Demonstrações financeiras detalhadas de John Marshall Bancorp, Inc. (JMSB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
John Marshall Bancorp, Inc. registou receitas de $115.3M no último exercício, com um CAGR de 5 anos de 9.3%. O lucro líquido atingiu $21.2M, com CAGR de 5 anos de 2.8%.
Margens dos últimos 12 meses: margem bruta 55.8%, margem operacional 26.1%, margem líquida 20.5%. O fluxo de caixa livre cresceu a CAGR de -1.6% em 5 anos.
Ao preço atual de $23.08, JMSB negocia a um P/L de 13.16 e um ROE de 9.16%. A capitalização de mercado é de $326M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $43.4M | $50.5M | $59.1M | $70.3M | $74.1M | $75.8M | $85.8M | $85.8M | $112.4M | $115.3M |
| Custo da Receita | $10.1M | $10.2M | $15.3M | $21.5M | $21.8M | $11.3M | $13.8M | $47.0M | $58.7M | $54.4M |
| Lucro Bruto | $33.3M | $40.4M | $43.9M | $48.8M | $52.2M | $64.5M | $71.9M | $38.8M | $53.7M | $61.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $13.6M | $16.0M | $19.4M | $18.8M | $19.8M | $22.5M | $21.8M | $21.6M | $21.4M | $22.8M |
| Despesas Operacionais | $21.0M | $24.1M | $28.5M | $28.7M | $29.2M | $32.3M | $31.9M | $30.8M | $31.8M | $33.6M |
| Lucro Operacional | $12.3M | $16.2M | $15.3M | $20.1M | $23.1M | $32.3M | $40.1M | $8.0M | $21.9M | $27.4M |
| EBITDA | $13.1M | $17.0M | $16.6M | $22.9M | $25.7M | $34.5M | $42.0M | $9.7M | $23.6M | $28.9M |
| Despesas com Juros | $6.3M | $8.8M | $14.2M | $20.3M | $15.6M | $8.2M | $13.6M | $50.3M | $59.1M | $52.7M |
| Lucro Antes de Impostos | $12.3M | $16.2M | $15.3M | $20.1M | $23.1M | $32.3M | $40.1M | $8.0M | $21.9M | $27.4M |
| Imposto | $4.0M | $7.3M | $3.2M | $4.2M | $4.5M | $6.8M | $8.3M | $2.8M | $4.8M | $6.2M |
| Lucro Líquido | $8.3M | $9.0M | $12.2M | $15.9M | $18.5M | $25.5M | $31.8M | $5.2M | $17.1M | $21.2M |
| LPA | $0.65 | $0.70 | $0.95 | $1.22 | $1.37 | $1.87 | $2.27 | $0.37 | $1.20 | $1.50 |
| LPA Diluído | $0.65 | $0.66 | $0.89 | $1.17 | $1.35 | $1.83 | $2.25 | $0.36 | $1.20 | $1.49 |
| Ações em Circulação (Diluídas) | $12.8M | $13.5M | $13.5M | $13.6M | $13.7M | $13.9M | $14.1M | $14.1M | $14.2M | $14.2M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $29.6M | $29.6M | $29.1M | $31.2M |
| Lucro Bruto | $15.9M | $15.7M | $16.5M | $18.5M |
| Lucro Operacional | $6.9M | $7.8M | $7.6M | $9.0M |
| EBITDA | $7.4M | $8.1M | $8.0M | $9.0M |
| Lucro Líquido | $5.4M | $5.9M | $6.1M | $7.0M |
| LPA | $0.38 | $0.42 | $0.43 | $0.50 |
| LPA Diluído | $0.38 | $0.42 | $0.43 | $0.50 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $54.6M | $38.1M | $101.6M | $94.5M | $138.5M | $105.8M | $61.6M | $99.0M | $122.5M | $130.0M |
| Investimentos de Curto Prazo | $48.3M | $54.7M | $61.1M | $122.7M | $151.9M | $239.3M | $357.6M | $170.0M | $20.8M | $17.3M |
