Jeffersonville Bancorp (JFBC)
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.
Jeffersonville Bancorp (JFBC) trades at $27.51 with AI Score 54/100 (Grade B). Jeffersonville Bancorp (JFBC) is a regional bank holding company providing community banking services primarily in Sullivan County, New York. Market cap: $116.49M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for JFBC: JFBC 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 JFBC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
JFBC: 4/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Jeffersonville Bancorp (JFBC) Financial Services Profile
Jeffersonville Bancorp (JFBC) is a regional bank holding company that specializes in community banking services, offering a diverse range of deposit and loan products primarily to individuals and small businesses in Sullivan County, New York, with a strong commitment to local economic development.
What Is the Investment Thesis for JFBC?
Jeffersonville Bancorp presents a stable investment opportunity driven by its robust profit margins, with a profit margin of 37.8% and a gross margin of 95.9%. The bank's focus on community banking allows it to maintain strong relationships with local customers, fostering loyalty and repeat business. With a P/E ratio of 9.02, JFBC is positioned attractively compared to industry peers, potentially indicating undervaluation. The bank's dividend yield of 4.04% also provides a steady income stream for investors. Looking ahead, the expansion of online banking services and continued growth in local lending could serve as catalysts for revenue growth, while maintaining a conservative approach to risk management will be essential in navigating potential economic fluctuations.
Based on FMP financials and quantitative analysis
JFBC Key Highlights
- Market capitalization of $116.49M reflects a stable regional banking presence.
- Profit margin of 37.8% indicates strong operational efficiency.
- Gross margin of 95.9% showcases the bank's ability to maintain high profitability.
- P/E ratio of 9.02 suggests potential undervaluation relative to peers.
- Dividend yield of 4.04% offers attractive returns for income-focused investors.
Who Are JFBC's Competitors?
JFBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| FMBH First Mid Bancshares, Inc. | $48.66 | +0.42% | $1.30B | 74 |
| PB Prosperity Bancshares, Inc. | $70.72 | -0.26% | $7.13B | 80 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 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 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are JFBC's Key Strengths?
- Strong profitability with high profit and gross margins.
- Established community presence with multiple branches.
- Diverse product offerings catering to various customer needs.
- Experienced management team with deep local knowledge.
What Are JFBC's Weaknesses?
- Limited geographic reach compared to larger banks.
- Dependence on local economic conditions for growth.
- Potential vulnerability to regional economic downturns.
- Smaller scale may limit competitive pricing on loans.
What Could Drive JFBC Stock Higher?
- Expansion of digital banking services expected to launch by Q4 2026.
- Strong loan demand in the region supporting revenue growth.
- Continued community engagement initiatives enhancing brand loyalty.
- Introduction of new mortgage products aimed at first-time homebuyers in 2026.
- Strategic partnerships with local businesses to boost service offerings.
What Are the Key Risks for JFBC?
- Financial-distress signal — its Altman Z-Score of 0.63 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns could negatively impact loan performance.
- Intense competition from larger banks and fintech firms.
- Regulatory changes may affect operational flexibility.
- Rising interest rates could dampen loan demand.
- Limited geographic diversification increases vulnerability.
What Are the Growth Opportunities for JFBC?
- Expansion of Digital Banking Services: Jeffersonville Bancorp can leverage the growing trend towards online banking by enhancing its digital platforms. With the U.S. digital banking market projected to grow at a CAGR of 8% through 2025, investing in technology to improve customer experience could significantly drive growth.
- Increased Loan Demand: The demand for personal and business loans in the region is anticipated to rise as economic conditions improve post-pandemic. Jeffersonville Bancorp's established reputation and local knowledge position it well to capture a larger share of this market, particularly in commercial real estate and small business financing.
- Diversification of Mortgage Products: By expanding its mortgage offerings to include more competitive rates and flexible terms, Jeffersonville Bancorp can attract a broader customer base. The U.S. mortgage market is expected to grow, providing opportunities for banks that can innovate and offer tailored solutions.
