OTCPK:JFWV

Stock Analysis Report

Jefferson Security Bank

Executive Summary

Jefferson Security Bank provides various banking products and services to individuals, agricultural and commercial businesses, local government entities, and non-profit organizations.

Snowflake

Fundamentals

Not a dividend payer with weak fundamentals.

Risks

  • Jefferson Security Bank's last earnings update was 521 days ago.
  • Jefferson Security Bank is not covered by any analysts.

Similar Companies

Share Price & News

How has Jefferson Security Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:JFWV

-1.8%

US Banks

-1.6%

US Market


1 Year Return

n/a

OTCPK:JFWV

-16.1%

US Banks

-3.0%

US Market

No trading data on JFWV.

No trading data on JFWV.


Share holder returns

JFWVIndustryMarket
7 Day0%-1.8%-1.6%
30 Day0.3%-10.1%-5.7%
90 Dayn/a-5.0%0.2%
1 Yearn/a-13.7%-16.1%-0.8%-3.0%
3 Year42.2%33.8%37.9%28.5%38.1%29.1%
5 Year41.7%29.9%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Jefferson Security Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Jefferson Security Bank undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Jefferson Security Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Jefferson Security Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for Jefferson Security Bank, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Jefferson Security Bank, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Jefferson Security Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Jefferson Security Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of JFWV’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Jefferson Security Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Jefferson Security Bank performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Jefferson Security Bank has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Jefferson Security Bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Unable to establish if Jefferson Security Bank has an acceptable proportion of non-loan assets without balance sheet data.

Unable to establish if Jefferson Security Bank has a sufficient allowance for bad loans without relevant financial data.

Unable to establish if Jefferson Security Bank's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.

Unable to establish if Jefferson Security Bank's level of assets compared to its equity is high without balance sheet data.

Jefferson Security Bank reports no customer deposits, loans are made up entirely of borrowed funds.

Unable to establish if Jefferson Security Bank has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Jefferson Security Bank's current dividend yield, its reliability and sustainability?

1.93%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Jefferson Security Bank before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Jefferson Security Bank's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Jefferson Security Bank's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Jefferson Security Bank has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Jefferson Security Bank's salary, the management and board of directors tenure and is there insider trading?

2.9yrs

Average management tenure


CEO

Cindy Kitner (42yo)

3.4yrs

Tenure

US$127,178

Compensation

Mrs. Cynthia A. Kitner, also known as Cindy, CPA has been the Chief Executive Officer and President of Jefferson Security Bank since March 16, 2016 and served as its Chief Financial Officer since April 200 ...


Management Age and Tenure

2.9yrs

Average Tenure

57yo

Average Age

The tenure for the Jefferson Security Bank management team is about average.


Board Age and Tenure

2.6yrs

Average Tenure

57.5yo

Average Age

The average tenure for the Jefferson Security Bank board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Monica Lingenfelter (65yo)

    Corporate Secretary & Director

    • Tenure: 16.3yrs
    • Compensation: US$16.50k
  • Cindy Kitner (42yo)

    President

    • Tenure: 3.4yrs
    • Compensation: US$127.18k
  • Jeff Keller (57yo)

    Executive Vice President of Lending

    • Tenure: 7.6yrs
  • Joe Hronesz

    Senior VP of Operations & Security Officer

    • Tenure: 1.5yrs
  • Jenna Kesecker

    Executive VP & CFO

    • Tenure: 3.6yrs
  • Dustin Branner

    Senior VP & Commercial Loan Officer

    • Tenure: 2.3yrs
  • Sara Wasson

    Director of Marketing & Community Relations

    • Tenure: 1.4yrs

Board Members

  • Eric Lewis (46yo)

    Vice Chairman of the Board

    • Tenure: 2.6yrs
    • Compensation: US$12.00k
  • R. McMillan

    Director

    • Tenure: 3.3yrs
  • Suellen Myers (70yo)

    Director

    • Tenure: 15.3yrs
    • Compensation: US$12.00k
  • Monica Lingenfelter (65yo)

    Corporate Secretary & Director

    • Tenure: 16.3yrs
    • Compensation: US$16.50k
  • Frederick Parsons (50yo)

    Chairman of the Board

    • Tenure: 2.6yrs
    • Compensation: US$12.00k
  • Cindy Kitner (42yo)

    President

    • Tenure: 3.4yrs
    • Compensation: US$127.18k
  • Denny Barron (66yo)

    Director

    • Tenure: 1.6yrs
    • Compensation: US$110.12k
  • Christian Asam

    Director

    • Tenure: 2.3yrs
  • Brant Lowe

    Director

    • Tenure: 2.3yrs

Company Information

Jefferson Security Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Jefferson Security Bank
  • Ticker: JFWV
  • Exchange: OTCPK
  • Founded: 1869
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$24.922m
  • Shares outstanding: 282.25k
  • Website: https://www.jsb.bank

Location

  • Jefferson Security Bank
  • 105 East Washington Street
  • PO Box 35
  • Shepherdstown
  • West Virginia
  • 25443
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
JFWVOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 2003

Biography

Jefferson Security Bank provides various banking products and services to individuals, agricultural and commercial businesses, local government entities, and non-profit organizations. The company accepts v ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:53
End of Day Share Price2019/08/13 00:00
Earnings2017/12/31
Annual Earnings2017/12/31


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 here.