Jefferson Security Bank (JFWV) AI Stock Analysis

• Market Cap: $30.75M
• Dividend Yield: 2.54%
• Average Volume (3M): 3.00
• Price to Earnings (P/E): 6.0
• Beta (1Y): 0.02
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 300,000
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 3
• PEG Ratio: 0.13
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 1.42
• P/FCF Ratio: 4.21
• Enterprise Value/Market Cap: 1.18
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ―

Jefferson Security Bank's overall stock score of 68 reflects its strong financial foundation and low valuation, offset by technical indicators suggesting short-term caution. The company's high profitability and efficient cash generation are significant strengths, while the low P/E ratio and dividend yield present an attractive valuation. However, the mixed technical signals and potential operational volatility temper the overall outlook.

Jefferson Security Bank Business Overview & Revenue Model

Company Description

JSB Financial Inc. is a holding company incorporated in West Virginia on July 31, 2023. The Company through its wholly owned subsidiary, Jefferson Security Bank (the "Bank") provides general banking services in Jefferson County and Berkeley County, West Virginia, Washington County, Maryland and the surrounding areas. Jefferson Security Bank is a West Virginia state-chartered bank that was formed and opened for business on May 19, 1869, making it the oldest operating corporation and bank in the state of West Virginia. The Bank serves individuals, businesses, local municipalities, community organizations and entrepreneurial efforts within its target markets. JFI also owns JSB Financial Services, LLC, an inactive subsidiary previously used for offering financial services.

How the Company Makes Money

Jefferson Security Bank generates revenue through various streams, primarily from interest income on loans and mortgages offered to individuals and businesses. Additionally, the bank earns money from fees associated with account maintenance, transaction services, and financial advisory services. Non-interest income is also derived from investment services and certain banking fees. Partnerships with local businesses and community organizations further enhance its revenue generation by expanding its client base and service offerings.

Jefferson Security Bank Financial Statement Overview

Summary

Jefferson Security Bank demonstrates strong financial health with high profitability and low leverage. The company efficiently generates cash flow, though some fluctuations in revenue and cash flow metrics suggest operational volatility. Overall, the financials present a solid foundation with room for growth in shareholder returns.

Income Statement

Jefferson Security Bank shows strong profitability with a high Net Profit Margin of 21.67% in 2023. The Gross Profit Margin is modest at 0.09%, but the EBIT Margin is a robust 38.17%, indicating efficient operations. Revenue shows significant growth, though year-on-year comparisons are challenging due to scale differences in revenue figures.

Balance Sheet

The company's balance sheet is stable with a low Debt-to-Equity Ratio of 0.002, indicating low leverage. The Equity Ratio stands at 4.98%, reflecting a conservative capital structure. However, a relatively low Return on Equity of 12.17% suggests room for improvement in shareholder returns.

Cash Flow

The cash flow statement highlights a strong Operating Cash Flow to Net Income Ratio of 1.37, indicating efficient cash generation relative to net income. Free Cash Flow growth is substantial, enhancing liquidity and operational flexibility. However, the volatility in cash flow metrics over the years suggests potential fluctuation risks.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	16.60M	20.68M	17.45M	13.31M	14.48M
Gross Profit	16.60M	14.01M	14.67M	12.94M	14.48M
EBITDA	0.00	4.09M	5.12M	4.86M	3.58M
Net Income	4.10M	3.04B	3.86M	3.58M	2.88M
Balance Sheet
Total Assets	536.91M	500.64B	462.01M	426.78M	381.68M
Cash, Cash Equivalents and Short-Term Investments	26.94M	9.25B	4.28M	15.95M	12.56M
Total Debt	7.94M	46.12M	21.40M	0.00	338.63K
Total Liabilities	506.87M	475.69B	439.50M	393.83M	350.68M
Stockholders Equity	30.04M	24.96B	22.51M	32.96M	31.00M
Cash Flow
Free Cash Flow	5.40M	3.96M	4.58M	4.51M	3.85M
Operating Cash Flow	5.67M	4.17M	4.96M	4.70M	4.22M
Investing Cash Flow	-17.80M	-32.97B	-61.50M	-44.39M	-47.02M
Financing Cash Flow	29.81M	33.77B	44.87M	43.08M	51.60M

Jefferson Security Bank Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 102.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFWV, the sentiment is Negative. The current price of 102.5 is above the 20-day moving average (MA) of 102.02, below the 50-day MA of 106.15, and below the 200-day MA of 102.61, indicating a bearish trend. The MACD of -1.98 indicates Positive momentum. The RSI at 13.09 is Positive, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JFWV.

Jefferson Security Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BAFN	72 Outperform	$38.77M	5.51	8.93%	3.36%	7.07%	96.65%
HFBL	69 Neutral	$43.12M	11.16	7.20%	3.72%	-2.93%	7.89%
JFWV	68 Neutral	$30.75M	6.02	11.44%	2.54%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	52 Neutral	$31.54M	174.89	0.38%	3.03%	19.55%	―