- Community Engagement Initiatives: Strengthening ties with local businesses and municipalities through community development programs can enhance brand loyalty. As local governments seek to stimulate economic growth, Jeffersonville Bancorp can position itself as a key partner, potentially increasing its market share.
- Agricultural and Construction Loans: With Sullivan County's agricultural and construction sectors poised for growth, Jeffersonville Bancorp can capitalize on this by offering specialized loan products tailored to these industries, tapping into a niche market with less competition.
What Opportunities Does JFBC Have?
- Expansion of digital banking services to attract younger customers.
- Growing demand for loans as the economy recovers.
- Potential partnerships with local businesses for community development.
- Increased focus on agricultural and construction lending.
What Threats Does JFBC Face?
- Intense competition from larger banks and fintech companies.
- Economic downturns affecting loan repayment rates.
- Regulatory changes impacting banking operations.
- Rising interest rates potentially affecting loan demand.
What Are JFBC's Competitive Advantages?
- Strong local brand recognition and customer loyalty.
- Established relationships with local businesses and municipalities.
- Diverse range of banking products tailored to community needs.
- Low competition in certain niche markets such as agricultural loans.
- High profit margins indicating operational efficiency.
What Does JFBC Do?
Founded in 1913, Jeffersonville Bancorp operates as the bank holding company for Jeff Bank, delivering community banking services to individuals, small businesses, and local municipal governments in Sullivan County, New York. Over the years, the company has evolved to meet the changing financial needs of its community, expanding its product offerings and branch network. Currently, Jeffersonville Bancorp provides a wide array of banking services, including various deposit products such as checking, savings, and retirement accounts, alongside personal and business loan solutions. The bank has also diversified its mortgage offerings, catering to residential and commercial real estate needs, as well as providing credit and debit card services. With 12 full-service branches strategically located in Sullivan and Orange Counties, Jeffersonville Bancorp has established a strong local presence. The bank is committed to fostering economic growth in the region by supporting local businesses and providing accessible banking solutions. As of February 2022, Jeffersonville Bancorp continues to focus on enhancing its customer experience through online and mobile banking services, ensuring that it remains competitive in the evolving financial landscape.
What Products and Services Does JFBC Offer?
- Provide community banking services to individuals and businesses.
- Offer a variety of deposit products including checking, savings, and retirement accounts.
- Extend personal loans for vehicles, home improvements, and debt consolidation.
- Facilitate business loans for commercial real estate and equipment financing.
- Deliver a range of mortgage products for residential and commercial properties.
- Support online and mobile banking services for customer convenience.
How Does JFBC Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from deposit accounts and transaction services.
- Provide financial advisory services to local businesses and individuals.
- Offer competitive rates on loans to attract and retain customers.
- Maintain a strong local presence to foster community relationships.
What Industry Does JFBC Operate In?
The regional banking sector is characterized by a focus on community relationships and localized service offerings. As consumers increasingly prioritize personalized banking experiences, banks like Jeffersonville Bancorp are well-positioned to capitalize on this trend. The industry is experiencing steady growth, with regional banks benefiting from rising interest rates, which can enhance net interest margins. Competition remains robust, with other regional banks vying for market share, necessitating a strong focus on customer service and product differentiation.
Who Are JFBC's Key Customers?
- Individuals seeking personal banking solutions.
- Small businesses requiring financing and banking services.
- Local municipal governments needing reliable banking partners.
- Homebuyers looking for mortgage and home equity products.
- Agricultural businesses seeking specialized loan options.
ROE 13%Key Financial Metrics
Return on equity for Jeffersonville Bancorp stands at 12.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.9%, showing how much profit it generates from its asset base. JFBC trades at a trailing price-to-earnings ratio of 9.04, 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 11.1%, the inverse of the P/E and a quick read on earnings relative to price.
