John Marshall Bancorp, Inc. cash flow to debt ratio of 26.35% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

John Marshall Bancorp, Inc.'s free cash flow has increased 31.32% from $16.78M last year to $22.03M, signaling increasing performance

John Marshall Bancorp, Inc.'s debt to equity ratio is 0.46, which means that the company's assets are healthy financed, signaling financial stability.

John Marshall Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.35 last year to 0.46 today, signaling weakened financials

John Marshall Bancorp, Inc. has a net cash position, so leverage is healthy.

John Marshall Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

John Marshall Bancorp, Inc.'s profit margin has increased (34.33%) in the last year from 15.23% to 20.46%, signaling increasing performance

John Marshall Bancorp, Inc.'s short-term liabilities of $1.97B exceed its short-term assets of $153.14M, signaling financial risk

John Marshall Bancorp, Inc.'s return on assets of 1.02% is lower than the 5.00% threshold, indicating inefficient asset utilization

John Marshall Bancorp, Inc.'s return on equity of 9.16%, is lower than 15.00%, indicating bad performance

John Marshall Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

John Marshall Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

John Marshall Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

John Marshall Bancorp, Inc. has a free cash flow yield of 6.80%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

John Marshall Bancorp, Inc.'s yearly earnings has increased 24.02% since last year from $17.12M to $21.23M, signaling increasing performance

John Marshall Bancorp, Inc.'s yearly revenue has increased 2.60% since last year from $112.40M to $115.33M, signaling increasing performance

ROIC 1.01% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

John Marshall Bancorp, Inc.'s 3-year revenue CAGR of 10.38% is positive, indicating growing revenue over the past 3 years

John Marshall Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

John Marshall Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

John Marshall Bancorp, Inc. is overvalued relative to its fair value price of 20.14 based on Discounted Cash Flow model

John Marshall Bancorp, Inc. has an earnings yield of 7.54%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

John Marshall Bancorp, Inc. is overvalued relative to its fair value price of 17.42 based on EBITDA multiple model

John Marshall Bancorp, Inc. has an EV/EBITDA ratio of 9.08x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

John Marshall Bancorp, Inc. is undervalued relative to its fair value price of 36.98 based on Earnings Fair Value model

John Marshall Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

John Marshall Bancorp, Inc. has a price-to-book ratio of 1.19x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

John Marshall Bancorp, Inc. has a price-to-sales ratio of 2.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue