your badges 52W Range $18–$24 78% of range Analyst Rating BUY 8 analysts Price Target $27 +17% upside P/E 13.4 ROE 8.2% Net Profit Margin 33.9%

JMSB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $23.01
P/E 13.4
EPS $1.49
ROE 8.2%
52W Range $19–$24

JMSB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

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Stock splits 1
Ex-date Split Type
Sept. 6, 2017 5-for-4 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
EPS$1.49
2021-12-31 → 2025-12-31
Free Cash Flow$22M
2022-12-31 → 2025-12-31
Net margin33.9%
2022-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend JMSB 5Y avg Peer Median Verdict
P/E 13.45Y avg ≈26.4 ≈26.4 11.4 Overvalued

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Payout Ratio20.1%
Annualized Payout≈$0.10Paid annually
Growth Streak≈2Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Aug 5, 2026$0.10USD≈1.2%
May 13, 2026$0.09USD≈2.3%
Feb 11, 2026$0.09USD≈1.9%
Jun 27, 2025$0.30USD≈1.6%
Jun 28, 2024$0.25USD≈1.4%
Jun 26, 2023$0.22USD≈1.1%
May 9, 2022$0.20USD≈0.83%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise 6.1%
Next Report Oct 27, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 21, 2026 $0.50 $0.45 12.0%
March 31, 2026 $0.43 $0.41 5.4%
Dec. 31, 2025 $0.42 $0.40 6.1%
Sept. 30, 2025 $0.38 $0.38 0.69%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 9
Metric Trend 20252024202320222021
Interest Expense ··$50M$14M$8M
Interest Income $113M$110M$101M$84M$74M
Pretax Income $27M$22M$8M$40M$32M
Income Tax $6M$5M$3M$8M$7M
Net Income $21M$17M$5M$32M$25M
EPS (Basic) $1.49$1.20$0.37$2.27$1.87
EPS (Diluted) $1.49$1.20$0.36$2.25$1.83
Shares (Basic) 14,189,52214,172,16614,076,92513,931,84113,581,586
Shares (Diluted) 14,194,60314,206,10914,147,19314,084,42713,879,595
Balance Sheet 14
Metric Trend 20252024202320222021
Cash & Equivalents $130M$122M$99M$62M$106M
PP&E (Net) $1M$1M$1M$1M$2M
PP&E (Gross) $11M$10M$10M$9M$9M
Accum. Depreciation $9M$9M$8M$8M$7M
Total Assets $2.33B$2.23B$2.24B$2.35B$2.15B
Short-term Debt ··$54M··
Total Liabilities $2.07B$1.99B$2.01B$2.14B$1.94B
Long-term Debt $81M$81M$25M$25M$43M
Total Debt ··$54M··
Paid-in Capital $96M$97M$96M$95M$91M
Retained Earnings $177M$160M$146M$147M$118M
AOCI $-7M$-11M$-12M$-29M$-400.0K
Stockholders' Equity $266M$247M$230M$213M$208M
Liabilities + Equity $2.33B$2.23B$2.24B$2.35B$2.15B
Cash Flow 13
Metric Trend 20252024202320222021
Stock-based Comp $527.0K$555.0K$596.0K$573.0K$560.0K
Deferred Tax $-162.0K$-284.0K$921.0K$594.0K$-678.0K
Operating Cash Flow $23M$17M$18M$33M$32M
CapEx $554.0K$483.0K$612.0K$156.0K$353.0K
Investing Cash Flow $-89M$31M$145M$-271M$-303M
Stock Repurchased $2M$49.0K···
Net Stock Activity $-2M$-49.0K···
Dividends Paid $4M$4M$3M$3M·
Financing Cash Flow $74M$-25M$-125M$194M$238M
Net Change in Cash $8M$23M$37M$-44M$-33M
Taxes Paid $6M$1M···
Free Cash Flow $22M$17M$17M$33M·
Levered FCF ··$-15M$22M·
Profitability 4
Metric Trend 20252024202320222021
Net Margin 33.9%32.1%14.5%44.1%·
Pretax Margin 43.7%41.0%22.4%55.6%·
ROA 0.93%0.76%0.22%1.4%·
ROE 8.2%7.0%2.3%15.3%·
Liquidity & Solvency 1
Metric Trend 20252024202320222021
Debt / Equity ··0.2··
Efficiency 1
Metric Trend 20252024202320222021
Asset Turnover 0.00.00.00.0·
Per Share 4
Metric Trend 20252024202320222021
Revenue / Share $4.41$3.75$2.51$5.12·
Cash Flow / Share $1.59$1.21$1.27$2.35·
Dividend Paid / Share $0.30$0.25$0.22$0.00·
EPS (TTM) $1.49$1.20$0.36$2.25·
Growth Rates 6
Metric Trend 20252024202320222021
Revenue YoY 17.5%50.0%-50.7%6.6%·
Revenue CAGR 3Y -4.6%-7.6%···
EPS YoY 24.2%233.3%-84.0%22.9%·
EPS CAGR 3Y -12.8%-13.1%···
Net Income YoY 24.0%231.9%-83.8%24.9%·
Net Income CAGR 3Y -12.6%-12.4%···
Valuation (TTM) 6
Metric Trend 20252024202320222021
Revenue TTM $63M$53M$36M$72M·
Net Income TTM $21M$17M$5M$32M·
P/E 13.416.762.712.8·
Earnings Yield 7.4%6.0%1.6%7.8%·
Payout Ratio 20.1%20.8%60.3%8.8%·
Annual Payout $4M$4M$3M$3M·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $21M $17M $5M $32M $25M
Diluted EPS $1.49 $1.20 $0.36 $2.25 $1.83

