For the year ending 2025-12-31, JMSB had $7,505K increase in cash & cash equivalents over the period. $22,030K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 21,233 |
| Depreciation | 507 |
| Right of use asset amortization | 1,011 |
| Provision for (recovery of) credit losses | 1,688 |
| Share-based compensation expense | 527 |
| Net accretion of securities | 203 |
| Fair value adjustment on equity securities | -402 |
| Amortization of debt issuance costs | 84 |
| Net loss (gain) on premises and equipment | -3 |
| Deferred tax benefit | -162 |
| Gain on sale of government guaranteed loans | 322 |
| Decrease in accrued interest receivable | -106 |
| Decrease in other assets | -677 |
| Decrease in accrued interest payable | -270 |
| Decrease in other liabilities | -1,893 |
| Net cash provided by operating activities | 22,584 |
| Net (increase) decrease in loans | 107,552 |
| Proceeds from sale of government guaranteed loans originally classified as held for investment | 4,329 |
| Purchase of available-for-sale securities | 32,320 |
| Proceeds from maturities, calls and principal repayments of available-for-sale securities | 43,514 |
| Proceeds from maturities, calls and principal repayments of held-to-maturity securities | 3,479 |
| Net purchases of restricted securities | 10 |
| Net proceeds from equity securities | 391 |
| Proceeds from sale of premises and equipment | 47 |
| Purchases of bank premises and equipment | 554 |
| Net cash (used in) provided by investing activities | -88,676 |
| Net increase (decrease) in deposits | 79,870 |
| Cash dividends paid | 4,271 |
| Issuance of common stock for share options exercised | 446 |
| Repurchase of shares for tax withholding on share-based compensation | 29 |
| Repurchase of common stock | 2,419 |
| Net cash provided by (used in) financing activities | 73,597 |
| Net increase in cash and cash equivalents | 7,505 |
| Cash and cash equivalents, beginning of period | 122,469 |
| Cash and cash equivalents, end of period | 129,974 |
John Marshall Bancorp, Inc. (JMSB)
John Marshall Bancorp, Inc. (JMSB)