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JD Bancshares
(OTC:JDVB)
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Rating:73Outperform
Price Target:
$40.00
â–²(10.31% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by stable fundamentals with improved leverage, offset by weaker 2025 cash generation and some margin/net income softening. Technicals are constructive but look overbought, while low valuation and a solid dividend yield provide a meaningful support.
Positive Factors
Improved Balance Sheet Leverage
A materially lower debt-to-equity reduces solvency and regulatory risk and increases capital flexibility. This stronger capital position supports lending capacity and loss-absorption, enabling steadier credit growth and more resilience through economic cycles over the next 2–6 months.
Negative Factors
Sharp Free Cash Flow Decline
A large fall in FCF reduces internal funding for loan growth, branch investments, or buybacks. Lower cash generation limits strategic optionality, heightens reliance on deposit funding or capital markets, and constrains flexibility to sustain dividends if trends persist.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Balance Sheet Leverage
A materially lower debt-to-equity reduces solvency and regulatory risk and increases capital flexibility. This stronger capital position supports lending capacity and loss-absorption, enabling steadier credit growth and more resilience through economic cycles over the next 2–6 months.
Read all positive factors
JD Bancshares (JDVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$125.02M
Dividend Yield3.54%
Average Volume (3M)690.00
Price to Earnings (P/E)8.9
Beta (1Y)0.08
Revenue Growth5.45%
EPS Growth4.31%
CountryUS
Employees250
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.88
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 the traditional community banking model operated via its bank subsidiary. Key revenue streams typically include: (1) Net interest income: interest earned on loans and other interest-earning assets (such ...
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 | 73.67M | 71.43M | 68.81M | 55.87M | 56.18M | 53.24M |
| Gross Profit | 58.88M | 56.79M | 55.64M | 46.39M | 51.50M | 48.38M |
| EBITDA | 16.33M | 15.74M | 18.30M | 9.66M | 16.56M | 15.39M |
| Net Income | 13.31M | 12.86M | 13.63M | 6.58M | 12.10M | 11.01M |
Balance Sheet | ||||||
| Total Assets | 1.26B | 1.26B | 1.20B | 1.19B | 1.24B | 1.36B |
| Cash, Cash Equivalents and Short-Term Investments | 24.51M | 72.34M | 398.51M | 74.54M | 489.90M | 666.06M |
| Total Debt | 29.94M | 29.87M | 79.82M | 79.59M | 29.76M | 47.20M |
| Total Liabilities | 1.15B | 1.16B | 1.11B | 1.11B | 1.18B | 1.26B |
| Stockholders Equity | 107.54M | 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
36.26
Price Trends
35.35
Positive
34.04
Positive
32.15
Positive
Market Momentum
0.30
Negative
71.86
Negative
43.62
Neutral
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 36.26 is above the 20-day moving average (MA) of 35.81, above the 50-day MA of 35.35, and above the 200-day MA of 32.15, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 71.86 is Negative, neither overbought nor oversold. The STOCH value of 43.62 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $91.35M | 10.85 | 9.30% | 4.06% | -1.67% | 26.05% | |
75 Outperform | $135.00M | 15.33 | 6.50% | 2.09% | 5.96% | 48.76% | |
73 Outperform | $125.02M | 8.89 | 13.08% | 3.54% | 5.45% | 4.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $102.29M | -74.32 | -1.08% | 2.50% | -7.07% | 151.23% |
* Financial Sector Average
JDVB
JD Bancshares
36.26
10.89
42.93%
AUBN
Auburn National Bancorporation
26.40
0.04
0.16%
LSBK
Lake Shore Bancorp
17.15
5.12
42.61%
PBHC
Pathfinder Bancorp
16.53
2.49
17.71%
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.