Jeffersonville Bancorp (JFBC)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Jeffersonville Bancorp (JFBC) with AI Score 54/100 (Hold). Jeffersonville Bancorp, operating as Jeff Bank, provides community banking services in Sullivan and Orange County, New York. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 17, 2026Jeffersonville Bancorp (JFBC) Financial Services Profile
Jeffersonville Bancorp, through Jeff Bank, delivers community banking services in New York's Sullivan and Orange counties, focusing on deposit and loan products for individuals, small businesses, and municipalities; the company distinguishes itself through its local focus and a high gross margin of 95.2% within the regional banking sector.
Investment Thesis
Jeffersonville Bancorp presents a compelling investment case based on its established presence in Sullivan and Orange Counties, New York, and its focus on community banking. The company's high gross margin of 95.2% suggests efficient operations. A dividend yield of 4.15% offers an attractive income stream for investors. Growth catalysts include expanding its loan portfolio and enhancing its digital banking services. Potential risks include competition from larger regional banks and sensitivity to interest rate fluctuations. The company's P/E ratio of 8.94 indicates a potentially undervalued stock, but investors should carefully consider the risks associated with OTC-listed companies.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.11 billion reflects its position as a smaller community bank.
- A P/E ratio of 8.94 suggests a potentially undervalued stock compared to its earnings.
- Profit margin of 36.7% indicates efficient operations and profitability.
- Gross margin of 95.2% demonstrates strong control over the cost of services.
- Dividend yield of 4.15% provides an attractive income stream for investors.
Competitors & Peers
Strengths
- Strong local presence in Sullivan and Orange Counties.
- High gross margin.
- Long-standing relationships with customers.
- Attractive dividend yield.
Weaknesses
- Limited geographic diversification.
- Small market capitalization.
- Dependence on local economy.
- OTC listing may limit investor access.
Catalysts
- Ongoing: Expansion of digital banking services to attract and retain customers.
- Ongoing: Strategic branch expansion in underserved areas to increase market penetration.
- Ongoing: Increased commercial lending to small businesses to drive revenue growth.
- Ongoing: Cross-selling financial products to existing customers to enhance customer loyalty.
- Upcoming: Potential acquisitions of smaller community banks to expand geographic reach (timeline uncertain).
Risks
- Potential: Competition from larger regional banks with greater resources.
- Potential: Sensitivity to interest rate changes affecting net interest margin.
- Potential: Economic downturn in the local area impacting loan performance.
- Ongoing: Regulatory changes affecting the banking industry.
- Ongoing: Limited liquidity due to OTC listing, potentially increasing price volatility.
Growth Opportunities
- Expansion of Digital Banking Services: Investing in and expanding digital banking services presents a significant growth opportunity for Jeffersonville Bancorp. As customer preferences shift towards online and mobile banking, enhancing these platforms can attract new customers and retain existing ones. This includes improving the user experience, adding new features, and ensuring robust security measures. The market for digital banking is projected to grow significantly, offering a substantial opportunity for JFBC to increase its market share and improve customer satisfaction. Timeline: Ongoing.
- Strategic Branch Expansion: While digital banking is crucial, maintaining a physical presence through strategic branch expansion can also drive growth. Identifying underserved communities in Sullivan and Orange counties and establishing new branches can attract new customers and increase deposit and loan volumes. This expansion should be data-driven, focusing on areas with strong economic growth and limited banking options. This targeted approach can enhance JFBC's market penetration and brand recognition. Timeline: 2-3 years.
- Increase Commercial Lending: Jeffersonville Bancorp can focus on expanding its commercial lending portfolio, targeting small businesses in its service area. Offering competitive loan products and personalized service can attract businesses seeking financing for growth and expansion. This includes commercial real estate loans, lines of credit, and equipment financing. The small business lending market is substantial, and JFBC can leverage its local expertise and relationships to capture a larger share. Timeline: Ongoing.
