JD Bancshares, Inc. (JDVB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
JD Bancshares, Inc. (JDVB) trades at $35.10 with AI Score 52/100 (Grade B). JD Bancshares, Inc. Market cap: $120.36M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for JDVB: JDVB 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 JDVB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
JDVB: 3/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →JD Bancshares, Inc. (JDVB) Financial Services Profile
JD Bancshares, Inc. operates as a regional financial institution in Southwest Louisiana, offering a diversified portfolio of banking, investment, and trust services through 21 branch offices. Established in 1946, the company focuses on serving individuals and businesses with a comprehensive suite of financial products, maintaining a local market presence.
What Is the Investment Thesis for JDVB?
JD Bancshares, Inc. presents a profile as a regional financial institution with a diversified service offering, catering to individuals and businesses across Southwest Louisiana. The company's comprehensive suite of banking, investment, and estate and trust services provides multiple revenue streams, contributing to its reported gross margin of 79.5% and profit margin of 17.7%. With a P/E ratio of 9.16, the company operates within the regional banking sector, characterized by its local market focus and established community relationships. The consistent dividend yield of 3.51% reflects a commitment to shareholder returns. Future value drivers may include continued organic growth within its established geographic footprint, leveraging its 21 full-service branch offices to deepen customer relationships and expand its loan portfolio. The emphasis on a broad range of financial solutions, from traditional banking to specialized wealth management, positions the company to capture various client needs within its operational area.
Based on FMP financials and quantitative analysis
JDVB Key Highlights
- Market capitalization of $120.36M, indicative of its scale as a regional financial institution.
- Profit margin of 17.7%, demonstrating operational efficiency within its diversified service model.
- Gross margin of 79.5%, reflecting strong revenue generation from its banking, investment, and trust services.
- Dividend yield of 3.51%, providing a return to shareholders.
- Operates 21 full-service branch offices, establishing a significant physical presence across Southwest Louisiana.
Who Are JDVB's Competitors?
JDVB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are JDVB's Key Strengths?
- Diversified revenue streams from banking, investment, and trust services.
- Strong local market presence with 21 branch offices in Southwest Louisiana.
- Long operating history since 1946, indicating established community trust and experience.
- Reported high gross margin of 79.5% and profit margin of 17.7%.
What Are JDVB's Weaknesses?
- Geographic concentration solely in Southwest Louisiana, limiting broader market exposure and diversification.
- Potential for slower growth compared to larger, more diversified national financial institutions.
- Reliance on a traditional branch network in an increasingly digital-first banking environment.
- Unknown disclosure status on the OTC market may impact investor confidence and access to information.
What Could Drive JDVB Stock Higher?
- Potential for increased loan demand driven by regional economic development in Southwest Louisiana.
- Continued expansion of digital banking adoption among its customer base, enhancing service delivery and customer engagement.
- Strategic initiatives to grow wealth management and trust service assets under management, leveraging existing client relationships.
- Introduction of new specialized loan products tailored to the agricultural sector, capitalizing on local industry needs.
What Are the Key Risks for JDVB?
- Financial-distress signal — its Altman Z-Score of 0.30 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturns in Southwest Louisiana impacting loan portfolio quality and increasing defaults.
- Intense competition from larger national banks and agile fintech companies eroding market share.
- Adverse changes in interest rate policies affecting net interest margin and overall profitability.
- Regulatory compliance costs and evolving banking regulations impacting operational expenses.
- Cybersecurity threats and data breaches leading to financial losses and reputational damage.
What Are the Growth Opportunities for JDVB?
- Digital Banking Expansion: JD Bancshares, Inc. has an opportunity to further enhance its online and mobile banking features to attract a broader demographic and improve customer convenience. By investing in advanced digital platforms, the company can streamline services, offer more personalized user experiences, and potentially expand its reach without the overhead of new physical branches. The market for digital banking services continues to grow, driven by consumer preference for convenience and remote access, presenting a significant avenue for customer acquisition and retention within its Southwest Louisiana footprint.
- Wealth Management & Trust Services Growth: Leveraging its existing investment and trust services, JD Bancshares, Inc. can strategically focus on capturing a larger share of high-net-worth individuals and businesses seeking comprehensive financial planning and estate management. The aging population and ongoing intergenerational wealth transfer create a sustained demand for these specialized services. By emphasizing its local expertise and personalized approach, the company can differentiate itself from larger, less localized competitors, fostering deeper client relationships and increasing assets under management within its trust division.
