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JMSB (John Marshall Bancorp) Financial Strength : 3 (As of Mar. 2025)


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What is John Marshall Bancorp Financial Strength?

John Marshall Bancorp has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.

Warning Sign:

John Marshall Bancorp Inc displays poor financial strength. Usually, this is caused by too much debt for the company.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate John Marshall Bancorp's interest coverage with the available data. John Marshall Bancorp's debt to revenue ratio for the quarter that ended in Mar. 2025 was 1.47. Altman Z-Score does not apply to banks and insurance companies.


John Marshall Bancorp Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

John Marshall Bancorp's Interest Expense for the months ended in Mar. 2025 was $-13.21 Mil. Its Operating Income for the months ended in Mar. 2025 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $85.91 Mil.

John Marshall Bancorp's Interest Coverage for the quarter that ended in Mar. 2025 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

John Marshall Bancorp's Debt to Revenue Ratio for the quarter that ended in Mar. 2025 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2025 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 85.913) / 58.408
=1.47

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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  (NAS:JMSB) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

John Marshall Bancorp has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.


John Marshall Bancorp Financial Strength Related Terms

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John Marshall Bancorp Business Description

Traded in Other Exchanges
N/A
Address
1943 Isaac Newton Square, Suite 100, Reston, VA, USA, 20190
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.
Executives
Oscar Leland Mahan director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Jonathan Craig Kinney director 2000 NORTH 14TH STREET SUITE 100, ARLINGTON VA 22201
Kent Carstater officer: Chief Financial Officer 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Andrew Peden officer: Chief Lending Officer 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Lim Nguonly director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Philip Chase director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Kelly Jo Bell officer: Chief Operating Officer 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Carl E Dodson officer: Chief Operating Officer & CRO 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Michael A Garcia director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Christopher W Bergstrom director, officer: Chief Executive Officer 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Jean Edelman director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Subhash Garg director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Ronald J Gordon director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
Michael T Foster director 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190
William Ridenour officer: Chief Banking Officer 1943 ISAAC NEWTON SQUARE EAST, SUITE 100, RESTON VA 20190