Want to see JFBC full AI Analyst Report?
Jeffersonville Bancorp (JFBC) AI Stock Analysis
Jeffersonville Bancorp
(Other OTC:JFBC)
JFBC earns a strong score driven primarily by its attractive valuation (P/E of 7.67 with a 4.07% dividend yield) and robust financial performance, including zero debt, expanding margins, and more than doubled net income over five years. The balance sheet is exceptionally clean with strong capitalization, and cash flow generation closely tracks earnings, indicating high earnings quality. Technical indicators confirm a healthy uptrend with the stock trading above all major moving averages, though the extremely overbought stochastic reading introduces near-term pullback risk. The very low beta provides stability but limits broader market participation. Overall, JFBC presents as a well-managed, conservatively run regional bank offering solid value and income at current levels, with the primary risk being potential short-term price consolidation after its recent run-up.
Jeffersonville Bancorp (JFBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $122.12M
- Dividend Yield
- 4.12%
- Average Volume (3M)
- 2,237
- Price to Earnings (P/E)
- 12.3
- Beta (1Y)
- 0.10
- Revenue Growth
- -22.46%
- EPS Growth
- -15.94%
- Country
- US
- Employees
- 79
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 muni...
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 no...
Jeffersonville Bancorp Financial Statement Overview
Summary
Jeffersonville Bancorp demonstrates excellent financial fundamentals. Revenue grew ~54% over five years to $34.2M, net income more than doubled to $12.6M, and net profit margins expanded to ~36.7%. The balance sheet is a standout with zero debt, $105.1M in stockholders' equity, and a healthy ~12% ROE. Cash flow generation has tripled to $14.2M in operating cash flow with minimal capex needs. The only minor concerns are a modest decline in total assets from peak levels and somewhat uneven year-to-year revenue growth. Overall, this is a conservatively managed, highly profitable regional bank with improving metrics across all three financial statements.
Income Statement
78PositiveBalance Sheet
82Very PositiveCash Flow
72Positive| 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 | 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 | 13.27M | 11.73M | 11.56M | 9.87M | 7.95M |
| Operating Cash Flow | 0 | 14.18M | 12.55M | 12.38M | 10.28M | 8.08M |
| Investing Cash Flow | 0 | -27.19M | 41.81M | 13.57M | -93.90M | -45.64M |
| Financing Cash Flow | 0 | 20.52M | -72.00M | -20.49M | -4.77M | 81.22M |
Jeffersonville Bancorp Technical Analysis
Price Trends
Market Momentum
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 29.16 is above the 20-day moving average (MA) of 28.68, above the 50-day MA of 27.97, and above the 200-day MA of 26.56, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 60.63 is Neutral, neither overbought nor oversold. The STOCH value of 60.42 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
Overall Rating
AUBN77Outperform- JFBC77Outperform
LSBK75Outperform
PBHC58Neutral
Financial Indicators
| 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% |
| JFBC | 77Outperform | $123.47M | 12.31 | 9.38% | 4.12% | -22.46% | -15.94% |
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| 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
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JFBC | Jeffersonville | 29.16 | 8.26 | 39.52% | |
| 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% |
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: Aug 04, 2026