Jefferson Security Bank (JFWV) AI Stock Analysis

• Market Cap: $33.47M
• Dividend Yield: 2.31%
• Average Volume (3M): 93.00
• Price to Earnings (P/E): 6.1
• Beta (1Y): 0.04
• Revenue Growth: 21.77%
• EPS Growth: 9.80%
• Country: US
• Employees: 82
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 4.40
• Shares Outstanding: 257,483
• 10 Day Avg. Volume: 148
• 30 Day Avg. Volume: 93
• PEG Ratio: 4.41
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 1.25
• P/FCF Ratio: 8.52
• Enterprise Value/Market Cap: <0.01
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $143.00 ▲(6.72% Upside)
• Action: Reiterated
• Date: 08/04/26

Positive Factors

Revenue Growth

Sustained multi-year revenue growth, including positive 2025 expansion, indicates the franchise is still expanding underlying customer or loan volumes. Over 2–6 months this durable top-line momentum supports operating leverage, diversification of income and the ability to fund reinvestment or maintain payouts.

Negative Factors

Margin Compression

A multi-year decline from prior margin highs implies competitive pressure, mix shift or cost escalation that reduces long-term profitability headroom. If structural, compressed margins limit the bank's ability to absorb shocks, sustain ROE and support long-term dividend or reinvestment plans.

Jefferson Security Bank Business Overview & Revenue Model

Company Description

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 servic...

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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 servic...

How the Company Makes Money

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Jefferson Security Bank Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	7.38M	28.50M	27.57M	21.31M	14.56M	13.31M
Gross Profit	4.98M	18.10M	16.60M	14.35M	14.56M	13.31M
EBITDA	2.58M	5.99M	5.55M	4.09M	5.12M	4.86M
Net Income	2.58M	5.60M	4.10M	3.04M	3.86M	3.58M
Balance Sheet
Total Assets	0.00	563.73M	536.91M	500.64M	462.01M	426.78M
Cash, Cash Equivalents and Short-Term Investments	0.00	3.49M	26.94M	9.25B	4.28M	15.95M
Total Debt	0.00	2.08M	7.94M	46.12M	21.40M	0.00
Total Liabilities	-36.76M	526.97M	506.87M	475.69M	439.50M	393.83M
Stockholders Equity	36.76M	36.76M	30.04M	24.96M	22.51M	32.96M
Cash Flow
Free Cash Flow	0.00	4.18M	5.40M	3.96M	4.58M	4.51M
Operating Cash Flow	0.00	4.38M	5.67M	4.17M	4.96M	4.70M
Investing Cash Flow	0.00	-18.13M	-17.80M	-32.97M	-61.50M	-44.39M
Financing Cash Flow	0.00	17.72M	29.81M	33.77M	44.87M	43.08M

Jefferson Security Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	76 Outperform	$79.07M	12.74	10.69%	2.14%	7.71%	60.72%
JFWV	74 Outperform	$33.47M	6.13	23.50%	2.31%	21.77%	9.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	57 Neutral	$49.41M	25.90	3.86%	0.82%	8.66%	958.30%
BAFN	42 Neutral	$183.35M	-0.46	-63.67%	124.80%	-35.76%	-909.39%