JBTC Stock Overview

Operates as the bank holding company for Jonestown Bank and Trust Company that provides banking services in Pennsylvania. More details

JBTC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 51.8% below our estimate of its fair value

Earnings grew by 4.8% over the past year

Pays a reliable dividend of 4.14%

Risk Analysis

Does not have a meaningful market cap ($64M)

Community vs My Fair Value

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JBT Bancorp, Inc. Competitors

Cullman Bancorp

OTCPK:CULL

US$65.5m

Potomac Bancshares

OTCPK:PTBS

US$66.3m

Bank of Botetourt

OTCPK:BORT

US$64.8m

Community Heritage Financial

OTCPK:CMHF

US$71.6m

Price History & Performance

Summary of share price highs, lows and changes for JBT Bancorp
Historical stock prices
Current Share Price	US$26.11
52 Week High	US$30.00
52 Week Low	US$22.45
Beta	0.48
1 Month Change	-3.51%
3 Month Change	-12.24%
1 Year Change	7.67%
3 Year Change	-8.39%
5 Year Change	32.20%
Change since IPO	4.44%

Recent updates

Shareholder Returns

	JBTC	US Banks	US Market
7D	-5.1%	3.8%	2.8%
1Y	7.7%	16.8%	9.3%

Return vs Industry: JBTC underperformed the US Banks industry which returned 16.8% over the past year.

Return vs Market: JBTC underperformed the US Market which returned 9.3% over the past year.

Price Volatility

Is JBTC's price volatile compared to industry and market?
JBTC volatility
JBTC Average Weekly Movement	n/a
Banks Industry Average Movement	4.8%
Market Average Movement	7.9%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	4.2%

Stable Share Price: Data is not available.

Volatility Over Time: Insufficient data to determine JBTC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1873	n/a	Troy Peters	www.jbt.bank

JBT Bancorp, Inc. operates as the bank holding company for Jonestown Bank and Trust Company that provides banking services in Pennsylvania. It offers personal and business checking, and savings accounts. The company also provides personal and business loan; home mortgages; home equity line of credit; personal line of credit; credit builder loan; and personal, auto, student, and home equity loans.

JBT Bancorp, Inc. Fundamentals Summary

How do JBT Bancorp's earnings and revenue compare to its market cap?
JBTC fundamental statistics
Market cap	US$63.54m
Earnings (TTM)	US$7.94m
Revenue (TTM)	US$36.02m

8.0x

P/E Ratio

0.8x

P/B Ratio

Is JBTC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
JBTC income statement (TTM)
Revenue	US$36.02m
Cost of Revenue	US$0
Gross Profit	US$36.02m
Other Expenses	US$28.09m
Earnings	US$7.94m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	3.26
Gross Margin	100.00%
Net Profit Margin	22.03%
Debt/Equity Ratio	82.1%

How did JBTC perform over the long term?

See historical performance and comparison

Dividends

4.1%

Current Dividend Yield

32%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/05 17:15
End of Day Share Price	2025/05/02 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

JBT Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

JBT Bancorp OTCPK:JBTC Stock Report