- Commercial & Agricultural Lending: JD Bancshares, Inc. can deepen its relationships with local businesses and the vital agricultural sector in Southwest Louisiana by offering tailored loan products and specialized financial advice. As a regional bank with a long history, it possesses an inherent understanding of the local economy and the unique needs of these sectors. Targeted lending initiatives, coupled with proactive engagement with local entrepreneurs and farmers, can drive growth in its loan portfolio. Regional economic development and specific industry needs, particularly in agriculture, represent a consistent demand for specialized commercial financing, allowing the bank to capitalize on its local expertise.
- Geographic Infill within Southwest Louisiana: The company can pursue strategic geographic infill by opening new, smaller-format branches or expanding existing ones in underserved or growing communities within its primary operational area. This localized expansion strategy could increase market share and customer acquisition by enhancing physical accessibility and community engagement. By identifying specific pockets of growth or areas with limited banking services, JD Bancshares, Inc. can reinforce its regional presence and capture new customer segments, leveraging its established brand reputation and community trust.
- Cross-Selling Integrated Financial Solutions: JD Bancshares, Inc. has a significant opportunity to implement more robust strategies for cross-selling its comprehensive suite of banking, investment, and trust services to its existing customer base. By providing a holistic financial solution, the company can increase customer stickiness, enhance customer lifetime value, and maximize revenue per customer. This involves training staff to identify client needs across different product lines and offering integrated packages that meet diverse financial requirements, thereby strengthening client relationships and fostering deeper engagement with the bank's full range of services.
What Opportunities Does JDVB Have?
- Expand digital banking services to enhance customer reach, convenience, and operational efficiency.
- Increase market share in wealth management and trust services, catering to an aging population and wealth transfer trends.
- Capitalize on specific regional economic growth or industry developments within Southwest Louisiana.
- Cross-sell integrated financial solutions to the existing customer base to increase revenue per customer and client stickiness.
What Threats Does JDVB Face?
- Intense competition from larger national banks and agile fintech companies eroding market share.
- Economic downturns or industry-specific challenges in Southwest Louisiana impacting loan quality and demand.
- Adverse changes in interest rates affecting net interest margin and overall profitability.
- Increased regulatory burdens and compliance costs for financial institutions.
- Cybersecurity threats and data breaches leading to financial losses and reputational damage.
What Are JDVB's Competitive Advantages?
- Established Local Presence: Over 75 years of operation since 1946, with 21 full-service branches fostering deep community ties and trust in Southwest Louisiana.
- Diversified Service Portfolio: Offers a comprehensive range of banking, investment, and trust services, providing a 'one-stop shop' for varied client financial needs.
- Customer Relationship Focus: Emphasizes personalized service inherent to regional banking, building strong, long-term client relationships within its community.
- Local Market Expertise: Possesses an in-depth understanding of the economic landscape and specific needs of individuals and businesses in Southwest Louisiana, including the agricultural sector.
What Does JDVB Do?
JD Bancshares, Inc. is a regional financial holding company that provides a comprehensive array of banking products and services to individuals and businesses, primarily operating within Southwest Louisiana. Founded in 1946 and headquartered in Jennings, Louisiana, the company has evolved over decades to establish a significant local presence, currently operating 21 full-service branch offices across its target market. Its core offerings include traditional banking services such as checking, demand, savings, individual retirement, and certificates of deposit accounts. The company also extends various lending solutions, encompassing commercial, business, real estate, agricultural, lot, mobile home, consumer, and mortgage loans, catering to a diverse client base within its community. Beyond conventional banking, JD Bancshares, Inc. provides essential financial conveniences like credit cards, overdraft protection, wire transfers, bill payment, safe deposit boxes, automatic clearance house origination, and robust online and mobile banking platforms, alongside merchant services. Further diversifying its revenue streams and client offerings, the company delivers a range of investment products and services. These include fixed and variable annuities, mutual funds, life and disability insurance, stocks and bonds, tax-advantaged investments, long-term care insurance, retirement plans, money market funds, unit investment trusts, brokered certificates of deposit, and U.S. government obligations. This extensive investment portfolio aims to address the wealth management and financial planning needs of its clientele. Additionally, JD Bancshares, Inc. offers specialized estate and trust services, which feature estate and tax planning, investment management, administration of revocable and irrevocable trusts, curatorship/tutorship administration, special needs trusts, charitable trusts, successions, 401(k) rollovers, and various retirement plans. This integrated approach positions JD Bancshares, Inc. as a holistic financial partner for its community, leveraging its long history and local expertise to serve the comprehensive financial needs of Southwest Louisiana.
What Products and Services Does JDVB Offer?
- Provide checking, savings, individual retirement, and certificate of deposit accounts.
