	15.1	2.33	7.19	8.29
Return on Assets (%)	- -	1.11	1.03	0.83	0.8	0.95	1.07	1.07	1.26	1.41	0.22	0.76	0.93
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.43	2.33	2.26	2.05	1.91	2.86	5.47	4.47	3.3	2.66	4.83	3.15	2.42
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	40.96	40.71	40.22	33.24	38.91	34.15	40.26	39.47	47.7	55.56	22.45	41.03	43.72
Profit Margin (%)	26.49	26.35	25.88	22.36	21.52	27.09	31.84	31.69	37.65	44.1	14.51	32.11	33.9
Net Income to Common Margin (%)	26.49	26.35	25.88	22.36	21.52	27.09	31.84	31.69	37.65	44.1	14.51	32.11	33.9
Effective Tax Rate (%)	35.32	35.27	35.64	32.74	44.71	20.67	20.92	19.7	21.08	20.62	35.37	21.75	22.46
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.8	60.26	20.78	20.11
Sustainable Growth Rate (%)	- -	8.43	8.49	7.28	7.26	8.99	10.47	10.65	12.91	13.77	0.93	5.69	6.62

Credit (USD)

Credit Ratios API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	39	52	71	104	133	93	94	53	48	29	29	86	86
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	39	52	71	104	133	93	94	53	48	29	29	86	86
Total Debt/EBITDA	60	73.24	91.61	136.66	166.91	72.44	34.41	20.23	21.48	15.38	17	51.22	56.45
Net Debt/EBITDA	15.11	32.98	20.7	64.89	119.07	-6.61	-2.87	-35.11	-28.28	-19.29	-43.32	-24.78	-32.34
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.68	12.66	11.77	11.05	10.97	10.18	10.24	9.87	9.7	9.06	10.25	11.03	11.39
Long-Term Debt/Equity (%)	43.01	52.18	64.96	87.55	103.23	65.54	58.1	28.42	22.98	13.85	12.68	34.94	32.26
Long-Term Debt/Capital (%)	30.08	34.29	39.38	46.68	50.79	39.59	36.75	22.13	18.69	12.17	11.25	25.89	24.39
Long-Term Debt/Total Assets (%)	5.89	6.61	7.65	9.67	11.32	6.67	5.95	2.8	2.23	1.26	1.3	3.86	3.67
Total Debt/Equity (%)	43.01	52.18	64.96	87.55	103.23	65.54	58.1	28.42	22.98	13.85	12.68	34.94	32.26
Total Debt/Capital (%)	30.08	34.29	39.38	46.68	50.79	39.59	36.75	22.13	18.69	12.17	11.25	25.89	24.39
Total Debt/Total Assets (%)	5.89	6.61	7.65	9.67	11.32	6.67	5.95	2.8	2.23	1.26	1.3	3.86	3.67
Net Debt to Equity	10.84	23.5	14.68	41.57	73.64	-5.98	-4.85	-49.32	-30.25	-17.38	-32.32	-16.9	-18.48
Net Debt/Capital (%)	9.78	19.03	12.8	29.36	42.41	-6.36	-4.86	-91.31	-41.89	-20.46	-46.42	-19.82	-22.18
EBITDA	1	1	1	1	1	1	3	3	2	2	2	2	2
EBITDA-CapEx	-1	- -	- -	- -	- -	- -	2	2	2	2	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.68	12.66	11.77	11.05	10.97	10.18	10.24	9.87	9.7	9.06	10.25	11.03	11.39
Long-Term Debt/Equity (%)	43.01	52.18	64.96	87.55	103.23	65.54	58.1	28.42	22.98	13.85	12.68	34.94	32.26
Long-Term Debt/Capital (%)	30.08	34.29	39.38	46.68	50.79	39.59	36.75	22.13	18.69	12.17	11.25	25.89	24.39
Long-Term Debt/Total Assets (%)	5.89	6.61	7.65	9.67	11.32	6.67	5.95	2.8	2.23	1.26	1.3	3.86	3.67
Total Debt/Equity (%)	43.01	52.18	64.96	87.55	103.23	65.54	58.1	28.42	22.98	13.85	12.68	34.94	32.26
Total Debt/Capital (%)	30.08	34.29	39.38	46.68	50.79	39.59	36.75	22.13	18.69	12.17	11.25	25.89	24.39
Total Debt/Total Assets (%)	5.89	6.61	7.65	9.67	11.32	6.67	5.95	2.8	2.23	1.26	1.3	3.86	3.67
CFO/Total Liabilities	1.56	1.37	1.27	1.22	1.31	1.14	1.3	1.44	1.67	1.55	0.89	0.87	1.09
CFO/CapEx	6.59	14.67	24.46	21.52	16.97	11.92	70.52	41.83	91.65	212.53	29.42	35.73	40.77
Altman's Z-Score	0.2	0.21	0.21	0.22	0.22	0.18	0.19	0.17	0.19	0.23	0.2	0.21	0.22

