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John Marshall BancorpJMSB +4.35%64 Debt-to-Equity is 0.32 as of Mar. 2026, which is at its 10-year median of 0.32. GuruFocus rates JMSB with a GF Score™ of 64/100 and a GF Value™ of $23.27 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, John Marshall Bancorp ranks better than 67.58% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for John Marshall Bancorp's Debt-to-Equity or its related term are showing as below:
JMSB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.32 Max: 1.03
Current: 0.31
During the past 13 years, the highest Debt-to-Equity Ratio of John Marshall Bancorp was 1.03. The lowest was 0.12. And the median was 0.32.
JMSB's Debt-to-Equity is ranked better than 67.58% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs JMSB: 0.31
John Marshall Bancorp (NAS:JMSB) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
John Marshall Bancorp Debt-to-Equity Related Terms
John Marshall Bancorp Debt-to-Equity Historical Data
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The historical data trend for John Marshall Bancorp's Debt-to-Equity 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.
JMSB vs FCCO, BRBS, MYFW: Debt-to-Equity Comparison
For the Banks - Regional subindustry, John Marshall Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, John Marshall Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where John Marshall Bancorp's Debt-to-Equity falls into.
* 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 (JMSB) has a Debt-to-Equity of 0.32 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on John Marshall Bancorp and its competitors. This is near median its historical median of 0.32. Over the past decade, John Marshall Bancorp's Debt-to-Equity has ranged from 0.12 to 1.03. According to the industry distribution chart, John Marshall Bancorp ranks #461 out of 1422 companies in the Banks industry, placing it in the top 32.4%.
Is John Marshall Bancorp's Debt-to-Equity too high?
John Marshall Bancorp's current Debt-to-Equity of 0.32 is near median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.03. The Banks industry median Debt-to-Equity is 0.57. John Marshall Bancorp's value of 0.32 is 43.9% below this industry median. Based on the distribution chart, John Marshall Bancorp ranks #461 out of 1422 companies in the Banks industry, which is above 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 Debt-to-Equity compare to FCCO and BRBS?
According to the Banks industry distribution chart, John Marshall Bancorp ranks #461 out of 1422 companies for Debt-to-Equity. This puts John Marshall Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.57. John Marshall Bancorp's value of 0.32 is 43.9% below this benchmark. Historically, John Marshall Bancorp's own Debt-to-Equity has ranged from 0.12 to 1.03 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.57, John Marshall Bancorp has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. John Marshall Bancorp's current Debt-to-Equity of 0.32 is 43.9% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on John Marshall Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. John Marshall Bancorp's current Debt-to-Equity is 0.32, which is near median its own 10-year median of 0.32. 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 $23.27, compared to a current price of $23.28 — trading 0% above its estimated fair value. The current Debt-to-Equity is 0.32, which is near median its 10-year median of 0.32 and 43.9% below the Banks industry median of 0.57. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For John Marshall Bancorp (JMSB), the current Debt-to-Equity is 0.32 as of Mar. 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 overvalued.
The current stock price of $23.28 is trading 0% above its estimated GF Value™ of $23.27.
GuruFocus considers John Marshall Bancorp to be Fairly Valued.
Key valuation signals for JMSB:
Debt-to-Equity: 0.32 (near median its 10-year median of 0.32)
GF Value™: $23.27 vs. price of $23.28 (0% above fair value)
Industry Position: 43.9% below the Banks median (#461 of 1422)
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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