- Offer various loan products, including commercial, real estate, agricultural, consumer, and mortgage loans.
- Deliver digital banking services such as online and mobile banking, bill payment, and wire transfers.
- Facilitate investment products like fixed and variable annuities, mutual funds, stocks, and bonds.
- Offer life, disability, and long-term care insurance products.
- Provide comprehensive estate and trust administration services, including planning and investment management.
- Operate 21 full-service branch offices primarily serving individuals and businesses in Southwest Louisiana.
How Does JDVB Make Money?
- Generate interest income from a diverse portfolio of loans, including commercial, real estate, agricultural, and consumer loans.
- Earn fee income from banking services such as overdraft protection, wire transfers, bill payment, and merchant services.
- Derive revenue from the sale and management of investment products like annuities, mutual funds, and various insurance policies.
- Charge fees for specialized estate and trust administration services, including financial planning and wealth management.
What Industry Does JDVB Operate In?
The regional banking industry, in which JD Bancshares, Inc. operates, is characterized by its focus on local communities and personalized service, often competing with larger national banks and emerging fintech solutions. Regional banks like JD Bancshares, Inc. typically derive a significant portion of their revenue from interest income on loans and fees from various banking and wealth management services. The market in Southwest Louisiana, where JD Bancshares, Inc. primarily operates, is influenced by local economic conditions, including agricultural, commercial, and real estate sectors. The company's strategy of offering a broad spectrum of services, from traditional checking and savings accounts to complex investment and trust solutions, positions it as a comprehensive financial partner for its client base. This diversified approach helps mitigate reliance on any single revenue stream, a common characteristic among successful regional financial institutions aiming to maintain relevance against broader market trends.
Who Are JDVB's Key Customers?
- Individuals seeking personal banking, loan, and investment solutions for their financial needs.
- Local businesses requiring commercial loans, merchant services, and business banking accounts.
- Agricultural enterprises in Southwest Louisiana needing specialized financing and banking services.
- Clients seeking wealth management, estate planning, and trust administration services for long-term financial goals.
Company Profile
JD Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jennings, US. The company is led by CEO Paul E. Brummett. JDVB has traded publicly since 2003.
How JD Bancshares, Inc. Is Valued
JD Bancshares, Inc. carries a market capitalization of $120.36M, placing it in the micro-cap category. Relative to its peer group, JDVB's quantitative score of 52/100 is below the peer average of 68/100.
ROE 13%Key Financial Metrics
Return on equity for JD Bancshares, Inc. stands at 13.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. JDVB trades at a trailing price-to-earnings ratio of 9.16, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 3/9Financial Health
JD Bancshares, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.30 places it in the distress zone, a signal of elevated financial risk.
JDVB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified revenue streams from banking, investment, and trust services.
- Strong local market presence with 21 branch offices in Southwest Louisiana.
- Long operating history since 1946, indicating established community trust and experience.
- Reported high gross margin of 79.5% and profit margin of 17.7%.
Bear Case
- Geographic concentration solely in Southwest Louisiana, limiting broader market exposure and diversification.
- Potential for slower growth compared to larger, more diversified national financial institutions.
- Reliance on a traditional branch network in an increasingly digital-first banking environment.
- Unknown disclosure status on the OTC market may impact investor confidence and access to information.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
JDVB Latest News
No recent news available for JDVB.
JDVB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for JDVB.
Price Targets
Wall Street price target analysis for JDVB.
JDVB MoonshotScore
What does this score mean?
The MoonshotScore rates JDVB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Paul E. Brummett
Chief Executive Officer
Paul E. Brummett serves as the Chief Executive Officer of JD Bancshares, Inc., overseeing the strategic direction and daily operations of the regional financial institution. In this capacity, he is responsible for managing the company's 250 employees, ensuring the delivery of banking, investment, and trust services to individuals and businesses across Southwest Louisiana. Details regarding his specific educational background, prior executive roles, or credentials beyond his current position at JD Bancshares, Inc. are not provided in the available source data.
Track Record: Under Paul E. Brummett's leadership, JD Bancshares, Inc. continues to operate its 21 full-service branch offices, maintaining its established presence in Southwest Louisiana since its founding in 1946. His tenure involves guiding the company in providing a diversified range of financial products and services, aiming to meet the comprehensive needs of its local customer base. Specific achievements or strategic decisions made during his leadership are not detailed in the provided information.
