JD Bancshares AI Stock Analysis
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JD Bancshares (JDVB) AI Stock Analysis
JD Bancshares
(Other OTC:JDVB)
The score is driven primarily by stable financials with a materially stronger balance sheet (lower leverage) but weaker recent cash generation and slightly softer profitability. Technicals are supportive due to a strong uptrend versus moving averages, though overbought readings (RSI/Stoch) temper the outlook. Valuation is reasonable with a modest dividend and mid-low P/E.
JD Bancshares (JDVB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $150.47M
- Dividend Yield
- 2.84%
- Average Volume (3M)
- 1,859
- Price to Earnings (P/E)
- 11.4
- Beta (1Y)
- 0.02
- Revenue Growth
- 6.16%
- EPS Growth
- 2.94%
- Country
- US
- Employees
- 250
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
JD Bancshares Business Overview & Revenue Model
Company Description
Operating primarily across Southwest Louisiana, JD Bancshares, Inc., founded in 1946 and headquartered in Jennings, Louisiana, delivers a wide array of financial products and services to both individual consumers and corporate entities. The company's...
JD Bancshares Financial Statement Overview
Summary
Fundamentals are stable but mixed: leverage improved sharply (debt-to-equity ~0.29 in 2025 vs ~0.97 in 2024), supporting balance-sheet strength, while profitability remains solid (2025 net margin ~18%, operating margin ~22%). Offsetting this, net income and margins stepped down versus 2024 and free cash flow fell materially (~$5.1M vs ~$14.6M), indicating weaker near-term cash generation and cash conversion.
Income Statement
74PositiveBalance Sheet
78PositiveCash Flow
63Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 74.78M | 71.43M | 68.81M | 55.87M | 56.18M | 53.24M |
| Gross Profit | 59.63M | 56.79M | 55.64M | 46.39M | 51.50M | 48.38M |
| EBITDA | 16.20M | 15.74M | 18.30M | 9.66M | 16.56M | 15.39M |
| Net Income | 13.20M | 12.86M | 13.63M | 6.58M | 12.10M | 11.01M |
Balance Sheet | ||||||
| Total Assets | 1.24B | 1.26B | 1.20B | 1.19B | 1.24B | 1.36B |
| Cash, Cash Equivalents and Short-Term Investments | 23.14M | 72.34M | 398.51M | 74.54M | 489.90M | 666.06M |
| Total Debt | 29.98M | 29.87M | 79.82M | 79.59M | 29.76M | 47.20M |
| Total Liabilities | 1.14B | 1.16B | 1.11B | 1.11B | 1.18B | 1.26B |
| Stockholders Equity | 97.42M | 103.12M | 82.50M | 74.36M | 57.10M | 101.23M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 5.14M | 14.63M | 19.40M | 11.84M | 16.50M |
| Operating Cash Flow | 0 | 15.26M | 16.69M | 20.61M | 15.78M | 18.89M |
| Investing Cash Flow | 0 | -39.05M | -26.63M | 75.39M | -82.51M | -150.97M |
| Financing Cash Flow | 0 | 37.25M | -5.72M | -69.75M | -79.18M | 61.16M |
JD Bancshares Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JDVB, the sentiment is Neutral. The current price of 43.44 is below the 20-day moving average (MA) of 45.34, above the 50-day MA of 40.56, and above the 200-day MA of 35.51, indicating a neutral trend. The MACD of 0.93 indicates Positive momentum. The RSI at 50.09 is Neutral, neither overbought nor oversold. The STOCH value of 9.40 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JDVB.
JD Bancshares Peers Comparison
Overall Rating
LSBK79Outperform
AUBN73Outperform- JDVB72Outperform
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 79Outperform | $147.51M | 16.80 | 5.85% | 1.91% | 4.31% | 24.65% |
| AUBN | 73Outperform | $88.20M | 10.22 | 9.42% | 4.17% | 4.68% | 21.56% |
| JDVB | 72Outperform | $150.47M | 11.40 | 12.82% | 2.84% | 6.16% | 2.94% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $105.17M | -41.15 | 0.08% | 2.45% | -6.61% | -78.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JDVB | Jd Bancshares, Inc. | 43.44 | 14.45 | 49.85% | |
| AUBN | Auburn National Bancorporation | 25.93 | 1.78 | 7.36% | |
| LSBK | Lake Shore Bancorp | 18.99 | 5.05 | 36.28% | |
| PBHC | Pathfinder | 16.70 | 2.24 | 15.49% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 22, 2026