JMSB FINANCIAL STATEMENTS

John Marshall Bancorp Inc — balance sheet, income statement and cash flow trends

JMSBJohn Marshall Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue116.6 M $+3.7%

Gross Profit63 M $+15.0%

Operating Income28.8 M $+27.0%

EBITDA30.3 M $+24.6%

Net Income22.5 M $+27.1%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
JMSB	—	—	—	19.3%
ISBTR	—	—	—	28.1%
ICBCT	—	—	—	24.7%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity268.1 M $11%
Current Liabilities2 B $85%
Long-term Liabilities94.5 M $4%

Key Figures

YoY change

Total Assets2.4 B $+3.5%

Total Liabilities2.1 B $+3.2%

Total Equity268.1 M $+6.0%

Cash & ST Investments223.6 M $-8.5%

Total Debt85.4 M $-0.6%

Net Debt-64.8 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
JMSB	0.12	31.9%	-4.56	11.4%
ISBTR	—	0.0%	-28.33	8.5%
ICBCT	—	0.0%	-20.34	4.0%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
JMSB	0.12	31.9%	-4.56	11.4%
FVCB	3.28	11.7%	0.69	11.1%
FCCO	0.35	53.1%	2.28	9.2%
FDBC	0.13	6.4%	-7.75	8.6%
MYFW	0.11	34.7%	-9.28	8.4%
NWFL	0.10	31.1%	-4.09	9.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow24.1 M $+0.4%

Capital Expenditures213 K $-71.6%

Free Cash Flow23.9 M $+2.7%

Dividends Paid-5.5 M $-256.0%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
JMSB	20.7%	20.5%	0.2%	107.2%
ISBTR	28.1%	-3.3%	31.4%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
JMSB	20.7%	20.5%	0.2%	107.2%
FVCB	21.3%	21.2%	0.0%	112.0%
FCCO	8.6%	7.7%	0.9%	47.6%
FDBC	26.9%	15.4%	11.5%	128.9%
MYFW	2.9%	1.0%	1.9%	35.8%
NWFL	22.9%	22.4%	4.3%	120.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.