JBT Bancorp Inc. (JBTC) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 7.56 means the share price is 7.56 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $98.6M is the value of all shares combined. Beta 0.71: the stock has moved about 29% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerJBT Bancorp Inc. (JBTC) trades at $40.50. JBT Bancorp Inc., founded in 1873, operates as the holding company for Jonestown Bank and Trust Company, providing a range of banking services in Pennsylvania. Market cap: $98.6M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for JBTC: JBTC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates JBTC against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
JBTC: 1/2 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
JBT Bancorp Inc. (JBTC) Financial Services Profile
JBT Bancorp Inc., the holding company for Jonestown Bank and Trust Company, provides banking services in Pennsylvania, offering personal and business accounts, loans, and digital banking solutions. Founded in 1873, the company maintains a community focus with a $98.6M market cap and a dividend yield of 3.17%.
What Is the Investment Thesis for JBTC?
JBT Bancorp Inc. presents a community banking investment opportunity, characterized by a stable regional presence and a focus on traditional banking services. With a market capitalization of $98.6M and a P/E ratio of 7.56, the company reflects steady profitability, supported by a 15.4% profit margin. The dividend yield of 3.17% offers an income stream for investors. Growth catalysts include expanding digital banking services and increasing penetration in existing markets. Potential risks include competition from larger regional and national banks, as well as regulatory compliance costs. Investors should monitor the company's ability to maintain asset quality and manage interest rate risk in a changing economic environment. The company's beta of 0.71 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
JBTC Key Highlights
Market capitalization of $98.6M indicates a small-cap bank with regional focus.
- P/E ratio of 7.56 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 15.4% reflects efficient operations and profitability.
- Gross margin of 70.2% indicates a strong ability to manage costs associated with its services.
- Dividend yield of 3.17% provides an attractive income stream for investors.
Who Are JBTC's Competitors?
JBTC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| CBKM Consumers Bancorp, Inc. | $32.89 | -0.30% | $103M | 469-signal |
| CTUY Century Next Financial Corporation | $72.00 | 0.00% | $92.0M | — |
| CZBS Citizens Bancshares Corporation | $65.25 | +0.12% | $118M | 449-signal |
| CZBT Citizens Bancorp of Virginia, Inc. | $43.51 | 0.00% | $91.7M | 539-signal |
| JUVF Juniata Valley Financial Corp. | $16.53 | -0.84% | $83.2M | 539-signal |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are JBTC's Key Strengths?
Long-standing presence in Pennsylvania.
- Strong customer relationships.
- Community-focused approach.
- Comprehensive suite of banking services.
What Are JBTC's Weaknesses?
Limited geographic reach.
- Smaller size compared to larger regional and national banks.
- Dependence on traditional banking services.
- Potential for higher operating costs due to regulatory compliance.
What Could Drive JBTC Stock Higher?
Potential for increased profitability through expansion of digital banking services by Q4 2026.
- Steady dividend yield of 3.17% attracts income-seeking investors.
- Focus on community banking fosters customer loyalty and retention.
- Strategic partnerships with local businesses could drive revenue growth by mid-2027.
- Cost efficiencies from technology upgrades.
What Are the Key Risks for JBTC?
Financial-distress signal — its Altman Z-Score of -0.58 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks could erode market share.
- Economic downturn in Pennsylvania could negatively impact loan portfolio quality.
- Increasing regulatory compliance costs could reduce profitability.
- Interest rate risk could impact net interest margin.
- Limited geographic reach restricts growth opportunities.
What Are the Growth Opportunities for JBTC?
- Expansion of Digital Banking Services: JBT Bancorp Inc. can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, such as mobile check deposit, online loan applications, and personalized financial management tools. The digital banking market is projected to reach $9 trillion in transaction value by 2027, providing a significant growth opportunity for JBT Bancorp Inc.
- Increased Penetration in Existing Markets: JBT Bancorp Inc. can focus on increasing its market share in its existing geographic footprint by attracting new customers and deepening relationships with existing customers. This can be achieved through targeted marketing campaigns, community outreach programs, and offering competitive interest rates and fees. The market for banking services in Pennsylvania is estimated at $50 billion, providing ample opportunity for JBT Bancorp Inc. to grow its customer base.
