Truxton (OTCMKTS:TRUX) & John Marshall Bancorp (NASDAQ:JMSB) Critical Survey

Dividends

John Marshall Bancorp pays an annual dividend of $0.25 per share and has a dividend yield of 1.4%. Truxton pays an annual dividend of $2.00 per share and has a dividend yield of 2.5%. John Marshall Bancorp pays out 20.8% of its earnings in the form of a dividend. Truxton pays out 31.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Valuation & Earnings

This table compares John Marshall Bancorp and Truxton”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
John Marshall Bancorp	$53.32 million	4.66	$17.12 million	$1.20	14.55
Truxton	$78.37 million	2.98	$18.41 million	$6.34	12.86

Truxton has higher revenue and earnings than John Marshall Bancorp. Truxton is trading at a lower price-to-earnings ratio than John Marshall Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares John Marshall Bancorp and Truxton’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
John Marshall Bancorp	15.23%	7.20%	0.76%
Truxton	23.49%	N/A	N/A

Volatility & Risk

John Marshall Bancorp has a beta of 0.63, indicating that its stock price is 37% less volatile than the S&P 500. Comparatively, Truxton has a beta of 0.67, indicating that its stock price is 33% less volatile than the S&P 500.

Institutional and Insider Ownership

39.1% of John Marshall Bancorp shares are held by institutional investors. Comparatively, 0.4% of Truxton shares are held by institutional investors. 12.7% of John Marshall Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

John Marshall Bancorp beats Truxton on 7 of the 13 factors compared between the two stocks.

About John Marshall Bancorp

John Marshall Bancorp, Inc. operates as the bank holding company for John Marshall Bank that provides banking products and financial services. The company accepts checking, demand, NOW, savings, and money market accounts, as well as certificates of deposit. It offers residential and commercial construction and development loans, commercial term, mortgage, commercial real estate, industrial loans, and other commercial lines of credit; debit and credit cards; and treasury and cash management, investment, business and personal insurance, remote deposit capture, deposit sweep and online and mobile banking services. The company serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. The company was founded in 2005 and is headquartered in Reston, Virginia.

About Truxton

Truxton Corporation, through its subsidiaries, provides various banking, investment management, and trust administration services to individuals, businesses, and charitable institutions in the United States. The company offers deposit products, including demand, money market accounts, and certificates of deposit. It also provides lending products, such as residential and commercial real estate mortgages, commercial loans, construction and land development loans, commercial and industrial loans, operating lines of credit, and loans to individual. In addition, the company offers strategic and capital advisory services, business banking, and treasury management services; and insurance products. The company was formerly known as NBT Holdings Inc. and changed its name to Truxton Corporation in May 2013. Truxton Corporation was founded in 2004 and is based in Nashville, Tennessee.