- Enhance Mortgage Product Offerings: Expanding and diversifying its mortgage product offerings can attract a wider range of customers. This includes offering specialized mortgage products for first-time homebuyers, vacation homes, and investment properties. Partnering with local real estate agents and brokers can also drive mortgage volume. The mortgage market is competitive, but JFBC can differentiate itself through personalized service and competitive rates. Timeline: 1-2 years.
- Cross-Selling Financial Products: Jeffersonville Bancorp can improve its cross-selling efforts to increase revenue per customer. This involves offering a wider range of financial products and services to existing customers, such as insurance, investment products, and wealth management services. Training employees to identify customer needs and recommend appropriate products is crucial. This strategy can enhance customer loyalty and increase profitability. Timeline: Ongoing.
Opportunities
- Expansion of digital banking services.
- Strategic branch expansion in underserved areas.
- Increased commercial lending to small businesses.
- Cross-selling financial products to existing customers.
Threats
- Competition from larger regional banks.
- Sensitivity to interest rate changes.
- Economic downturn in the local area.
- Regulatory changes affecting the banking industry.
Competitive Advantages
- Strong local presence and brand recognition in Sullivan and Orange Counties.
- Long-standing relationships with customers in the community.
- High gross margin compared to competitors.
- Community bank focused on local needs.
About JFBC
Founded in 1913 and based in Jeffersonville, New York, Jeffersonville Bancorp operates as the bank holding company for Jeff Bank, a community bank serving individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. Jeff Bank offers a comprehensive suite of financial products and services, including various deposit accounts like checking, money market, savings, NOW, and retirement accounts, alongside demand and time deposits. The bank's lending portfolio encompasses personal loans such as auto, RV, motorcycle, boat, home improvement, and debt consolidation loans, as well as business loans including commercial real estate, commercial lines of credit, short-term notes, installment loans, and commercial vehicle/equipment loans. Additionally, Jeff Bank provides agricultural and construction loans. The company also offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Beyond traditional banking services, Jeffersonville Bancorp provides credit and debit cards, business services like electronic deposits and withdrawals, remote check deposits for business customers, and online/mobile banking services. As of February 8, 2022, Jeff Bank operated 12 full-service branches across Sullivan and Orange County, New York, demonstrating its commitment to local communities.
What They Do
- Provides checking, savings, and money market accounts.
- Offers personal loans for auto, home improvement, and debt consolidation.
- Provides commercial real estate, lines of credit, and equipment loans.
- Offers residential mortgages and home equity lines of credit.
- Provides credit and debit cards to customers.
- Offers online and mobile banking services.
- Provides business services including electronic deposits and remote check deposits.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk by diversifying its loan portfolio.
- Focuses on serving the banking needs of its local community.
Industry Context
Jeffersonville Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with customers increasingly demanding online and mobile banking services. The competitive landscape includes larger regional banks and credit unions. Jeffersonville Bancorp's focus on community banking and its presence in specific geographic markets differentiate it from larger players. The regional banking sector is sensitive to interest rate changes and economic conditions.
Key Customers
- Individuals residing in Sullivan and Orange Counties, New York.
- Small businesses operating in the local area.
- Local municipal governments.
Financials
Chart & Info
Jeffersonville Bancorp (JFBC) stock price: Price data unavailable
Latest News
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Head-To-Head Comparison: Jeffersonville Bancorp (OTCMKTS:JFBC) and Carter Bankshares (NASDAQ:CARE)
defenseworld.net · Mar 15, 2026
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Jeffersonville Bancorp Announces Fourth Quarter and Record Full Year Earnings of $12,553,000 or $2.96 per share; Declares Dividend of $0.15
Yahoo! Finance: JFBC News · Feb 10, 2026
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Jeffersonville Bancorp (OTCMKTS:JFBC) Shares Pass Below Fifty Day Moving Average – Should You Sell?
defenseworld.net · Feb 7, 2026
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Jeffersonville Bancorp Announces Special Dividend of $0.25 per share
globenewswire.com · Jan 13, 2026
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for JFBC.
Price Targets
Wall Street price target analysis for JFBC.
MoonshotScore
What does this score mean?
