Is JMSB or LOB more undervalued in 2026?

CirclFi compares John Marshall Bancorp, Inc. (JMSB) and Live Oak Bancshares, Inc. (LOB) using 13 institutional-grade valuation models. JMSB has a Quality of Company score of 8.4/10 while LOB scores 9.4/10.

Which is a better buy — JMSB or LOB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do JMSB and LOB valuations compare?

JMSB at $21.22 and LOB at $37.62 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JMSB vs LOB Valuation Comparison 2026 — Intrinsic Value Analysis

JMSB

Banks - Regional

John Marshall Bancorp, Inc.

Quality

8.4

out of 10

Value Trap

SAFE

Price

$21.22

Last close

Models

11/13

Active

LOB

Banks - Regional

Live Oak Bancshares, Inc.

Quality

9.4

out of 10

Value Trap

SAFE

Price

$37.62

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	JMSB Fair Value	JMSB Upside	LOB Fair Value	LOB Upside
Bayesian DCF	Intrinsic	$12.85	-39.5%	$36.46	-3.1%
Earnings Power Value	Intrinsic	$16.00	-24.6%	$42.79	+13.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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JMSB vs LOB — Which Stock Is More Undervalued?

LOB scores higher with a 9.4/10 quality rating vs JMSB's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing John Marshall Bancorp, Inc. (JMSB) and Live Oak Bancshares, Inc. (LOB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

JMSB currently trades at $21.22 with a QOC of 8.4/10, while LOB trades at $37.62 with a QOC of 9.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).