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Side-by-side financial comparison of John Marshall Bancorp, Inc. (JMSB) and R F INDUSTRIES LTD (RFIL). Click either name above to swap in a different company.
R F INDUSTRIES LTD is the larger business by last-quarter revenue ($22.7M vs $16.8M, roughly 1.4× John Marshall Bancorp, Inc.). John Marshall Bancorp, Inc. runs the higher net margin — 36.3% vs 0.8%, a 35.6% gap on every dollar of revenue. Over the past eight quarters, R F INDUSTRIES LTD's revenue compounded faster (29.8% CAGR vs 15.3%).
John Marshall Bancorp, Inc. is a U.S.-based bank holding company that operates through its wholly owned subsidiary John Marshall Bank. It provides a full suite of commercial and consumer banking products including deposit accounts, commercial loans, residential mortgages, and personal financial services, primarily serving retail customers and small-to-mid-sized businesses across the U.S. Mid-Atlantic region.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
JMSB vs RFIL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $16.8M | $22.7M |
| Net Profit | $6.1M | $173.0K |
| Gross Margin | — | 36.8% |
| Operating Margin | — | 4.0% |
| Net Margin | 36.3% | 0.8% |
| Revenue YoY | — | 22.9% |
| Net Profit YoY | 26.8% | 172.7% |
| EPS (diluted) | $0.43 | $0.01 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $16.8M | — | ||
| Q4 25 | $16.4M | $22.7M | ||
| Q3 25 | $16.3M | $19.8M | ||
| Q2 25 | $15.4M | $18.9M | ||
| Q1 25 | $14.6M | $19.2M | ||
| Q4 24 | $14.3M | $18.5M | ||
| Q3 24 | $13.8M | $16.8M | ||
| Q2 24 | $12.6M | $16.1M |
| Q1 26 | $6.1M | — | ||
| Q4 25 | $5.9M | $173.0K | ||
| Q3 25 | $5.4M | $392.0K | ||
| Q2 25 | $5.1M | $-245.0K | ||
| Q1 25 | $4.8M | $-245.0K | ||
| Q4 24 | $4.8M | $-238.0K | ||
| Q3 24 | $4.2M | $-705.0K | ||
| Q2 24 | $3.9M | $-4.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% |
| Q1 26 | — | — | ||
| Q4 25 | 47.4% | 4.0% | ||
| Q3 25 | 42.2% | 3.6% | ||
| Q2 25 | 42.7% | 0.6% | ||
| Q1 25 | 42.4% | 0.3% | ||
| Q4 24 | 42.5% | 0.5% | ||
| Q3 24 | 38.8% | -2.5% | ||
| Q2 24 | 39.7% | -2.6% |
| Q1 26 | 36.3% | — | ||
| Q4 25 | 36.2% | 0.8% | ||
| Q3 25 | 33.2% | 2.0% | ||
| Q2 25 | 33.1% | -1.3% | ||
| Q1 25 | 32.9% | -1.3% | ||
| Q4 24 | 33.3% | -1.3% | ||
| Q3 24 | 30.7% | -4.2% | ||
| Q2 24 | 30.9% | -26.7% |
| Q1 26 | $0.43 | — | ||
| Q4 25 | $0.41 | $0.01 | ||
| Q3 25 | $0.38 | $0.04 | ||
| Q2 25 | $0.36 | $-0.02 | ||
| Q1 25 | $0.34 | $-0.02 | ||
| Q4 24 | $0.33 | $-0.02 | ||
| Q3 24 | $0.30 | $-0.07 | ||
| Q2 24 | $0.27 | $-0.41 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $150.2M | $5.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $268.1M | $35.2M |
| Total Assets | $2.4B | $73.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $150.2M | — | ||
| Q4 25 | $130.0M | $5.1M | ||
| Q3 25 | $163.6M | $3.0M | ||
| Q2 25 | $116.9M | $3.6M | ||
| Q1 25 | $169.1M | $1.3M | ||
| Q4 24 | $122.5M | $839.0K | ||
| Q3 24 | $177.2M | $1.8M | ||
| Q2 24 | $182.6M | $1.4M |
| Q1 26 | — | — | ||
| Q4 25 | $80.9M | — | ||
| Q3 25 | $80.9M | — | ||
| Q2 25 | $80.8M | — | ||
| Q1 25 | $80.8M | — | ||
| Q4 24 | $80.8M | — | ||
| Q3 24 | $80.8M | — | ||
| Q2 24 | $24.7M | — |
| Q1 26 | $268.1M | — | ||
| Q4 25 | $265.6M | $35.2M | ||
| Q3 25 | $259.7M | $34.8M | ||
| Q2 25 | $253.7M | $34.2M | ||
| Q1 25 | $253.0M | $34.2M | ||
| Q4 24 | $246.6M | $34.1M | ||
| Q3 24 | $243.1M | $34.1M | ||
| Q2 24 | $235.3M | $34.6M |
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.3B | $73.0M | ||
| Q3 25 | $2.3B | $73.2M | ||
| Q2 25 | $2.3B | $72.7M | ||
| Q1 25 | $2.3B | $70.4M | ||
| Q4 24 | $2.2B | $71.0M | ||
| Q3 24 | $2.3B | $71.9M | ||
| Q2 24 | $2.3B | $72.8M |
| Q1 26 | — | — | ||
| Q4 25 | 0.30× | — | ||
| Q3 25 | 0.31× | — | ||
| Q2 25 | 0.32× | — | ||
| Q1 25 | 0.32× | — | ||
| Q4 24 | 0.33× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 0.11× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $2.1M |
| Free Cash FlowOCF − Capex | — | $2.0M |
| FCF MarginFCF / Revenue | — | 9.0% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | 12.13× |
| TTM Free Cash FlowTrailing 4 quarters | — | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $22.6M | $2.1M | ||
| Q3 25 | $1.2M | $-311.0K | ||
| Q2 25 | $7.5M | $2.2M | ||
| Q1 25 | $7.0M | $601.0K | ||
| Q4 24 | $17.3M | $-244.0K | ||
| Q3 24 | $1.4M | $2.4M | ||
| Q2 24 | $10.2M | $197.0K |
| Q1 26 | — | — | ||
| Q4 25 | $22.0M | $2.0M | ||
| Q3 25 | $1.2M | $-419.0K | ||
| Q2 25 | $7.4M | $2.2M | ||
| Q1 25 | $6.6M | $574.0K | ||
| Q4 24 | $16.8M | $-418.0K | ||
| Q3 24 | $1.3M | $2.1M | ||
| Q2 24 | $10.1M | $28.0K |
| Q1 26 | — | — | ||
| Q4 25 | 134.7% | 9.0% | ||
| Q3 25 | 7.3% | -2.1% | ||
| Q2 25 | 47.8% | 11.4% | ||
| Q1 25 | 45.3% | 3.0% | ||
| Q4 24 | 116.9% | -2.3% | ||
| Q3 24 | 9.5% | 12.6% | ||
| Q2 24 | 80.1% | 0.2% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 0.3% | ||
| Q3 25 | 0.2% | 0.5% | ||
| Q2 25 | 1.0% | 0.2% | ||
| Q1 25 | 2.3% | 0.1% | ||
| Q4 24 | 3.4% | 0.9% | ||
| Q3 24 | 0.8% | 1.5% | ||
| Q2 24 | 0.4% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 3.82× | 12.13× | ||
| Q3 25 | 0.23× | -0.79× | ||
| Q2 25 | 1.48× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 3.61× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 2.60× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
JMSB
| Net Interest Income | $16.5M | 98% |
| Noninterest Income | $284.0K | 2% |
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
