Company Reports 24% Increase in Net Income for 2025
Reports Q4 book value per share $18.70. Reports Q4 CET1 capital ratio 15.2%. Reports Q4 net charge-offs .07%. Chris Bergstrom, president and CEO, commented, "We are pleased to report a 24% increase in net income for 2025. We grew our loan portfolio over $103 million in 2025, with 35% of that growth coming in the 4th quarter. The nearly $140 million in loan commitments booked during the quarter should provide a nice tailwind headed into 2026. Loan growth and the re-pricing of our funding and bond portfolios drove the seventh consecutive quarter of net interest margin expansion and 17.5% revenue growth. We believe that additional Federal Open Market Committee rate reductions and a continuing normalization of the yield curve could enhance our profitability. We continue to invest in technology and personnel to cultivate new relationships and deepen existing ones. Despite increasing our headcount by 5%, overhead grew only 5.5% during 2025 and resulted in significant operating leverage. As we look ahead to 2026, we remain focused on delivering tailored banking services and exceptional client experiences. The strength of our balance sheet and consistent performance enabled us to implement a quarterly cash dividend. We believe our fortress balance sheet allows us to focus on continued growth and drive increased returns and shareholder value."
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John Marshall Bancorp Reports 24% Increase in Q4 2025 Net Income
- Net Income Growth: The net income for Q4 2025 reached $5.9 million, representing a 23.9% increase from $4.8 million in Q4 2024, indicating significant improvement in profitability that is likely to boost investor confidence.
- Earnings Per Share Increase: Diluted earnings per share rose to $0.42 from $0.33 in Q4 2024, reflecting ongoing enhancements in profitability, which may attract more investor interest.
- Loan Portfolio Expansion: The loan portfolio grew by $37.3 million in Q4 2025, with an annualized growth rate of 7.6%, demonstrating strong loan demand that is expected to support future revenue growth.
- Net Interest Margin Expansion: The net interest margin expanded for the seventh consecutive quarter to 2.73%, up 21 basis points from 2.52% in Q4 2024, indicating successful cost reductions in funding that could further enhance profitability.
John Marshall Bancorp Declares Annual Dividend
- Annual Dividend Declaration: John Marshall Bancorp (JMSB) has declared an annual dividend of $0.09 per share, demonstrating the company's ongoing commitment to stable cash flow and shareholder returns.
- Dividend Yield: The forward yield of this dividend stands at 0.45%, reflecting the company's strategy to provide shareholder returns in the current market environment, aimed at attracting more investor interest.
- Payment Schedule: The dividend will be payable on March 4, with a record date of February 11 and an ex-dividend date also on February 11, ensuring shareholders receive their returns promptly and bolstering investor confidence.
- Financial Transparency: John Marshall Bancorp has provided a dividend scorecard and yield chart, enhancing the transparency of its financial information and assisting investors in better assessing the investment's value.
Simple Income Portfolio: December 2025 Update
Monetary Policy and Fed Dynamics: The Federal Reserve's recent rate cut was accompanied by significant internal dissent, indicating a divided committee that may lead to increased market volatility and uncertainty in interest rates, impacting community banks' margins and liquidity management.
AI Adoption in Banking: Major banks are rapidly adopting AI technologies to enhance efficiency and reduce costs, creating a competitive landscape where community banks must also embrace precision in technology and partnerships to remain relevant and profitable.
Changing Customer Behavior: The rise of customer-side AI tools is shifting consumer expectations and loyalty, making it crucial for community banks to adapt their retail models and enhance digital engagement to retain deposits and loans.
Investment Opportunities in Community Banks: The Community Bank Investor portfolio has shown strong performance, with several banks demonstrating solid capital positions and growth potential, highlighting the importance of strategic investments in well-capitalized community banks amidst a changing financial landscape.
Daily Upgrade Report for Validea Martin Zweig Strategy - November 20, 2025
Validea's Growth Investor Model: Today's upgrades for Validea's Growth Investor model, based on Martin Zweig's strategy, highlight stocks with accelerating earnings, reasonable valuations, and low debt, with John Marshall Bancorp Inc. and SiriusPoint Ltd. both receiving increased ratings from 77% to 85%.
John Marshall Bancorp Inc. Overview: This small-cap value stock operates in the Money Center Banks industry, providing a range of banking services primarily to small and medium-sized businesses in the Washington, D.C. area, and has shown strong underlying fundamentals.
SiriusPoint Ltd. Overview: A mid-cap value stock in the Insurance (Life) industry, SiriusPoint Ltd. is a global underwriter of insurance and reinsurance, offering various products and services across multiple sectors, also reflecting improved fundamentals.
About Martin Zweig and Validea: Martin Zweig's investment strategies have historically yielded high returns, and Validea provides stock analysis based on the strategies of successful investors, aiming to help clients outperform the market.
John Marshall Bank Appoints Charles Kapur as Senior Vice President and Director of Deposit Services to Lead Growth Strategy Development and Implementation
New Appointment: John Marshall Bank has appointed Charles Kapur as Senior Vice President, Director of Deposit Services, tasked with developing strategies to increase core deposits and market share while fostering new commercial relationships.
Community Leadership: Kapur, who previously served as President and CEO of the Greater Reston Chamber of Commerce, brings over 18 years of banking experience and a strong commitment to the local business community, aligning with the Bank's community-focused mission.