- Strategic Partnerships with Local Businesses: JBT Bancorp Inc. can forge strategic partnerships with local businesses to offer tailored financial solutions and services. This includes providing business loans, treasury management services, and employee benefits programs. By partnering with local businesses, JBT Bancorp Inc. can expand its customer base and generate new revenue streams. The market for business banking services in Pennsylvania is estimated at $20 billion.
- Development of Niche Financial Products: JBT Bancorp Inc. can develop niche financial products and services that cater to specific customer segments, such as young adults, retirees, and small business owners. This includes offering specialized savings accounts, investment products, and loan programs. By developing niche products, JBT Bancorp Inc. can differentiate itself from its competitors and attract new customers. The market for niche financial products is growing rapidly, driven by changing demographics and customer preferences.
- Acquisition of Smaller Community Banks: JBT Bancorp Inc. can pursue strategic acquisitions of smaller community banks in Pennsylvania to expand its geographic footprint and increase its market share. This can provide JBT Bancorp Inc. with access to new customers, markets, and products. The community banking sector is consolidating, with larger banks acquiring smaller banks to achieve economies of scale and increase their market presence. This strategy carries integration risks.
What Are JBTC's Competitive Advantages?
- Established brand and reputation in Pennsylvania.
- Strong customer relationships built over a long history.
- Local market expertise and knowledge.
- Community-focused approach to banking.
What Does JBTC Do?
JBT Bancorp Inc. is the holding company for Jonestown Bank and Trust Company, a community bank serving the residents and businesses of Pennsylvania. Founded in 1873, Jonestown Bank and Trust Company has a long history of providing financial services tailored to the needs of its local communities. The bank offers a comprehensive suite of products and services, including personal and business checking and savings accounts, certificates of deposit, and individual retirement accounts. Loan products include business loans, home mortgages, personal loans, auto loans, and home equity loans. In addition to traditional banking services, JBT Bancorp Inc. provides modern conveniences such as digital wallet integration, online and mobile banking, and a variety of card services, including gift, reloadable, debit, and credit cards. The bank also offers specialized services like young adult banking programs, e-statements, night deposit facilities, and coin and currency ordering. JBT Bancorp Inc. operates primarily within Pennsylvania, focusing on building strong relationships with its customers and supporting the economic growth of its local communities. The company's commitment to customer service and community involvement has been a cornerstone of its success for over a century.
What Products and Services Does JBTC Offer?
- Provides personal and business checking and savings accounts.
- Offers business loans, home mortgages, and personal loans.
- Provides auto and home equity loans.
- Offers gift, reloadable, debit, and credit cards.
- Provides certificates of deposit and individual retirement accounts.
- Offers digital wallet, business solutions, and overdraft coverage.
- Provides online and mobile banking services.
- Offers young adult banking services.
How Does JBTC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk by diversifying its loan portfolio and maintaining adequate capital reserves.
- Focuses on building long-term relationships with customers in its local communities.
What Industry Does JBTC Operate In?
JBT Bancorp Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks and smaller community banks. The industry is undergoing a digital transformation, with increasing adoption of online and mobile banking services. Regulatory compliance and interest rate risk are significant challenges for regional banks. JBT Bancorp Inc. differentiates itself through its long-standing presence in Pennsylvania and its focus on personalized customer service. The regional banking sector is expected to grow modestly, driven by economic growth and increasing demand for financial services.
Who Are JBTC's Key Customers?
- Individuals and families in Pennsylvania.
- Small and medium-sized businesses in Pennsylvania.
- Young adults seeking banking services.
- Retirees seeking investment and savings options.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 56 |
| 2026-08-26 | 56 |
| 2026-08-29 | 56 |
| 2026-09-01 | 56 |
| 2026-09-04 | 56 |
| 2026-09-07 | 56 |
| 2026-09-10 | 56 |
What changed?
The score has stayed at 56.
Over the same 18 days the stock moved +0.2%.
JBT Bancorp Inc. Financial Trajectory
JBT Bancorp Inc. (JBTC) reported $15.7M in revenue for Q2 FY2026, reflecting 5.9% growth compared to the prior quarter. The company recorded net income of $3.7M, with diluted EPS of $1.53. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, JBTC averaged $1.34 in diluted EPS.
Company Profile
JBT Bancorp Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jonestown, US. The company is led by CEO Troy A. Peters. JBTC has traded publicly since 2012.
