Filing Flows › Financials › John Marshall Bancorp (JMSB)
John Marshall Bancorp (JMSB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · John Marshall Bancorp (JMSB) Q3 2026 earnings results →
Q3 2026 Revenue up 11% year over year to $18.1M · 42¢ of every $1 of revenue kept as net profit · operating margin 53.7%
John Marshall Bancorp made $18.1M in Q3 2026 (+11% Y/Y): Net interest income $17.8M, Noninterest income $268K. Operating margin 53.7%, net earnings $7.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $18.1M in Q3 2026, up 11% year over year and down 4% from the previous quarter. Net interest income was the largest line at 99% of revenue. Net interest income added $2.2M year over year (up 14%), 121% of the total change. Noninterest income declined 59%.
Operating profit was $9.7M, a 53.7% margin (up 11.5 points year over year). Of the extra revenue versus a year earlier, 157% reached operating profit, above the 42% margin then. Total costs fell 11% while revenue rose 11%. Net earnings were $7.5M, up 40% year over year. The effective tax rate was 22.2%.
Operating cash flow was $7.4M (up 508% year over year), 98% of net earnings. Non-cash charges added back $109K of depreciation and $142K of share-based compensation. Working capital and other items used $391K. Capital expenditures of $41K left free cash flow of $7.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $18.1M | +11% | 53.7% | $7.5M | $7.4M |
| Q2 2025 | 10-Q | Aug 12, 2025 | $15.4M | +22% | 42.7% | $5.1M | $7.5M |
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About John Marshall Bancorp
John Marshall Bancorp, Inc. was organized as a Virginia corporation in 2016 to serve as the holding company for John Marshall Bank. The Company and the Bank are each headquartered in Reston, Virginia (approximately 20 miles west of Washington, D.C.). The Company commenced operations as a bank holding company on March 1, 2017 following a reorganization transaction in which it became the Bank’s holding company. This transaction was treated as an internal reorganization as all shareholders of the Bank became shareholders of the Company. As a bank holding company, the Company is subject to regulation and supervision by the Federal Reserve. The Company has no material operations other than its sole ownership of the Bank. The Bank is a Virginia chartered commercial bank that commenced operations in 2006.
In its own words, from its 10-K, filed Mar 13, 2026.
John Marshall Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +11% against the peers' median +11%. Operating margin: 53.7% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| JMSB John Marshall Bancorp | Q3 2026 | $18.1M | +11% | 53.7% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: John Marshall Bancorp 10-Q on SEC EDGAR · CIK 1710482 · State Commercial Banks
Guidance and outlook
13F: who owns JMSB and who is buying
More on JMSB
- How John Marshall Bancorp makes money: revenue by segment
- John Marshall Bancorp next earnings date and what analysts expect
- John Marshall Bancorp stock forecast, price target and fair value
- Who owns John Marshall Bancorp stock: holders, funds and Congress trades
- John Marshall Bancorp guidance and outlook
History
Every quarter: Q3 2026 results · Q2 2025 results