JD Bancshares (JDVB) AI Stock Analysis

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JD Bancshares

(Other OTC:JDVB)

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Rating:73Outperform

Price Target:$53.00▲(12.00% Upside)

Action:upgraded

Date:10/22/26

JDVB's score is supported primarily by improving profitability, stronger capital efficiency, reduced leverage, positive technical momentum, and reasonable valuation. Inconsistent free cash flow and elevated momentum indicators moderate the overall score.

Positive Factors

Balance Sheet StrengthThe sharp reduction in debt relative to equity strengthens JD Bancshares’ capital position and reduces balance-sheet risk. Greater financial flexibility can help the bank absorb operating pressure and continue supporting customers while preserving capacity for future investment and shareholder returns.

Negative Factors

Weaker Cash ConversionThe steep decline in free cash flow and reduced coverage of net income indicate weaker cash conversion in 2025. If sustained, this would limit internally generated flexibility for growth initiatives, dividends, buybacks, or other capital-allocation priorities.

JD Bancshares (JDVB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $162.02M
Dividend Yield: 2.60%
Average Volume (3M): 2,018
Price to Earnings (P/E): 12.3
Beta (1Y): -0.03
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

Revenue and profitability improved, with 2025 net margin at 18%, ROE at 12.5%, and lower leverage. Cash flow remained positive, but free cash flow conversion weakened and historical balance-sheet volatility limits the score.

Income Statement

72Positive

Balance Sheet

68Positive

Cash Flow

65Positive

Financial statement breakdown
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	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

Technical Analysis SentimentPositive

Last Price47.32

Price Trends

50DMA39.34Positive

100DMA37.46Positive

200DMA34.95Positive

Market Momentum

MACD2.65Negative

RSI67.76Neutral

STOCH53.12Neutral

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 47.32 is above the 20-day moving average (MA) of 43.05, above the 50-day MA of 39.34, and above the 200-day MA of 34.95, indicating a bullish trend. The MACD of 2.65 indicates Negative momentum. The RSI at 67.76 is Neutral, neither overbought nor oversold. The STOCH value of 53.12 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JDVB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	77Outperform	$90.59M	10.44	9.42%	4.15%	-1.64%	21.56%
LSBK	75Outperform	$145.41M	16.69	7.78%	1.93%	4.31%	24.16%
JDVB	73Outperform	$162.26M	12.27	12.82%	2.60%	6.16%	2.94%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	58Neutral	$106.74M	-26.87	-1.08%	2.39%	-7.07%	-307.72%

* Financial Sector Average

Performance Comparison

JDVB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JDVB	Jd Bancshares, Inc.	47.32	21.23	81.37%
AUBN	Auburn National Bancorporation	26.00	1.56	6.40%
LSBK	Lake Shore Bancorp	18.69	4.83	34.80%
PBHC	Pathfinder	17.00	2.32	15.77%

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.

Date of analysis: Oct 22, 2026

JD Bancshares AI Stock Analysis