JD Bancshares (JDVB)
OTHER OTC:JDVB
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JD Bancshares
(OTC:JDVB)
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Rating:72Outperform
Price Target:
$36.00
â–²(16.35% Upside)
Action:Reiterated
Date:04/12/26
The score is driven primarily by solid financial fundamentals with materially improved leverage, supported by attractive valuation (low P/E and healthy dividend yield). Offsetting factors include weaker 2025 cash generation/cash conversion and mildly bearish near-term technical momentum.
Positive Factors
Stronger balance sheet
A materially lower debt-to-equity ratio meaningfully reduces balance-sheet risk and interest burden, improving resilience to funding shocks. This stronger capital position supports lending capacity, regulatory flexibility and the ability to sustain dividends or absorb losses over the medium term.
Negative Factors
Sharply weaker free cash flow
A steep drop in free cash flow and much lower cash conversion reduces financial flexibility to fund organic growth, pay dividends, or repurchase shares without relying on earnings or external financing. Persistent cash volatility increases sensitivity to earnings shocks and constrains strategic options.
Read all positive and negative factors
Positive Factors
Negative Factors
Stronger balance sheet
A materially lower debt-to-equity ratio meaningfully reduces balance-sheet risk and interest burden, improving resilience to funding shocks. This stronger capital position supports lending capacity, regulatory flexibility and the ability to sustain dividends or absorb losses over the medium term.
Read all positive factors
JD Bancshares (JDVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$121.83M
Dividend Yield3.79%
Average Volume (3M)690.00
Price to Earnings (P/E)9.2
Beta (1Y)0.06
Revenue Growth5.17%
EPS Growth0.32%
CountryUS
Employees250
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.65
Shares Outstanding3,429,060
10 Day Avg. Volume296
30 Day Avg. Volume690
Financial Highlights & Ratios
PEG Ratio-1.49
Price to Book (P/B)1.03
Price to Sales (P/S)1.49
P/FCF Ratio20.73
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue1.74
Enterprise Value/Gross Profit2.21
Enterprise Value/Ebitda8.17
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 compan...
How the Company Makes Money
JD Bancshares primarily makes money through (1) net interest income and (2) noninterest income, while incurring (3) operating costs and (4) credit costs.
1) Net interest income (core earnings driver for community banks): The company earns interes...
JD Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 69.91M | 71.43M | 68.81M | 55.87M | 56.18M | 53.24M |
| Gross Profit | 55.24M | 56.79M | 55.64M | 46.39M | 51.50M | 48.38M |
| EBITDA | 14.92M | 15.74M | 18.30M | 9.66M | 16.56M | 15.39M |
| Net Income | 12.80M | 12.86M | 13.63M | 6.58M | 12.10M | 11.01M |
Balance Sheet | ||||||
| Total Assets | 1.21B | 1.26B | 1.20B | 1.19B | 1.24B | 1.36B |
| Cash, Cash Equivalents and Short-Term Investments | 30.87M | 72.34M | 398.51M | 74.54M | 489.90M | 666.06M |
| Total Debt | 72.80M | 29.87M | 79.82M | 79.59M | 29.76M | 47.20M |
| Total Liabilities | 1.12B | 1.16B | 1.11B | 1.11B | 1.18B | 1.26B |
| Stockholders Equity | 89.86M | 103.12M | 82.50M | 74.36M | 57.10M | 101.23M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 5.14M | 14.63M | 19.40M | 11.84M | 16.50M |
| Operating Cash Flow | 0.00 | 15.26M | 16.69M | 20.61M | 15.78M | 18.89M |
| Investing Cash Flow | 0.00 | -39.05M | -26.63M | 75.39M | -82.51M | -150.97M |
| Financing Cash Flow | 0.00 | 37.25M | -5.72M | -69.75M | -79.18M | 61.16M |
JD Bancshares Technical Analysis
Positive
30.94
Price Trends
33.27
Positive
32.89
Positive
30.42
Positive
Market Momentum
0.51
Negative
75.57
Negative
80.15
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JDVB, the sentiment is Positive. The current price of 30.94 is below the 20-day moving average (MA) of 34.06, below the 50-day MA of 33.27, and above the 200-day MA of 30.42, indicating a bullish trend. The MACD of 0.51 indicates Negative momentum. The RSI at 75.57 is Negative, neither overbought nor oversold. The STOCH value of 80.15 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JDVB.
JD Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $87.51M | 11.05 | 8.78% | 4.16% | 4.30% | 20.85% | |
73 Outperform | $122.67M | 14.40 | 6.30% | 2.12% | 6.16% | 68.02% | |
72 Outperform | $121.83M | 9.16 | 13.08% | 3.79% | 5.17% | 0.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
50 Neutral | $88.53M | -22.12 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
JDVB
JD Bancshares
35.53
10.65
42.83%
AUBN
Auburn National Bancorporation
25.05
4.34
20.93%
LSBK
Lake Shore Bancorp
15.84
4.55
40.24%
PBHC
Pathfinder Bancorp
14.15
-1.05
-6.94%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.