Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
John Marshall BancorpJMSB +0.99%64 ROE % is 9.14% as of Mar. 2026, which is 6% above its 10-year median of 8.64. 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 1,525 Banks companies, John Marshall Bancorp ranks worse than 57.57% on this metric.
The historical rank and industry rank for John Marshall Bancorp's ROE % or its related term are showing as below:
JMSB'
s ROE % Range Over the Past 10 Years
Min: 2.33 Med: 8.64 Max: 15.1
Current: 9.25
During the past 13 years, John Marshall Bancorp's highest ROE % was 15.10%. The lowest was 2.33%. And the median was 8.64%.
JMSB's ROE % is ranked worse than 57.57% of 1525
companies
in the Banks industry
Industry Median: 10.31
vs JMSB: 9.25
John Marshall Bancorp (NAS:JMSB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, John Marshall Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where John Marshall Bancorp's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
John Marshall Bancorp (JMSB) has a ROE % of 9.14% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on John Marshall Bancorp and its competitors. This is near median its historical median of 8.64. Over the past decade, John Marshall Bancorp's ROE % has ranged from 2.33 to 15.10. According to the industry distribution chart, John Marshall Bancorp ranks #878 out of 1525 companies in the Banks industry, placing it in the top 57.6%.
Is John Marshall Bancorp's ROE % too high?
John Marshall Bancorp's current ROE % of 9.14% is near median its 10-year median of 8.64. Over the past 10 years, this metric has ranged from a low of 2.33 to a high of 15.10. The Banks industry median ROE % is 10.31. John Marshall Bancorp's value of 9.14% is 11.3% below this industry median. Based on the distribution chart, John Marshall Bancorp ranks #878 out of 1525 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 ROE % compare to FCCO and MYFW?
According to the Banks industry distribution chart, John Marshall Bancorp ranks #878 out of 1525 companies for ROE %. This places John Marshall Bancorp in the lower half of its industry. The industry median ROE % is 10.31. John Marshall Bancorp's value of 9.14% is 11.3% below this benchmark. Historically, John Marshall Bancorp's own ROE % has ranged from 2.33 to 15.10 over the past decade. While the company's 10-year median is 8.64 vs. the industry median of 10.31, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.31, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. John Marshall Bancorp's current ROE % of 9.14% is 11.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on John Marshall Bancorp and its competitors. For the Banks industry, the median ROE % is 10.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. John Marshall Bancorp's current ROE % is 9.14%, which is near median its own 10-year median of 8.64. 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 ROE % is 9.14%, which is near median its 10-year median of 8.64 and 11.3% below the Banks industry median of 10.31. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For John Marshall Bancorp (JMSB), the current ROE % is 9.14% 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 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:
ROE %: 9.14% (near median its 10-year median of 8.64)
GF Value™: $23.25 vs. price of $22.32 (4% below fair value)
Industry Position: 11.3% below the Banks median (#878 of 1525)
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
Get the complete analysis for JMSB
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JMSB has been successfully added to your 
