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John Marshall BancorpJMSB +0.99%64 Cyclically Adjusted PB Ratio is 1.36 as of Jul. 26, 2026, which is 11% above its 10-year median of 1.22. GuruFocus rates JMSB with a GF Score™ of 64/100 and a GF Value™ of $23.25 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,292 Banks companies, John Marshall Bancorp ranks worse than 55.11% on this metric.
The historical rank and industry rank for John Marshall Bancorp's Cyclically Adjusted PB Ratio or its related term are showing as below:
JMSB'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.08 Med: 1.22 Max: 1.92
Current: 1.36
During the past 13 years, John Marshall Bancorp's highest Cyclically Adjusted PB Ratio was 1.92. The lowest was 1.08. And the median was 1.22.
JMSB's Cyclically Adjusted PB Ratio is ranked worse than 55.11% of 1292
companies
in the Banks industry
Industry Median: 1.27
vs JMSB: 1.36
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
John Marshall Bancorp's adjusted book value per share data of for the fiscal year that ended in Dec25 was $18.687. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $16.43 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
John Marshall Bancorp (NAS:JMSB) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
John Marshall Bancorp Cyclically Adjusted PB Ratio Related Terms
John Marshall Bancorp Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for John Marshall Bancorp's Cyclically Adjusted PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
John Marshall Bancorp Cyclically Adjusted PB Ratio Chart
JMSB vs FCCO, MYFW, CSHX: Cyclically Adjusted PB Ratio Comparison
For the Banks - Regional subindustry, John Marshall Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
John Marshall Bancorp Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, John Marshall Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where John Marshall Bancorp's Cyclically Adjusted PB Ratio falls into.
John Marshall Bancorp Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PB Ratio of 1.36 mean?
John Marshall Bancorp (JMSB) has a Cyclically Adjusted PB Ratio of 1.36 as of Jul. 26, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on John Marshall Bancorp and its competitors. This is 11% above median its historical median of 1.22. Over the past decade, John Marshall Bancorp's Cyclically Adjusted PB Ratio has ranged from 1.08 to 1.92. According to the industry distribution chart, John Marshall Bancorp ranks #712 out of 1292 companies in the Banks industry, placing it in the top 55.1%.
Is John Marshall Bancorp's Cyclically Adjusted PB Ratio too high?
John Marshall Bancorp's current Cyclically Adjusted PB Ratio of 1.36 is 11% above median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 1.92. The Banks industry median Cyclically Adjusted PB Ratio is 1.27. John Marshall Bancorp's value of 1.36 is 7.1% above this industry median. Based on the distribution chart, John Marshall Bancorp ranks #712 out of 1292 companies in the Banks industry, which is below the industry midpoint. Overall, John Marshall Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does John Marshall Bancorp's Cyclically Adjusted PB Ratio compare to FCCO and MYFW?
According to the Banks industry distribution chart, John Marshall Bancorp ranks #712 out of 1292 companies for Cyclically Adjusted PB Ratio. This places John Marshall Bancorp in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.27. John Marshall Bancorp's value of 1.36 is 7.1% above this benchmark. Historically, John Marshall Bancorp's own Cyclically Adjusted PB Ratio has ranged from 1.08 to 1.92 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 1.27, John Marshall Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.27, based on 1,292 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. John Marshall Bancorp's current Cyclically Adjusted PB Ratio of 1.36 is 7.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on John Marshall Bancorp and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. John Marshall Bancorp's current Cyclically Adjusted PB Ratio is 1.36, which is 11% above median its own 10-year median of 1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is John Marshall Bancorp stock overvalued right now?
Based on GuruFocus' analysis, John Marshall Bancorp (JMSB) is currently considered Fairly Valued. The stock's GF Value™ is $23.25, compared to a current price of $22.32 — trading 4% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.36, which is 11% above median its 10-year median of 1.22 and 7.1% above the Banks industry median of 1.27. John Marshall Bancorp's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For John Marshall Bancorp (JMSB), the current Cyclically Adjusted PB Ratio is 1.36 as of Jul. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is John Marshall Bancorp (JMSB) Overvalued in 2026?
Based on GuruFocus' analysis, John Marshall Bancorp stock appears to be undervalued.
The current stock price of $22.32 is trading 4% below its estimated GF Value™ of $23.25.
GuruFocus considers John Marshall Bancorp to be Fairly Valued.
Key valuation signals for JMSB:
Cyclically Adjusted PB Ratio: 1.36 (11% above median its 10-year median of 1.22)
GF Value™: $23.25 vs. price of $22.32 (4% below fair value)
Industry Position: 7.1% above the Banks median (#712 of 1292)
No single metric tells the full story. See the JMSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
John Marshall Bancorp Inc is a bank holding company. Through its banking subsidiary, it offers banking products and financial services to small to medium-sized businesses, professional corporations, non-profits, and individuals. The products and services offered by the company include commercial checking, savings, and money market accounts, certificates of deposit, treasury and cash management services, commercial and industrial loans, commercial real estate loans, residential and commercial construction and development loans, online banking, and mobile banking. The firm serves local businesses, professionals, individuals, and families throughout the Washington, D.C. metropolitan area.
64GF Score
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