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John Marshall BancorpJMSB +0.99%64 PB Ratio is 1.15 as of Jul. 26, 2026, which is 12% below its 10-year median of 1.31. 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 1,516 Banks companies, John Marshall Bancorp ranks worse than 52.51% on this metric.
The historical rank and industry rank for John Marshall Bancorp's PB Ratio or its related term are showing as below:
JMSB'
s PB Ratio Range Over the Past 10 Years
Min: 0.81 Med: 1.31 Max: 2.03
Current: 1.15
During the past 13 years, John Marshall Bancorp's highest PB Ratio was 2.03. The lowest was 0.81. And the median was 1.31.
JMSB's PB Ratio is ranked worse than 52.51% of 1516
companies
in the Banks industry
Industry Median: 1.12
vs JMSB: 1.15
During the past 12 months, John Marshall Bancorp's average Book Value Per Share Growth Rate was 7.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of John Marshall Bancorp was 11.30% per year. The lowest was 4.50% per year. And the median was 7.10% per year.
Back to Basics: PB Ratio
John Marshall Bancorp (NAS:JMSB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Banks - Regional subindustry, John Marshall Bancorp's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, John Marshall Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where John Marshall Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
John Marshall Bancorp (JMSB) has a PB Ratio of 1.15 as of Jul. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on John Marshall Bancorp and its competitors. This is 12% below median its historical median of 1.31. Over the past decade, John Marshall Bancorp's PB Ratio has ranged from 0.81 to 2.03. According to the industry distribution chart, John Marshall Bancorp ranks #796 out of 1516 companies in the Banks industry, placing it in the top 52.5%.
Is John Marshall Bancorp's PB Ratio too high?
John Marshall Bancorp's current PB Ratio of 1.15 is 12% below median its 10-year median of 1.31. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 2.03. The Banks industry median PB Ratio is 1.12. John Marshall Bancorp's value of 1.15 is 2.7% above this industry median. Based on the distribution chart, John Marshall Bancorp ranks #796 out of 1516 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 PB Ratio compare to FCCO and MYFW?
According to the Banks industry distribution chart, John Marshall Bancorp ranks #796 out of 1516 companies for PB Ratio. This places John Marshall Bancorp in the lower half of its industry. The industry median PB Ratio is 1.12. John Marshall Bancorp's value of 1.15 is 2.7% above this benchmark. Historically, John Marshall Bancorp's own PB Ratio has ranged from 0.81 to 2.03 over the past decade. While the company's 10-year median is 1.31 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. John Marshall Bancorp's current PB Ratio of 1.15 is 2.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on John Marshall Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. John Marshall Bancorp's current PB Ratio is 1.15, which is 12% below median its own 10-year median of 1.31. 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 PB Ratio is 1.15, which is 12% below median its 10-year median of 1.31 and 2.7% above the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For John Marshall Bancorp (JMSB), the current PB Ratio is 1.15 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:
PB Ratio: 1.15 (12% below median its 10-year median of 1.31)
GF Value™: $23.25 vs. price of $22.32 (4% below fair value)
Industry Position: 2.7% above the Banks median (#796 of 1516)
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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