Jeffersonville Bancorp (JFBC)

OTHER OTC:JFBC

JFBC

Jeffersonville Bancorp

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Jeffersonville Bancorp (JFBC) Price & Analysis

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JFBC Stock Chart & Stats

$22.12

$0.34(1.74%)

At close: Jan 08 4:00 PM EST

$22.12

$0.34(1.74%)

Day’s Range― - ―

52-Week Range$20.00 - $28.75

Previous CloseN/A

Volume246.00

Average Volume (3M)924.00

Market Cap

$118.58M

Enterprise Value$39.10M

Total Cash (Recent Filing)$263.98M

Total Debt (Recent Filing)$0.00

Price to Earnings (P/E)9.2

Beta0.05

Next Earnings

Aug 11, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.82%

Share Statistics

EPS (TTM)2.78

Shares Outstanding4,235,000

10 Day Avg. Volume1,014

30 Day Avg. Volume924

Financial Highlights & Ratios

PEG Ratio0.73

Price to Book (P/B)0.92

Price to Sales (P/S)2.81

P/FCF Ratio7.26

Enterprise Value/Market Cap0.33

Enterprise Value/Revenue1.22

Enterprise Value/Gross Profit1.25

Enterprise Value/Ebitda2.64

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

Bulls Say, Bears Say

Bulls Say

High And Sustainable Net MarginsConsistently mid-30% net margins across 2022–2025 indicate durable underwriting/pricing strength and operating efficiency for a regional bank. Such margins support internal capital generation, resilience to credit cycles, and sustained ability to fund dividends and reinvestment.

Improving Cash GenerationRising operating and free cash flow that closely tracks net income shows high-quality earnings and strong internal liquidity. This durable cash generation reduces reliance on external funding, supports capital deployment and dividend coverage, and improves long-term financial flexibility.

Conservative Leverage And Healthy ROEVery low reported leverage and meaningful equity growth, combined with mid-teens ROE, imply a strong capital base. This conservative balance-sheet stance reduces refinancing and interest-rate sensitivity, preserving lending capacity and strategic optionality over the medium term.

Bears Say

Large Swings In Total DebtMaterial swings in reported total debt across recent years weaken clarity on the credit profile and financing mix. If driven by one-offs or intra-year facilities, they complicate trend analysis and could mask episodic refinancing or liquidity timing risks over the medium term.

Earnings-quality Volatility (EBITDA V EBIT)A pronounced EBITDA versus EBIT divergence in 2024 suggests non-cash items or reclassifications that reduce comparability of operating performance. This can obscure the sustainability of earnings, complicate forecasting, and raise the risk of future headline volatility in reported profitability.

Limited Scale And Regional ConcentrationA small headcount and regional bank footprint imply constrained scale economies and geographic concentration. That structural limitation can restrict product diversification, margin expansion opportunities, and makes results more sensitive to local economic cycles versus larger, more diversified peers.

JFBC FAQ

What was Jeffersonville Bancorp’s price range in the past 12 months?

Jeffersonville Bancorp lowest stock price was $20.00 and its highest was $28.75 in the past 12 months.

What is Jeffersonville Bancorp’s market cap?

Jeffersonville Bancorp’s market cap is $118.58M.

When is Jeffersonville Bancorp’s upcoming earnings report date?

Jeffersonville Bancorp’s upcoming earnings report date is Aug 11, 2026 which is in 52 days.

How were Jeffersonville Bancorp’s earnings last quarter?

Jeffersonville Bancorp released its earnings results on May 12, 2026. The company reported $0.775 earnings per share for the quarter, beating the consensus estimate of N/A by $0.775.

Is Jeffersonville Bancorp overvalued?

According to Wall Street analysts Jeffersonville Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Jeffersonville Bancorp pay dividends?

Jeffersonville Bancorp pays a Notavailable dividend of $0.2 which represents an annual dividend yield of 4.82%. See more information on Jeffersonville Bancorp dividends here

What is Jeffersonville Bancorp’s EPS estimate?

Jeffersonville Bancorp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Jeffersonville Bancorp have?

Jeffersonville Bancorp has 4,235,000 shares outstanding.

What happened to Jeffersonville Bancorp’s price movement after its last earnings report?

Jeffersonville Bancorp reported an EPS of $0.775 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.357%.

Which hedge fund is a major shareholder of Jeffersonville Bancorp?

Currently, no hedge funds are holding shares in JFBC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Jeffersonville Bancorp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

12.84%

Trailing 12-Months

Asset Growth

3.16%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Jeffersonville Bancorp

Jeffersonville Bancorp functions as the parent entity for Jeff Bank, a financial institution dedicated to serving its local community. The bank extends a comprehensive suite of banking and financial services to individuals, small businesses, and municipal governments, primarily within Sullivan County, New York, with additional branch presence in Orange County. Its deposit product lineup features diverse options, including various checking, money market, savings, NOW, and retirement accounts, alongside both demand and time deposits. For personal financing, Jeff Bank offers loans for a range of needs such as vehicles (auto, RV, motorcycle, boat), home improvements, debt consolidation, and general credit. Business clients can access a broad spectrum of lending solutions, encompassing commercial real estate financing, lines of credit, short-term notes, installment loans, and credit for commercial vehicles, equipment, agricultural ventures, and construction projects. The company's mortgage offerings are extensive, covering residential properties, home equity lines of credit, construction loans, and financing for vacant land, manufactured homes, mobile homes, and seasonal residences. Beyond these, Jeff Bank provides credit and debit cards, business-specific services like electronic deposits/withdrawals and remote check deposits, and convenient online and mobile banking platforms. As of February 8, 2022, Jeffersonville Bancorp operated twelve full-service branches located across Sullivan and Orange Counties in New York. These branches are situated in Anawana Lake Road/Monticello, Eldred, Callicoon, Jeffersonville, Liberty, Livingston Manor, Loch Sheldrake, Monticello, Narrowsburg, Port Jervis, White Lake, and Wurtsboro. The company was founded in 1913 and is headquartered in Jeffersonville, New York.