John Marshall Bancorp, Inc. Reveals Extension of Its Stock Buyback Program
Stock Repurchase Program Extension: John Marshall Bancorp, Inc. has extended its stock repurchase program until August 31, 2026, allowing for the purchase of up to 700,000 shares of common stock.
Current Repurchases: To date, the company has repurchased 93,103 shares, totaling $1.6 million under the existing program, which was initially approved in 2021.
Funding and Flexibility: The repurchase program will be funded through the company's cash reserves and operations, with the Board retaining the discretion to suspend or modify the program at any time.
Company Overview: John Marshall Bancorp is the parent company of John Marshall Bank, which operates in the Washington, D.C. area, providing a range of banking services tailored to local businesses and professionals.
John Marshall Bancorp Reports 24% Increase in Q4 2025 Net Income
- Net Income Growth: The net income for Q4 2025 reached $5.9 million, representing a 23.9% increase from $4.8 million in Q4 2024, indicating significant improvement in profitability that is likely to boost investor confidence.
- Earnings Per Share Increase: Diluted earnings per share rose to $0.42 from $0.33 in Q4 2024, reflecting ongoing enhancements in profitability, which may attract more investor interest.
- Loan Portfolio Expansion: The loan portfolio grew by $37.3 million in Q4 2025, with an annualized growth rate of 7.6%, demonstrating strong loan demand that is expected to support future revenue growth.
- Net Interest Margin Expansion: The net interest margin expanded for the seventh consecutive quarter to 2.73%, up 21 basis points from 2.52% in Q4 2024, indicating successful cost reductions in funding that could further enhance profitability.
John Marshall Bancorp Declares Annual Dividend
- Annual Dividend Declaration: John Marshall Bancorp (JMSB) has declared an annual dividend of $0.09 per share, demonstrating the company's ongoing commitment to stable cash flow and shareholder returns.
- Dividend Yield: The forward yield of this dividend stands at 0.45%, reflecting the company's strategy to provide shareholder returns in the current market environment, aimed at attracting more investor interest.
- Payment Schedule: The dividend will be payable on March 4, with a record date of February 11 and an ex-dividend date also on February 11, ensuring shareholders receive their returns promptly and bolstering investor confidence.
- Financial Transparency: John Marshall Bancorp has provided a dividend scorecard and yield chart, enhancing the transparency of its financial information and assisting investors in better assessing the investment's value.
Simple Income Portfolio: December 2025 Update
Monetary Policy and Fed Dynamics: The Federal Reserve's recent rate cut was accompanied by significant internal dissent, indicating a divided committee that may lead to increased market volatility and uncertainty in interest rates, impacting community banks' margins and liquidity management.
AI Adoption in Banking: Major banks are rapidly adopting AI technologies to enhance efficiency and reduce costs, creating a competitive landscape where community banks must also embrace precision in technology and partnerships to remain relevant and profitable.
Changing Customer Behavior: The rise of customer-side AI tools is shifting consumer expectations and loyalty, making it crucial for community banks to adapt their retail models and enhance digital engagement to retain deposits and loans.
Investment Opportunities in Community Banks: The Community Bank Investor portfolio has shown strong performance, with several banks demonstrating solid capital positions and growth potential, highlighting the importance of strategic investments in well-capitalized community banks amidst a changing financial landscape.
Daily Upgrade Report for Validea Martin Zweig Strategy - November 20, 2025
Validea's Growth Investor Model: Today's upgrades for Validea's Growth Investor model, based on Martin Zweig's strategy, highlight stocks with accelerating earnings, reasonable valuations, and low debt, with John Marshall Bancorp Inc. and SiriusPoint Ltd. both receiving increased ratings from 77% to 85%.
John Marshall Bancorp Inc. Overview: This small-cap value stock operates in the Money Center Banks industry, providing a range of banking services primarily to small and medium-sized businesses in the Washington, D.C. area, and has shown strong underlying fundamentals.
SiriusPoint Ltd. Overview: A mid-cap value stock in the Insurance (Life) industry, SiriusPoint Ltd. is a global underwriter of insurance and reinsurance, offering various products and services across multiple sectors, also reflecting improved fundamentals.
About Martin Zweig and Validea: Martin Zweig's investment strategies have historically yielded high returns, and Validea provides stock analysis based on the strategies of successful investors, aiming to help clients outperform the market.
John Marshall Bank Appoints Charles Kapur as Senior Vice President and Director of Deposit Services to Lead Growth Strategy Development and Implementation
New Appointment: John Marshall Bank has appointed Charles Kapur as Senior Vice President, Director of Deposit Services, tasked with developing strategies to increase core deposits and market share while fostering new commercial relationships.
Community Leadership: Kapur, who previously served as President and CEO of the Greater Reston Chamber of Commerce, brings over 18 years of banking experience and a strong commitment to the local business community, aligning with the Bank's community-focused mission.
John Marshall Bancorp, Inc. Reveals Extension of Its Stock Buyback Program
Stock Repurchase Program Extension: John Marshall Bancorp, Inc. has extended its stock repurchase program until August 31, 2026, allowing for the purchase of up to 700,000 shares of common stock.
Current Repurchases: To date, the company has repurchased 93,103 shares, totaling $1.6 million under the existing program, which was initially approved in 2021.
Funding and Flexibility: The repurchase program will be funded through the company's cash reserves and operations, with the Board retaining the discretion to suspend or modify the program at any time.
Company Overview: John Marshall Bancorp is the parent company of John Marshall Bank, which operates in the Washington, D.C. area, providing a range of banking services tailored to local businesses and professionals.