The MoonshotScore rates JFBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Head-To-Head Comparison: Jeffersonville Bancorp (OTCMKTS:JFBC) and Carter Bankshares (NASDAQ:CARE)
Jeffersonville Bancorp Announces Fourth Quarter and Record Full Year Earnings of $12,553,000 or $2.96 per share; Declares Dividend of $0.15
Jeffersonville Bancorp (OTCMKTS:JFBC) Shares Pass Below Fifty Day Moving Average – Should You Sell?
Jeffersonville Bancorp Announces Special Dividend of $0.25 per share
Leadership: George W. Kinne Jr.
CEO
George W. Kinne Jr. serves as the CEO of Jeffersonville Bancorp, leading a team of 79 employees. Information regarding his detailed career history, education, and previous roles is not available in the provided data. His leadership is pivotal in guiding the strategic direction and operational efficiency of the bank, ensuring its continued service to the community.
Track Record: Specific achievements, strategic decisions, and company milestones under George W. Kinne Jr.'s leadership are not detailed in the provided data. However, his role as CEO suggests responsibility for the bank's financial performance, customer relationships, and overall growth strategy.
JFBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Jeffersonville Bancorp may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk due to the potential for less transparency and liquidity compared to listed companies.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited liquidity compared to exchange-listed stocks.
- Less stringent regulatory oversight and disclosure requirements.
- Potential for wider bid-ask spreads and price volatility.
- Higher risk of fraud or manipulation due to less regulatory scrutiny.
- Dependence on market makers for order execution.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's financial health and key performance indicators.
- Understand the risks associated with investing in OTC stocks.
- Check for any regulatory actions or legal issues involving the company.
- Consult with a financial advisor before making any investment decisions.
- The company has been in operation since 1913.
- It operates 12 full-service branches in Sullivan and Orange Counties.
- It is a bank holding company for Jeff Bank, a regulated financial institution.
- The company has a positive profit margin and dividend yield.
- It serves local communities, indicating a focus on long-term relationships.
Jeffersonville Bancorp Stock: Key Questions Answered
What does Jeffersonville Bancorp do?
Jeffersonville Bancorp operates as the bank holding company for Jeff Bank, providing a range of community banking services to individuals, small businesses, and local governments in Sullivan and Orange Counties, New York. Its core business revolves around attracting deposits and providing loans, including personal, commercial, and mortgage products. The company generates revenue primarily through interest income on loans and fees for services, focusing on building long-term relationships with its local customer base.
What do analysts say about JFBC stock?
Analyst coverage of Jeffersonville Bancorp (JFBC) is limited due to its OTC listing and small market capitalization. Key valuation metrics include a P/E ratio of 8.94 and a dividend yield of 4.15%. Growth considerations center on the company's ability to expand its loan portfolio, enhance its digital banking services, and manage its interest rate risk. Investors should conduct their own due diligence and consider the risks associated with OTC-listed companies.
What are the main risks for JFBC?
Jeffersonville Bancorp faces several risks, including competition from larger regional banks, sensitivity to interest rate fluctuations, and the potential for an economic downturn in its local service area. As an OTC-listed company, JFBC also faces risks related to limited liquidity and regulatory oversight. Effective risk management and strategic planning are crucial for mitigating these challenges and ensuring the company's long-term success.
What are the key factors to evaluate for JFBC?
Jeffersonville Bancorp (JFBC) currently holds an AI score of 54/100, indicating moderate score. Key strength: Strong local presence in Sullivan and Orange Counties.. Primary risk to monitor: Potential: Competition from larger regional banks with greater resources.. This is not financial advice.
How frequently does JFBC data refresh on this page?
JFBC prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven JFBC's recent stock price performance?
Recent price movement in Jeffersonville Bancorp (JFBC) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence in Sullivan and Orange Counties.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider JFBC overvalued or undervalued right now?
Determining whether Jeffersonville Bancorp (JFBC) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying JFBC?
Before investing in Jeffersonville Bancorp (JFBC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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 analyst coverage for JFBC may affect the accuracy of some data.
- OTC market data may have reporting delays or inaccuracies.