JFWV Stock Overview

Operates as the bank holding company for Jefferson Security Bank that provides various banking products and services. More details

JFWV fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	3/6

Rewards

Trading at 50.5% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($23M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

JSB Financial Inc. Competitors

Community Bancorp of Santa Maria

OTCPK:CYSM

US$23.7m

First Sound Bank

OTCPK:FSWA

US$21.5m

Security Bancorp

OTCPK:SCYT

US$25.8m

Elmer Bancorp

OTCPK:ELMA

US$24.9m

Price History & Performance

Summary of share price highs, lows and changes for JSB Financial
Historical stock prices
Current Share Price	US$90.00
52 Week High	US$90.00
52 Week Low	US$72.16
Beta	0.51
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-10.00%
5 Year Change	-2.17%
Change since IPO	60.71%

Recent updates

Shareholder Returns

	JFWV	US Banks	US Market
7D	0%	-3.4%	-2.2%
1Y	n/a	29.3%	23.9%

Return vs Industry: Insufficient data to determine how JFWV performed against the US Banks industry.

Return vs Market: Insufficient data to determine how JFWV performed against the US Market.

Price Volatility

Is JFWV's price volatile compared to industry and market?
JFWV volatility
JFWV Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: JFWV's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1869	n/a	Cindy Kitner	www.jsb.bank

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft and sweep protection, and certificates of deposit, as well as cash management solutions. The company’s loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans, as well as loans to small businesses.

JSB Financial Inc. Fundamentals Summary

How do JSB Financial's earnings and revenue compare to its market cap?
JFWV fundamental statistics
Market cap	US$23.17m
Earnings (TTM)	US$3.04m
Revenue (TTM)	US$14.35m

7.6x

P/E Ratio

0.9x

P/B Ratio

Is JFWV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
JFWV income statement (TTM)
Revenue	US$14.35m
Cost of Revenue	US$0
Gross Profit	US$14.35m
Other Expenses	US$11.31m
Earnings	US$3.04m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	11.79
Gross Margin	100.00%
Net Profit Margin	21.17%
Debt/Equity Ratio	184.8%

How did JFWV perform over the long term?

See historical performance and comparison

Dividends

2.7%

Current Dividend Yield

21%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/11/19 02:37
End of Day Share Price	2024/08/22 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

JSB Financial 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.

Analyst	Institution

JSB Financial OTCPK:JFWV Stock Report