Jefferson Security Bank stock analysis
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Jefferson Security Bank (JFWV) Stock Price & Analysis
JFWV Stock Chart & Stats
- Day’s Range
- $125.39 - $126.64
- 52-Week Range
- $101.00 - $143.00
- Previous Close
- $125.39
- Volume
- N/A
- Average Volume (3M)
- 107
- Market Cap
- $32.29M
- Enterprise Value
- $28.90M
- Total Cash (Recent Filing)
- $0
- Total Debt (Recent Filing)
- $0
- Price to Earnings (P/E)
- 6.1
- Beta
- 0.09
- Next Earnings
- Feb 05, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Aug 31, 2026
- Dividend Yield
- 2.39%
Bulls Say, Bears Say
Bulls Say
Revenue Growth
Sustained revenue expansion indicates that the bank has continued to deepen its business after the 2021 dip. Although the latest growth rate moderated, continued top-line progress supports recurring earning capacity and provides a foundation for future profitability over the next several quarters.
Profitability And ROE
Healthy profitability and a 15.2% return on equity show that the bank is generating meaningful earnings from its capital base. This supports internal capital formation, strengthens resilience, and gives management capacity to maintain operations and pursue measured growth without relying solely on external funding.
Improving Balance Sheet
Lower debt combined with a larger equity base improves financial flexibility and reduces the burden of leverage on future results. For a bank, this stronger capital position can support balance-sheet resilience and provide greater capacity to absorb operating volatility over the medium term.
Bears Say
Margin Compression
The decline from earlier peak margins indicates that some of the bank’s prior earnings efficiency has not been fully retained. If this pattern persists, slower margin expansion could constrain earnings growth even when revenue continues to rise, making future profitability more dependent on volume growth.
Free Cash Flow Decline
The 2025 free-cash-flow decline shows that cash conversion is not consistently tracking reported earnings. Continued variability could reduce the funds available for dividends, capital investment, or balance-sheet strengthening, and it makes medium-term financial planning less predictable despite positive cash flow overall.
Leverage Reporting Volatility
Volatile leverage readings make it harder to assess the stability of the bank’s financing profile and the durability of its balance-sheet improvement. This uncertainty can complicate capital planning and weakens confidence in comparisons of leverage and financial risk across reporting periods.
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Jefferson Security Bank Stock Smart Score
Company Description
Jefferson Security Bank
JSB Financial Inc. functions as a holding company, established in West Virginia on July 31, 2023. Its primary operations are conducted through its wholly-owned subsidiary, Jefferson Security Bank. This Bank offers a full spectrum of banking services within Jefferson and Berkeley Counties in West Virginia, Washington County in Maryland, and surrounding communities. Jefferson Security Bank, a state-chartered institution in West Virginia, commenced business on May 19, 1869, making it the state's longest continuously operating corporation and bank. It serves a varied client base, including individual customers, businesses, local government entities, community organizations, and aspiring entrepreneurs in its target markets. Furthermore, JSB Financial Inc. holds JSB Financial Services, LLC, a subsidiary that is currently dormant and previously offered financial services.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Cynthia A. Kitner
- Employees
- 82
- Website
- www.jsb.bank
- Address
- 105 East Washington Street, Shepherdstown, WV, 25443, US
Jefferson Security Bank (JFWV) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 5 | 9 |
| Technical Analysis | 2 | 5 | 3 |
| Moving Averages | 6 | 0 | 6 |