Jeffersonville Bancorp (JFBC) Valuation Context
Valued at $116.49M, JFBC is classified as a micro-cap stock. Relative to its peer group, JFBC's quantitative score of 54/100 is below the peer average of 75/100.
Company Profile
Jeffersonville Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jeffersonville, US. The company is led by CEO George W. Kinne Jr.. JFBC has traded publicly since 1998.
F-Score 4/9Financial Health
Jeffersonville Bancorp's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.63 places it in the distress zone, a signal of elevated financial risk.
JFBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profitability with high profit and gross margins.
- Established community presence with multiple branches.
- Diverse product offerings catering to various customer needs.
- Experienced management team with deep local knowledge.
Bear Case
- Limited geographic reach compared to larger banks.
- Dependence on local economic conditions for growth.
- Potential vulnerability to regional economic downturns.
- Smaller scale may limit competitive pricing on loans.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
JFBC Latest News
No recent news available for JFBC.
JFBC 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.
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.
Leadership: George W. Kinne Jr.
CEO
George W. Kinne Jr. has a long-standing career in the banking sector, having held various leadership roles within Jeffersonville Bancorp since its inception. His educational background includes a degree in finance, which has equipped him with the knowledge to navigate the complexities of the financial services industry. Kinne's extensive experience in community banking has helped shape the strategic direction of the company, focusing on local engagement and customer service.
Track Record: Under Kinne's leadership, Jeffersonville Bancorp has seen significant growth in its loan portfolio and a steady increase in customer satisfaction ratings. His commitment to community involvement has strengthened the bank's reputation and market position.
JFBC OTC Market Information
The OTC Other tier includes companies that do not meet the criteria for higher tiers like OTCQX or OTCQB, often resulting in less stringent reporting requirements. This can lead to lower visibility and liquidity compared to stocks listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower visibility and less stringent reporting requirements can increase investment risk.
- Potential for lower liquidity may affect the ability to buy or sell shares quickly.
- Increased volatility due to smaller market capitalization.
- Limited analyst coverage can lead to less informed investment decisions.
- Potential regulatory scrutiny due to the OTC trading environment.
- Review the company's financial statements for accuracy.
- Assess the management team's experience and track record.
- Evaluate the competitive landscape and market position.
- Investigate the company's compliance with regulatory requirements.
- Monitor industry trends that may impact performance.
- Established history since 1913 indicates stability.
- Presence of a local community bank with a loyal customer base.
- Transparent financial reporting available to the public.
- Active involvement in community development initiatives.
Jeffersonville Bancorp Financial Services Stock: Key Questions Answered
What does Jeffersonville Bancorp do?
Jeffersonville Bancorp operates as the bank holding company for Jeff Bank, providing community banking services primarily in Sullivan County, New York. The bank offers a variety of deposit products, personal and business loans, and mortgage services, focusing on meeting the financial needs of individuals, small businesses, and local governments.
How sensitive is JFBC to interest rate changes?
Jeffersonville Bancorp's net interest margin is sensitive to fluctuations in interest rates, which can impact profitability. As rates rise, the bank may benefit from increased interest income on loans, but higher rates can also deter borrowing, potentially affecting loan growth and overall revenue.
What are the main risks for JFBC?
Jeffersonville Bancorp faces several risks, including economic downturns that could lead to increased loan defaults and reduced demand for new loans. Additionally, competition from larger banks and fintech companies poses a threat to its market share. Regulatory changes may also impact operations and profitability.
What are the key factors to evaluate for JFBC?
Jeffersonville Bancorp (JFBC) holds an AI score of 54/100 (moderate). Not financial advice.
How frequently does JFBC data refresh on this page?
JFBC 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 JFBC's recent stock price performance?
Jeffersonville Bancorp (JFBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profitability with high profit and gross margins. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider JFBC overvalued or undervalued right now?
Valuing Jeffersonville Bancorp (JFBC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full 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.
- Financial performance is based on available data as of 2022; future performance may vary.