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Jefferson Security Bank (JFWV)
OTHER OTC:JFWV
US Market
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Jefferson Security Bank (JFWV) AI Stock Analysis

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JFWV

Jefferson Security Bank

(OTC:JFWV)

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Neutral 68 (OpenAI - 4o)
Rating:68Neutral
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 (JFWV) vs. SPDR S&P 500 ETF (SPY)

Jefferson Security Bank Business Overview & Revenue Model

Company DescriptionJSB 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 MoneyJefferson 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
80
Positive
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
70
Positive
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
75
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue16.60M20.68M17.45M13.31M14.48M
Gross Profit16.60M14.01M14.67M12.94M14.48M
EBITDA0.004.09M5.12M4.86M3.58M
Net Income4.10M3.04B3.86M3.58M2.88M
Balance Sheet
Total Assets536.91M500.64B462.01M426.78M381.68M
Cash, Cash Equivalents and Short-Term Investments26.94M9.25B4.28M15.95M12.56M
Total Debt7.94M46.12M21.40M0.00338.63K
Total Liabilities506.87M475.69B439.50M393.83M350.68M
Stockholders Equity30.04M24.96B22.51M32.96M31.00M
Cash Flow
Free Cash Flow5.40M3.96M4.58M4.51M3.85M
Operating Cash Flow5.67M4.17M4.96M4.70M4.22M
Investing Cash Flow-17.80M-32.97B-61.50M-44.39M-47.02M
Financing Cash Flow29.81M33.77B44.87M43.08M51.60M

Jefferson Security Bank Technical Analysis

Technical Analysis Sentiment
Negative
Last Price102.50
Price Trends
50DMA
106.15
Negative
100DMA
104.39
Negative
200DMA
102.61
Negative
Market Momentum
MACD
-1.98
Positive
RSI
13.09
Positive
STOCH
33.33
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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
$38.77M5.518.93%3.36%7.07%96.65%
69
Neutral
$43.12M11.167.20%3.72%-2.93%7.89%
68
Neutral
$30.75M6.0211.44%2.54%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
52
Neutral
$31.54M174.890.38%3.03%19.55%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JFWV
Jefferson Security Bank
93.00
13.07
16.35%
CARV
Carver Bancorp
2.75
1.06
62.72%
HFBL
Home Federal Bancorp Of Louisiana
14.14
1.83
14.87%
KFFB
Kentucky First Federal Bancorp
4.00
0.99
32.89%
BAFN
BayFirst Financial Corp
9.66
-3.15
-24.59%
MBBC
Marathon Bancorp
10.53
3.88
58.35%
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.Date of analysis: Jan 23, 2025