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John Marshall Bancorp JMSB Q4 2025 Annual earnings

Reported January 28, 2026 · Before market open

Revenue$16.3MMiss by $187.0K
EPS$0.42Beat by $0.03
Revenue estimate$16.5M
EPS estimate$0.39

Next report

Date not yet announced

Financials

Q4 2025

Income statement

See full
Revenue$16.4M+14.0%
Net income$5.9M+23.8%
EPS (diluted)$0.42+27.3%

Balance sheet

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Cash & equivalents$130.0M+6.1%
Total debt$4.8M-10.2%
Total equity$265.6M+7.7%
Total assets$2.3B+4.4%

Cash flow

See full
Operating cash flow$6.9M+25.0%
CapEx$18.0K-92.9%
Free cash flow$6.9M+30.7%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$283.37M-0.9%
Enterprise value$158.21M-6.3%
P/E13.3×-3.4×
P/S4.5×-0.8×

Profitability

See full
Net margin33.9%+1.8pp
FCF margin35.2%+3.7pp

Returns & leverage

See full
Return on equity8.3%+1.1pp
Debt / equity0×0.0×

Segments

By product

See full
Interchange Income$78.0K-15.2%
Account Service Fees$65.0K-1.5%
Other Charges And Fees$64.0K-28.1%
Insurance Commissions$24.0K-59.3%
Overdrawn Account Fees$16.0K-30.4%

Versus estimates

Revenue

Q2 2026$18.8MBeat by $1.4MQ1 2026$16.8MBeat by $314.0K
Q4 2025$16.3MMiss by $187.0K
Q3 2025$16.3MMiss by $193.0KQ2 2025$15.4MMiss by $83.0KQ1 2025$27.8M

Diluted EPS

Q2 2026$0.50Beat by $0.07Q1 2026$0.43Beat by $0.03
Q4 2025$0.42Beat by $0.03
Q3 2025$0.38Beat by $0.01Q2 2025$0.36Beat by $0.02Q1 2025$0.34

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Questions, answered.

When did John Marshall Bancorp report Q4 2025 earnings?
John Marshall Bancorp (JMSB) reported Q4 2025 earnings on January 28, 2026 before market open.
What were John Marshall Bancorp's Q4 2025 revenue and EPS?
John Marshall Bancorp reported revenue of $16.3M and eps of $0.42 for Q4 2025.
Did John Marshall Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $16.5M by $187.0K. EPS beat the consensus estimate of $0.39 by $0.03.
How did John Marshall Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 42.2% from $28.3M a year earlier and eps grew 25.1% from $0.34.
Where can I find John Marshall Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-007250) and the 10-K periodic report (0001104659-26-027378) directly on SEC EDGAR. The filing index links above go to sec.gov.