| Contas a Receber | $3.0M | $3.3M | $3.6M | $4.0M | $5.3M | $4.9M | $5.5M | $6.1M | $6.0M | $5.9M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $105.9M | $96.1M | $166.2M | $221.2M | $295.7M | $350.0M | $424.7M | $275.1M | $149.3M | $153.1M |
| Imobilizado | $2.5M | $2.5M | $2.9M | $9.6M | $8.4M | $6.5M | $5.8M | $5.5M | $6.3M | $5.9M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $1.08B | $1.18B | $1.39B | $1.58B | $1.89B | $2.15B | $2.35B | $2.24B | $2.23B | $2.33B |
| Contas a Pagar | $220000 | $996000 | $1.2M | $1.1M | $877000 | $843000 | $1.0M | $4.6M | $2.4M | $2.1M |
| Dívida de Curto Prazo | $14.2M | $10.0M | $15.0M | $12.0M | 0 | 0 | $25.5M | $10.0M | 0 | 0 |
| Passivos Circulantes | $847.5M | $907.9M | $1.15B | $1.32B | $1.64B | $1.88B | $2.09B | $1.92B | $1.89B | $1.97B |
| Dívida de Longo Prazo | $104.0M | $133.0M | $93.1M | $86.6M | $46.7M | $42.7M | $24.6M | $24.7M | $80.8M | $80.9M |
| Passivos Totais | $956.6M | $1.05B | $1.25B | $1.42B | $1.70B | $1.94B | $2.14B | $2.01B | $1.99B | $2.07B |
| Reservas | $36.5M | $45.5M | $57.7M | $73.6M | $92.2M | $117.6M | $146.6M | $146.4M | $160.0M | $176.9M |
| Patrimônio Líquido | $118.8M | $128.9M | $142.0M | $162.0M | $186.1M | $208.5M | $212.8M | $229.9M | $246.6M | $265.6M |
| Dívida Total | $118.2M | $143.0M | $108.1M | $106.1M | $52.9M | $47.9M | $55.0M | $39.2M | $86.2M | $85.7M |
| Dívida Líquida | $15.3M | $50.2M | -$54.5M | -$111.1M | -$237.5M | -$297.2M | -$364.2M | -$229.8M | -$57.1M | -$61.6M |
| Capital de Giro | -$741.6M | -$811.8M | -$988.4M | -$1.10B | -$1.35B | -$1.53B | -$1.67B | -$1.65B | -$1.75B | -$1.82B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $163.6M | $130.0M | $150.2M | $6.5M |
| Ativos Totais | $2.32B | $2.33B | $2.35B | $2.40B |
| Passivos Totais | $2.06B | $2.07B | $2.08B | $2.13B |
| Patrimônio Líquido | $259.7M | $265.6M | $268.1M | $273.6M |
| Dívida Total | $85.8M | $85.7M | $85.4M | $125.2M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $8.3M | $9.0M | $12.2M | $15.9M | $18.5M | $25.5M | $31.8M | $5.2M | $17.1M | $21.2M |
| Depreciação e Amortização | $761000 | $797000 | $1.3M | $2.7M | $2.6M | $2.2M | $1.9M | $1.7M | $1.7M | $1.5M |
| Compensação em Ações | $325000 | $752000 | $996000 | $867000 | $587000 | $560000 | $573000 | $596000 | $555000 | $527000 |
| Variação Capital de Giro | -$1.2M | $453000 | -$1.1M | -$2.4M | -$1.7M | $1.8M | -$2.0M | -$3.6M | -$469000 | -$1.4M |
| Fluxo de Caixa Operacional | $11.7M | $13.7M | $14.3M | $18.5M | $24.4M | $32.4M | $33.2M | $18.0M | $17.3M | $22.6M |
| CapEx | -$542000 | -$805000 | -$1.2M | -$262000 | -$584000 | -$353000 | -$156000 | -$612000 | -$483000 | -$554000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | -$63000 | -$68000 | -$434000 | -$162000 | -$8000 | -$6000 | -$70000 | -$2.4M |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | -$2.8M | -$3.1M | -$3.6M | -$4.3M |