How JBT Bancorp Inc. Is Valued
JBT Bancorp Inc. carries a market capitalization of $98.6M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for JBT Bancorp Inc. stands at 12.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. JBTC trades at a trailing price-to-earnings ratio of 7.56, below the Financial Services sector average of ~17.50x. A current ratio of 0.14 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 12.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
JBT Bancorp Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.58 places it in the distress zone, a signal of elevated financial risk.
JBTC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing presence in Pennsylvania.
- Strong customer relationships.
- Community-focused approach.
- Comprehensive suite of banking services.
Bear Case
- Limited geographic reach.
- Smaller size compared to larger regional and national banks.
- Dependence on traditional banking services.
- Potential for higher operating costs due to regulatory compliance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $16M | $4M | $1.53 |
| Q1 FY2026 | $15M | $3M | $1.30 |
| Q4 FY2025 | $16M | $3M | $1.19 |
| Q3 FY2025 | $16M | $3M | $1.34 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis
JBTC Latest News
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JBTC Announces 2nd Quarter 2026 Earnings
GlobeNewswire · Jul 15, 2026
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JBTC Announces 2nd Quarter 2026 Earnings
globenewswire.com · Jul 15, 2026
JBTC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for JBTC.
Price Targets
Wall Street price target analysis for JBTC.
JBTC MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for JBTC; grades run from A+ (80-100) to F (below 30).
Leadership: Troy A. Peters
CEO
Troy A. Peters serves as the CEO of JBT Bancorp Inc. He is responsible for managing the overall strategy and operations of the company, which employs 158 individuals. His background includes extensive experience in the banking sector, with a focus on community banking and customer relationship management. Peters has held various leadership positions within the company, contributing to its growth and stability. His expertise lies in developing and implementing strategic initiatives that drive profitability and enhance customer satisfaction. He is committed to maintaining JBT Bancorp Inc.'s strong community presence and providing high-quality financial services to its customers.
Track Record: Under Troy A. Peters' leadership, JBT Bancorp Inc. has maintained a consistent level of profitability and has continued to expand its digital banking services. He has focused on strengthening the company's balance sheet and managing risk effectively. Peters has also overseen the implementation of new technologies to enhance customer experience and improve operational efficiency. His strategic decisions have contributed to the company's long-term success and its ability to navigate the challenges of the banking industry.
JBTC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that JBT Bancorp Inc. may not meet the minimum financial standards or disclosure requirements of the higher tiers (OTCQX and OTCQB). Companies in this tier may be subject to limited regulatory oversight and may not be required to provide audited financial statements. Investing in companies on the OTC Other tier carries a higher degree of risk compared to companies listed on major exchanges like the NYSE or NASDAQ due to the potential for less transparency and liquidity.
- OTC Tier: OTC Other
- Limited regulatory oversight compared to exchange-listed companies.
- Potential for less transparency due to reduced disclosure requirements.
- Lower liquidity and wider bid-ask spreads.
- Increased risk of price volatility.
- Potential for fraud or manipulation.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Review the company's legal and regulatory filings.
- Monitor the company's trading volume and price volatility.
- Consult with a financial advisor before investing.
- Long-standing history of operations.
- Established brand and reputation in Pennsylvania.
- Presence of a qualified management team.
- Availability of some financial information, even if unaudited.
- Active engagement with investors and stakeholders.
What Investors Ask About JBT Bancorp Inc. (JBTC) — Financial Services
Is JBTC a good stock?
Stock Expert AI does not rate JBTC buy, sell or hold. JBT Bancorp Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about JBTC stock?
As of 2026-03-16, formal analyst ratings for JBT Bancorp Inc. (JBTC) are not widely available, likely due to its smaller market capitalization and OTC listing. Key valuation metrics include the P/E ratio of 7.56 and the dividend yield of 3.17%.
What are the key factors to evaluate for JBTC?
Evaluate JBTC on fundamentals, analyst consensus, and risk factors. P/E: 7.56x vs the S&P 500's ~20-25x. The dividend yield of 3.17% offers an income stream for investors. Not financial advice.
How frequently does JBTC data refresh on this page?
JBTC's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven JBTC's recent stock price performance?
JBT Bancorp Inc. (JBTC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in Pennsylvania. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider JBTC overvalued or undervalued right now?
JBT Bancorp Inc. (JBTC) trades at 7.56x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of JBTC?
Yes, most major brokerages offer fractional shares of JBT Bancorp Inc. (JBTC) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track JBTC's earnings and financial reports?
JBT Bancorp Inc. (JBTC) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for JBTC earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.