JDVB OTC Market Information
JD Bancshares, Inc. trades on the OTC Other tier, which is the lowest tier of the OTC Markets Group's three marketplaces. Unlike companies listed on major exchanges like the NYSE or NASDAQ, which have stringent listing requirements regarding financial standards, corporate governance, and minimum share prices, companies on the OTC Other tier face minimal disclosure requirements. This tier is typically for companies that do not meet the standards for OTCQX or OTCQB, or choose not to provide information to OTC Markets. It signifies a lower level of transparency and regulatory oversight compared to higher tiers or national exchanges.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited public information and unknown disclosure status, hindering comprehensive due diligence.
- Lower liquidity and wider bid-ask spreads, potentially leading to difficulty in trading shares.
- Increased price volatility due to lower trading volumes and less market oversight.
- Absence of stringent listing requirements compared to major exchanges, potentially indicating higher operational risks.
- Difficulty in obtaining reliable valuation metrics and analyst coverage due to OTC status.
- Verify the company's latest financial statements directly from their investor relations if available.
- Research any available regulatory filings or public disclosures, even if not standardized.
- Assess the company's operational transparency and communication with shareholders.
- Analyze trading volume and bid-ask spreads to understand potential liquidity challenges.
- Evaluate the company's business model and competitive landscape independently.
- Consider the implications of the 'OTC Other' tier status on investment risk.
- Seek independent verification of any claims made by the company.
- Long operating history since 1946, suggesting established business operations.
- Operates 21 full-service branch offices, indicating a tangible physical presence.
- Provides a diversified range of traditional banking, investment, and trust services.
- Reports specific financial metrics like market cap, P/E, and profit margin, suggesting some level of financial tracking.
JDVB Financial Services Stock FAQ
What does JD Bancshares, Inc. do?
JD Bancshares, Inc. is a regional financial holding company headquartered in Jennings, Louisiana, established in 1946. It operates 21 full-service branch offices primarily serving individuals and businesses across Southwest Louisiana. The company offers a comprehensive suite of financial products and services, including traditional banking solutions like checking, savings, and various loan types (commercial, real estate, agricultural, mortgage). Beyond core banking, it provides investment products such as annuities, mutual funds, and insurance, alongside specialized estate and trust services, encompassing planning, investment management, and trust administration. This diversified approach aims to meet a broad spectrum of client financial needs within its local market.
How is JD Bancshares, Inc. adapting to fintech disruption?
JD Bancshares, Inc. addresses the evolving financial landscape by offering online and mobile banking services, automatic clearance house origination, and bill payment solutions. These digital offerings are crucial for maintaining competitiveness against fintech challengers and meeting contemporary customer expectations for convenience and accessibility. While the company maintains a strong physical presence with 21 branch offices, its inclusion of digital tools indicates an ongoing adaptation to technological advancements within the banking sector. Continued investment in enhancing these digital platforms and integrating new technologies could further strengthen its position, allowing it to serve its Southwest Louisiana customer base more efficiently and potentially expand its digital reach.
What is JD Bancshares, Inc.'s credit quality and risk management approach?
JD Bancshares, Inc.'s credit quality and risk management approach are integral to its operations as a regional bank. While specific details on loan portfolio performance metrics like non-performing assets or provision for credit losses are not provided in the source data, the company offers a diverse range of loan products including commercial, business, real estate, agricultural, consumer, and mortgage loans. Managing credit risk involves careful underwriting, monitoring of economic conditions in Southwest Louisiana, and maintaining a diversified loan book across various sectors. The company's long operating history since 1946 suggests an established framework for assessing and mitigating lending risks within its specific geographic and economic context.
What are the main risks for JDVB?
JD Bancshares, Inc. faces several key risks inherent to the regional banking sector and its specific operational profile. A primary concern is its geographic concentration in Southwest Louisiana, which exposes the company to localized economic downturns or industry-specific challenges, potentially impacting loan demand and credit quality. The financial services industry is highly competitive, with ongoing pressure from larger national banks and rapidly evolving fintech companies, which could erode market share. Furthermore, changes in interest rates can significantly affect the company's net interest margin and overall profitability. Regulatory changes and increasing compliance costs also pose ongoing operational and financial burdens, alongside the ever-present threat of cybersecurity incidents.
What are the key factors to evaluate for JDVB?
JD Bancshares, Inc. (JDVB) holds an AI score of 52/100 (moderate). Not financial advice.
How frequently does JDVB data refresh on this page?
JDVB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven JDVB's recent stock price performance?
JD Bancshares, Inc. (JDVB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from banking, investment, and trust services. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider JDVB overvalued or undervalued right now?
Valuing JD Bancshares, Inc. (JDVB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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.
- Limited specific data available for CEO's detailed background and track record.
- No FMP PEER TICKERS were provided in the source data for competitors.
- Disclosure status for OTC market is 'Unknown' as per source data.