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	14.98	15.27	14	13.36	13.05	13.1	12.55	13.19	13.77	6.11	8.81	10.54
Days Sales Outstanding	- -	24.36	23.9	26.08	27.32	27.97	27.86	29.09	27.66	26.51	59.77	41.44	34.63
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	126	151	172	213	228	193	216	194	274	406	319	287	284
- Cash & Cash Equivalents	29	29	55	55	38	102	94	138	106	62	99	122	130
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	39	52	71	104	133	93	94	53	48	29	29	86	86
Enterprise Value	87	161	156	214	268	123	93	-44	-24	16	79	120	223
Total Capital	130	152	180	223	262	235	256	239	256	242	259	333	351
Total Debt/Capital (%)	30.08	34.29	39.38	46.68	50.79	39.59	36.75	22.13	18.69	12.17	11.25	25.89	24.39
Total Debt / EV	0.45	0.32	0.46	0.49	0.5	0.75	1.02	-1.2	-2.03	1.83	0.37	0.72	0.38
EV/Sales	3.26	5.3	4.55	5.76	6.43	2.74	1.85	- -	- -	0.22	2.23	2.25	3.55
EV/EBITDA	134.13	227.13	200.96	281.15	336.86	95.96	33.87	- -	- -	8.39	46.27	71.32	146.63
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.79	17.12	14.98	18.34	19.66	8.62	5.01	- -	- -	0.48	4.41	6.95	9.86
EV/Free Cash Flow to Firm	8.5	16.02	14.39	17.53	18.56	7.95	4.94	- -	- -	0.48	4.26	6.76	9.62
Diluted Market Cap	126	151	172	213	240	202	224	195	276	405	320	285	284
Diluted Enterprise Value	136	175	188	262	335	194	224	110	218	373	250	249	239
EV per Share	6.8	12.57	12.14	16.68	20.93	9.56	7.08	- -	- -	1.14	5.61	8.41	15.66
TTM Sales	27	30	34	37	42	45	50	58	68	72	36	53	63
TTM EBITDA	1	1	1	1	1	1	3	3	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	9	10	12	14	14	18	24	32	33	18	17	23
TTM Free Cash Flow to Firm	10	10	11	12	14	16	19	25	33	33	19	18	23

Multiples (USD)

