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Jeffersonville Bancorp
(OTC:JFBC)
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Rating:80Outperform
Price Target:
$32.00
â–²(17.13% Upside)
Action:Reiterated
Date:08/04/26
Overall score is driven primarily by strong financial performance (steady growth, high profitability, improving cash flow, and conservative leverage) and favorable valuation (low P/E and solid dividend yield). Offsetting these positives, technical indicators suggest weak-to-neutral near-term momentum with the price slightly below key short-term moving averages and a slightly negative MACD.
Positive Factors
Steady revenue growth with high margins
Sustained top-line expansion alongside consistently mid-30% net margins signals stable core profitability and scalable lending/fee businesses. This combination supports durable earnings power, funds reinvestment and dividends, and makes multi-quarter earnings projections more reliable.
Negative Factors
Large swings in reported debt levels
Material year-to-year changes in reported debt complicate balance-sheet trend analysis and raise questions about one-off financing, securitizations, or reclassifications. This makes assessing ongoing funding cost exposure and future liquidity needs less certain for the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth with high margins
Sustained top-line expansion alongside consistently mid-30% net margins signals stable core profitability and scalable lending/fee businesses. This combination supports durable earnings power, funds reinvestment and dividends, and makes multi-quarter earnings projections more reliable.
Read all positive factors
Jeffersonville Bancorp (JFBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$115.87M
Dividend Yield4.38%
Average Volume (3M)924.00
Price to Earnings (P/E)11.7
Beta (1Y)0.04
Revenue Growth-22.46%
EPS Growth-15.94%
CountryUS
Employees79
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.78
Shares Outstanding4,235,000
10 Day Avg. Volume1,014
30 Day Avg. Volume924
Financial Highlights & Ratios
PEG Ratio0.74
Price to Book (P/B)0.92
Price to Sales (P/S)2.81
P/FCF Ratio7.26
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
Jeffersonville Bancorp Business Overview & Revenue Model
Company Description
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 m...
How the Company Makes Money
JFBC primarily makes money through its banking subsidiary by (1) earning net interest income—the spread between interest earned on loans and interest-bearing securities and the interest paid on deposits and other funding sources—and (2) generating...
Jeffersonville Bancorp Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.13M | 34.22M | 30.84M | 30.09M | 27.45M | 23.27M |
| Gross Profit | 31.27M | 32.59M | 30.84M | 30.09M | 26.64M | 22.46M |
| EBITDA | 14.81M | 15.84M | 14.87M | 14.64M | 12.04M | 7.79M |
| Net Income | 11.75M | 12.55M | 11.33M | 11.18M | 9.30M | 5.94M |
Balance Sheet | ||||||
| Total Assets | 664.38M | 668.64M | 629.25M | 687.93M | 693.03M | 704.87M |
| Cash, Cash Equivalents and Short-Term Investments | 263.98M | 72.07M | 64.57M | 149.78M | 143.23M | 370.42M |
| Total Debt | 0.00 | 2.78M | 263.00K | 25.35M | 427.00K | 501.00K |
| Total Liabilities | 567.87M | 563.59M | 538.08M | 607.16M | 624.25M | 625.79M |
| Stockholders Equity | 96.52M | 105.05M | 91.17M | 80.77M | 68.78M | 79.07M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 13.27M | 11.73M | 11.56M | 9.87M | 7.95M |
| Operating Cash Flow | 0.00 | 14.18M | 12.55M | 12.38M | 10.28M | 8.08M |
| Investing Cash Flow | 0.00 | -27.19M | 41.81M | 13.57M | -93.90M | -45.64M |
| Financing Cash Flow | 0.00 | 20.52M | -72.00M | -20.49M | -4.77M | 81.22M |
Jeffersonville Bancorp Technical Analysis
Positive
27.32
Price Trends
27.45
Negative
27.40
Negative
25.35
Positive
Market Momentum
-0.06
Negative
51.40
Neutral
40.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFBC, the sentiment is Positive. The current price of 27.32 is above the 20-day moving average (MA) of 27.28, below the 50-day MA of 27.45, and above the 200-day MA of 25.35, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 51.40 is Neutral, neither overbought nor oversold. The STOCH value of 40.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JFBC.
Jeffersonville Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $115.87M | 11.68 | 9.38% | 4.13% | -22.46% | -15.94% | |
77 Outperform | $91.71M | 11.02 | 9.10% | 4.06% | 4.58% | 26.05% | |
76 Outperform | $134.85M | 15.34 | 6.50% | 2.09% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $102.47M | -25.46 | -1.08% | 2.50% | -7.07% | -307.72% |
* Financial Sector Average
JFBC
Jeffersonville Bancorp
27.37
6.52
31.29%
AUBN
Auburn National Bancorporation
26.72
1.98
8.00%
LSBK
Lake Shore Bancorp
17.18
4.05
30.85%
PBHC
Pathfinder Bancorp
16.11
1.59
10.95%
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.