Is John Marshall Bancorp, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for John Marshall Bancorp, Inc. has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears undervalued, supported by a P/E ratio of 14, a price-to-book value of 1.01, and an EV to EBITDA ratio of 6.99. In comparison, ACNB Corp. has a P/E of 13.51, while Carter Bankshares, Inc. stands at a P/E of 14.43, highlighting that John Marshall Bancorp is competitively priced within its peer group.
Despite recent challenges, including a 3.01% decline in stock price over the past week compared to a 1.09% increase in the S&P 500, the long-term outlook remains promising with a 5-year return of 83.83% against the S&P 500's 100.56%. This suggests that while short-term performance may be lagging, the company's valuation metrics indicate a favorable position for potential investors.