Institutional owners (13F) 97 filers · $120.3M total · As of Sept. 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 97
Value held $120.3M
New positions 22
Exited positions 5
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
22 (+11 vs prior Q) 5 (+2 vs prior Q) 37 (+7 vs prior Q) 15 (-6 vs prior Q) +91K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $21,460,159 984,411 17.84% Shares
VANGUARD GROUP INC $13,845,354 692,614 11.51% Shares
VANGUARD CAPITAL MANAGEMENT LLC $11,653,626 534,570 9.69% Shares
EVERMAY WEALTH MANAGEMENT LLC $7,655,049 351,149 6.36% Shares
TOTH FINANCIAL ADVISORY CORP $7,330,310 336,253 6.09% Shares
GEODE CAPITAL MANAGEMENT, LLC $6,894,460 316,184 5.73% Shares
STATE STREET CORP $4,763,780 218,522 3.96% Shares
BANK OF AMERICA CORP /DE/ $3,882,841 178,112 3.23% Shares
MAI Capital Management $2,903,586 133,192 2.41% Shares
BROWN ADVISORY INC $2,361,856 108,342 1.96% Shares
Elizabeth Park Capital Advisors, Ltd. $2,296,390 105,339 1.91% Shares
Cresset Asset Management, LLC $2,277,981 104,494 1.89% Shares
RENAISSANCE TECHNOLOGIES LLC $2,260,660 103,700 1.88% Shares
NORTHERN TRUST CORP $2,179,892 99,995 1.81% Shares
MARSHALL WACE, LLP $2,138,361 98,090 1.78% Shares
MACKENZIE FINANCIAL CORP $1,922,825 88,203 1.60% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,842,471 84,517 1.53% Shares
VANGUARD FIDUCIARY TRUST CO $1,806,392 82,862 1.50% Shares
Wealthspire Advisors, LLC $1,402,451 64,333 1.17% Shares
Meridian Financial Partners LLC $1,264,161 57,619 1.05% Shares
GOLDMAN SACHS GROUP INC $1,209,246 55,470 1.01% Shares
CITADEL ADVISORS LLC $1,011,868 46,416 0.84% Shares
Quantinno Capital Management LP $991,900 45,500 0.82% Shares
AQR CAPITAL MANAGEMENT LLC $920,437 42,222 0.77% Shares
Selective Wealth Management, Inc. $911,665 41,103 0.76% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $838,493 38,463 0.70% Shares
MORGAN STANLEY $790,119 36,244 0.66% Shares
Bank of New York Mellon Corp $740,196 33,954 0.62% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $669,020 30,689 0.56% Shares
Nuveen, LLC $630,194 28,908 0.52% Shares
MILLENNIUM MANAGEMENT LLC $601,375 27,586 0.50% Shares
Trexquant Investment LP $529,958 24,310 0.44% Shares
DIMENSIONAL FUND ADVISORS LP $528,069 24,221 0.44% Shares
ROYAL BANK OF CANADA $490,000 22,461 0.41% Shares
Advisory Services Network, LLC $469,790 21,550 0.39% Shares
NewEdge Advisors, LLC $459,676 21,086 0.38% Shares
Snowden Capital Advisors LLC $458,149 21,016 0.38% Shares
Mariner, LLC $388,826 17,836 0.32% Shares
Man Group plc $366,153 16,796 0.30% Shares
RHUMBLINE ADVISERS $339,858 15,590 0.28% Shares
Blue Edge Capital, LLC $337,900 15,500 0.28% Shares
KFA Private Wealth Group, LLC $324,057 14,865 0.27% Shares
RAYMOND JAMES FINANCIAL INC $318,955 14,631 0.27% Shares
XTX Topco Ltd $306,879 14,077 0.26% Shares
WELLS FARGO & COMPANY/MN $294,412 13,505 0.24% Shares
Lido Advisors, LLC $272,609 12,505 0.23% Shares
DEUTSCHE BANK AG\ $239,909 11,005 0.20% Shares
UBS Group AG $234,023 10,735 0.19% Shares
MERCER GLOBAL ADVISORS INC /ADV $232,693 10,674 0.19% Shares
OCCUDO QUANTITATIVE STRATEGIES LP $231,603 10,624 0.19% Shares