Valuation Multiples API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	12.29	15.04	15.88	17.44	16.6	13.05	11.95	7.81	8.44	12.17	17.19	16.08	12.26
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	87	161	156	214	268	123	93	-44	-24	16	79	120	223
Low Price	9.07	9.83	11.52	12.8	15.2	14.47	13.91	9.05	14	19.5	14.38	15	13.81
EV/Sales	3.26	5.3	4.55	5.76	6.43	2.74	1.85	- -	- -	0.22	2.23	2.25	3.55
EV/EBITDA	134.13	227.13	200.96	281.15	336.86	95.96	33.87	- -	- -	8.39	46.27	71.32	146.63
Price/Earnings	17.79	18.87	19.38	25.65	25.19	15.7	13.46	10.39	10.67	12.61	61.74	16.62	13.36
Price/Earnings Average	17.75	18.9	17.78	20.86	24.68	18.7	13.09	9.3	9.51	10.91	56.57	15.83	12.47
Price/Earnings High	19.18	20.13	20.65	29.66	31.28	20.21	14.28	13.33	10.72	13.1	78.71	21.95	14.42
Price/Earnings Low	16.41	15.73	16.66	19.77	21.51	15.19	11.35	6.58	7.5	8.54	39.35	12.42	9.23
Price/Book Value	1.39	1.52	1.57	1.79	1.77	1.36	1.33	1.04	1.31	1.91	1.39	1.16	1.07
Price/Book Value Average	1.39	1.52	1.44	1.46	1.74	1.62	1.29	0.93	1.17	1.65	1.27	1.11	1
Price/Book Value High	1.5	1.62	1.68	2.07	2.2	1.75	1.41	1.33	1.32	1.98	1.77	1.53	1.15
Price/Book Value Low	1.28	1.27	1.35	1.38	1.51	1.31	1.12	0.66	0.92	1.29	0.88	0.87	0.74
Price/Tangible Book Value	1.39	1.52	1.57	1.79	1.77	1.36	1.33	1.04	1.31	1.91	1.39	1.16	1.07
Price/Tangible Book Value Average	1.39	1.52	1.44	1.46	1.74	1.62	1.29	0.93	1.17	1.65	1.27	1.11	1
Price/Tangible Book Value High	1.5	1.62	1.68	2.07	2.2	1.75	1.41	1.33	1.32	1.98	1.77	1.53	1.15
Price/Tangible Book Value Low	1.28	1.27	1.35	1.38	1.51	1.31	1.12	0.66	0.92	1.29	0.88	0.87	0.74
Price/Sales	4.71	4.97	5.02	5.73	5.42	4.25	4.29	3.29	4.02	5.56	8.96	5.34	4.53
Price/Sales Average	4.7	4.98	4.6	4.66	5.31	5.07	4.17	2.95	3.58	4.81	8.21	5.08	4.23
Price/Sales High	5.08	5.31	5.35	6.63	6.73	5.48	4.55	4.23	4.04	5.78	11.42	7.05	4.89
Price/Sales Low	4.35	4.14	4.31	4.42	4.63	4.12	3.61	2.08	2.82	3.77	5.71	3.99	3.13
Price/Cash Flow	14.16	16.06	16.53	18.25	16.57	13.36	11.6	7.88	8.39	12.09	17.69	16.49	12.56
Price/Cash Flow Average	14.13	16.08	15.17	14.85	16.24	15.92	11.28	7.06	7.48	10.47	16.21	15.71	11.73
Price/Cash Flow High	15.26	17.14	17.62	21.11	20.58	17.2	12.31	10.11	8.44	12.57	22.55	21.78	13.56
Price/Cash Flow Low	13.06	13.39	14.21	14.07	14.15	12.93	9.78	4.99	5.9	8.19	11.27	12.32	8.68
Price/Free Cash Flow Average	12.27	15.06	14.57	14.19	16.26	15.54	11.62	6.99	7.53	10.53	15.75	15.31	11.45
Price/Free Cash Flow High	13.25	16.04	16.93	20.17	20.61	16.8	12.68	10.02	8.49	12.65	21.92	21.23	13.24
Price/Free Cash Flow Low	11.34	12.53	13.65	13.45	14.17	12.63	10.08	4.94	5.94	8.24	10.96	12.01	8.47
EV/Sales Average	5.07	5.75	5.07	5.99	7.63	4.92	4.19	1.5	2.75	4.42	6.26	4.44	3.53
EV/Sales High	5.45	6.08	5.81	7.96	9.06	5.34	4.57	2.78	3.21	5.4	9.48	6.42	4.19
EV/Sales Low	4.71	4.91	4.78	5.75	6.94	3.97	3.63	0.63	1.99	3.37	3.76	3.33	2.43
EV/EBITDA Average	208.75	246.41	224.14	292.41	399.69	172.18	76.54	33.55	83.38	166.43	129.81	140.67	145.59
EV/EBITDA High	224.25	260.38	257	388.45	474.68	186.65	83.53	62.26	97.32	203.23	196.54	203.4	172.91
EV/EBITDA Low	194.06	210.59	211.33	280.6	363.65	138.66	66.36	14.12	60.34	126.66	77.9	105.67	100.15
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.83	11.8	13.4	16.6	17.8	14.95	16.5	14.3	19.9	28.78	22.56	20.08	19.99
High Price	10.6	12.59	14.28	19.2	22.1	19.25	17.5	18.35	20	29.91	28.76	26.52	21.58
Enterprise Value Average	136	175	174	223	319	221	209	88	186	319	223	237	221
Enterprise Value High	146	185	199	296	378	240	228	163	217	390	337	342	262
Enterprise Value Low	126	150	164	214	290	178	182	37	135	243	134	178	152

Shares Outstanding	13	13	13	13	13	13	13	14	14	14	14	14	14
Diluted Weighted Avg Shares	13	13	13	13	13	14	14	14	14	14	14	14	14
Basic Weighted Avg Shares	13	13	13	13	13	13	13	13	14	14	14	14	14
Revenue per Share	2.09	2.37	2.67	2.9	3.28	3.52	3.85	4.34	4.96	5.18	2.52	3.76	4.41
EBITDA per Share	0.05	0.06	0.06	0.06	0.06	0.1	0.21	0.19	0.16	0.14	0.12	0.12	0.11
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.55	0.63	0.69	0.65	0.71	0.95	1.23	1.38	1.87	2.28	0.37	1.21	1.5
Basic EPS from Cont Ops	0.55	0.63	0.69	0.65	0.71	0.95	1.23	1.38	1.87	2.28	0.37	1.21	1.5
Diluted EPS, GAAP	0.55	0.63	0.69	0.65	0.67	0.9	1.17	1.36	1.83	2.26	0.36	1.21	1.5
Diluted EPS from Cont Ops	0.55	0.63	0.69	0.65	0.67	0.9	1.17	1.36	1.83	2.26	0.36	1.21	1.5
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.2	0.22	0.25	0.3
Cash Flow per Share	0.69	0.73	0.81	0.91	1.07	1.12	1.42	1.81	2.37	2.38	1.28	1.22	1.59
Free Cash Flow per Basic Share	0.59	0.68	0.78	0.87	1.01	1.03	1.4	1.77	2.35	2.37	1.23	1.18	1.55
Cash & Equivalents per Share	6.08	3.28	6.79	8.03	7.24	12.61	16.61	21.46	25.11	29.73	19.01	17.71	10.36
Book Value per Share	7.07	7.77	8.52	9.26	10.05	11.01	12.39	13.75	15.17	15.09	16.25	17.28	18.69
Tangible Book Value per Share	7.07	7.77	8.52	9.26	10.05	11.01	12.39	13.75	15.17	15.09	16.25	17.28	18.69

John Marshall Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)