| Fluxo de Caixa Livre | $11.1M | $12.9M | $13.1M | $18.2M | $23.8M | $32.0M | $33.0M | $17.4M | $16.8M | $22.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $1.2M | $6.9M | $8.5M | $5.0M |
| CapEx | -$33000 | -$18000 | -$1000 | -$6000 |
| Fluxo de Caixa Livre | $1.2M | $6.9M | $8.5M | $5.0M |
| Dividendos Pagos | 0 | -$1000 | -$1.3M | -$1.3M |
| Compensação em Ações | $120000 | $169000 | $141000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +16.5% | +17.0% | +18.9% | +5.3% | +2.4% | +13.1% | +0.1% | +31.0% | +2.6% |
| Crescimento Lucro Líquido (anual) | | +8.2% | +35.5% | +30.8% | +16.4% | +37.4% | +24.9% | -83.8% | +231.9% | +24.0% |
| Crescimento LPA (anual) | | +7.7% | +35.7% | +28.4% | +12.3% | +36.5% | +21.4% | -83.7% | +224.3% | +25.0% |
| Variação de Ações (anual) | | +5.2% | +0.3% | +0.3% | +0.6% | +1.6% | +1.5% | +0.4% | +0.5% | -0.2% |
| Crescimento FCF (anual) | | +15.6% | +2.0% | +39.0% | +30.9% | +34.2% | +3.1% | -47.3% | -3.5% | +31.3% |
| Margem Bruta | 76.8% | 79.9% | 74.2% | 69.4% | 70.5% | 85.1% | 83.9% | 45.2% | 47.8% | 52.8% |
| Margem Operacional | 28.4% | 32.1% | 26.0% | 28.6% | 31.2% | 42.5% | 46.7% | 9.3% | 19.5% | 23.7% |
| Margem EBITDA | 30.2% | 33.7% | 28.1% | 32.5% | 34.7% | 45.5% | 49.0% | 11.3% | 21.0% | 25.1% |
| Margem Líquida | 19.1% | 17.8% | 20.6% | 22.6% | 25.0% | 33.6% | 37.1% | 6.0% | 15.2% | 18.4% |
| Margem FCF | 25.6% | 25.4% | 22.2% | 25.9% | 32.2% | 42.2% | 38.5% | 20.3% | 14.9% | 19.1% |
| Taxa Efetiva de Imposto | 32.7% | 44.7% | 20.7% | 20.9% | 19.7% | 21.1% | 20.6% | 35.4% | 21.7% | 22.5% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.87 | $0.95 | $0.97 | $1.34 | $1.75 | $2.31 | $2.34 | $1.23 | $1.18 | $1.55 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.20 | $0.22 | $0.25 | $0.30 |
| Ações em Circulação (Básicas) | $12.8M | $12.7M | $12.8M | $13.0M | $13.5M | $13.6M | $13.9M | $14.1M | $14.2M | $14.2M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.16% |
| Retorno sobre capital investido | 1.01% |
| Retorno sobre ativos | 1.02% |
| Margem bruta | 55.80% |
| Margem operacional | 26.13% |
| Margem líquida | 20.46% |
Saúde financeira
| Dívida / Patrimônio | 0.46 |
| Liquidez corrente | 0.31 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 25.54 | 25.43 | 15.74 | 13.52 | 10.44 | 10.64 | 12.68 | 60.97 | 16.73 | 13.33 |
| P/VP | 1.79 | 1.76 | 1.35 | 1.32 | 1.03 | 1.30 | 1.88 | 1.38 | 1.16 | 1.07 |
| P/V | 4.91 | 4.48 | 3.23 | 3.05 | 2.60 | 3.56 | 4.68 | 3.70 | 2.54 | 2.46 |
| Margem Bruta | 76.8% | 79.9% | 74.2% | 69.4% | 70.5% | 85.1% | 83.9% | 45.2% | 47.8% | 52.8% |
| Margem Operacional | 28.4% | 32.1% | 26.0% | 28.6% | 31.2% | 42.5% | 46.7% | 9.3% | 19.5% | 23.7% |
| Margem Líquida | 19.1% | 17.8% | 20.6% | 22.6% | 25.0% | 33.6% | 37.1% | 6.0% | 15.2% | 18.4% |