Show all 97 institutional owners →

Company insiders 14 insiders · 5 officers · 9 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Christopher W Bergstrom CHIEF EXECUTIVE OFFICER June 17, 2026 G 32,720 0 0 $0
Kent Carstater CHIEF FINANCIAL OFFICER Dec. 16, 2025 A 56,219 0 0 $0
Kelly Jo Bell CHIEF OPERATING OFFICER Dec. 19, 2025 F 1,333 0 0 $0
Carl E Dodson CHIEF OPERATING OFFICER & CRO May 27, 2022 S 23,000 0 0 $0
Andrew Peden CHIEF BANKING OFFICER Dec. 17, 2025 F 26,560 0 0 $0
Philip Chase Director Aug. 26, 2026 P 32,408 1 0 $3,054
Jonathan Craig Kinney Director Aug. 26, 2026 P 279,926 12 0 $179,629
Oscar Leland Mahan Director June 3, 2026 P 94,981 1 0 $3,764
Philip W Allin Director Dec. 16, 2025 A 29,963 0 0 $0
Michael T Foster Director Dec. 16, 2025 A 337,573 0 0 $0
Subhash Garg Director Dec. 16, 2025 A 44,213 0 0 $0
Lim Nguonly Director Dec. 17, 2024 A 64,375 0 0 $0
Ronald J Gordon Director Dec. 20, 2022 A 151,373 0 0 $0
GARCIA MICHAEL A · Dec. 16, 2025 A 36,273 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 18 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.07% 43,304 SH Sept. 11, 2026 Daily
EBIT · Harbor ETF Trust 0.02% 127 NS July 31, 2026 N-PORT
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 10,993 SH Aug. 19, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 1,261 SH Sept. 28, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 72,536 SH Aug. 19, 2026 Daily
IWM · iShares Trust 0.01% 330,326 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.01% 6,040 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 1,023 NS July 31, 2026 N-PORT
ITOT · iShares Trust 0.00% 32,159 SH Sept. 11, 2026 Daily
DFAS · Dimensional ETF Trust 0.00% 4,988 NS July 31, 2026 N-PORT
IWV · iShares Trust 0.00% 6,055 SH Sept. 3, 2026 Daily
DCOR · Dimensional ETF Trust 0.00% 737 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.00% 1,184 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 143,868 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 379,425 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 988 SH Aug. 19, 2026 Daily
DFAC · Dimensional ETF Trust 0.00% 793 NS July 31, 2026 N-PORT
IWN · iShares Trust · 135,628 SH Sept. 11, 2026 Daily

JMSB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 8 analysts BUY
Median target $27.00 +17.3%
3 37.5% Strong Buy
4 50.0% Buy
1 12.5% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

2 analysts · 2026-10-01

Mean target $27.00 +17.3%

← Below all targets Current price $23.01
Low$26.00 Mean$27.00 High$28.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
JMSB · 13.4 17.5% 33.9% 8.2% ·
AVBH $291M -11.8 -61.9% -63.2% -8.1% ·
BCML $320M 13.5 3.1% 23.8% 7.1% ·
COSO · 10.8 6.4% 1254.0% 10.6% ·
FDBC $251M 9.0 15.3% 30.2% 12.3% ·
FVCB $249M 11.5 13.9% 1238.5% 8.9% ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 7, 2026