Jeffersonville Bancorp (JFBC) AI Stock Analysis

• Market Cap: $93.68M
• Dividend Yield: 4.82%
• Average Volume (3M): 924.00
• Price to Earnings (P/E): 7.9
• Beta (1Y): 0.11
• Revenue Growth: -0.59%
• EPS Growth: 7.80%
• Country: US
• Employees: 79
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.78
• Shares Outstanding: 4,235,000
• 10 Day Avg. Volume: 1,014
• 30 Day Avg. Volume: 924
• PEG Ratio: 4.90
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 2.73
• P/FCF Ratio: 7.17
• Enterprise Value/Market Cap: 0.05
• Enterprise Value/Revenue: 0.13
• Enterprise Value/Gross Profit: 0.14
• Enterprise Value/Ebitda: 0.29
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $24.50 ▲(10.76% Upside)

Jeffersonville Bancorp's strong financial performance and attractive valuation are the primary drivers of its overall stock score. The company's solid profitability, robust balance sheet, and appealing dividend yield make it a compelling investment within the regional banking sector. Technical analysis indicates stable price trends, although mild bearish sentiment is present.

Positive Factors

Balance Sheet Health

A strong balance sheet with no debt enhances financial stability and flexibility, allowing the company to invest in growth opportunities without financial strain.

Profitability

High profitability margins indicate efficient operations and pricing power, contributing to sustained earnings and potential for reinvestment in growth.

Cash Flow Generation

Positive cash flow growth supports operational needs and future investments, ensuring the company can fund its strategic initiatives without external financing.

Negative Factors

Revenue Growth Challenges

Despite strong financials, the revenue growth rate is relatively low at 2.49%, which may limit the company's ability to scale rapidly in a competitive market.

Limited Market Expansion

Focusing mainly on local markets may restrict growth opportunities and expose the company to regional economic fluctuations, limiting broader market expansion.

Earnings Call Data Absence

The lack of recent earnings call data may hinder transparency and investor confidence, potentially impacting the company's ability to communicate strategic direction effectively.

Jeffersonville Bancorp Business Overview & Revenue Model

Company Description

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers various deposit products, such as checking, money market, savings, NOW, and retirement accounts, as well as demand and time deposits. It also provides personal loan products, such as auto/RV/motorcycle/boat, home improvement, debt consolidation, check, and other financing; and business loans, including commercial real estate, commercial lines of credit, short-term notes, installment, and commercial vehicle/equipment loans, as well as agricultural and construction loans. In addition, the company offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Further, it provides credit and debit cards; business services, including electronic deposits and withdrawals, and remote check deposits for business customers; and online/mobile banking services. As of February 8, 2022, it had 12 full-service branches in Sullivan and Orange County, New York located in Anawana Lake Road/Monticello, Eldred, Callicoon, Jeffersonville, Liberty, Livingston Manor, Loch Sheldrake, Monticello, Narrowsburg, Port Jervis, White Lake, and Wurtsboro. The company was founded in 1913 and is based in Jeffersonville, New York.

How the Company Makes Money

Jeffersonville Bancorp generates revenue through multiple key streams, primarily centered around interest income from loans and fees associated with various banking services. The company earns interest on loans provided to consumers and businesses, which constitutes a significant portion of its income. Additionally, JFBC collects service fees from account maintenance, transaction fees, and charges for other banking services. The institution may also generate income from investment activities, including securities and mortgage-backed securities. Significant partnerships with local businesses and community organizations enhance customer acquisition and retention, further contributing to its financial performance.

Jeffersonville Bancorp Financial Statement Overview

Summary

Jeffersonville Bancorp exhibits strong financial performance with consistent revenue growth, robust profitability, and a solid balance sheet with no reliance on debt financing. Cash flow remains healthy, supporting both operational needs and future growth opportunities.

Income Statement

Jeffersonville Bancorp has demonstrated strong financial performance with consistent revenue growth, evidenced by a 2.49% increase from 2023 to 2024. The company maintains solid profitability metrics, including a net profit margin of 36.73% and an EBIT margin of 56.15% for 2024. However, the absence of EBITDA data for the latest period slightly limits the full profitability assessment.

Balance Sheet

The balance sheet reflects robust financial health, with a strong equity position and no debt, resulting in a debt-to-equity ratio of 0. The equity ratio is a healthy 14.49%, indicating a stable financial structure. The return on equity is impressive at 12.43%, showcasing effective use of shareholder funds. The increase in stockholders' equity over the years further strengthens the company's financial foundation.

Cash Flow

Cash flow analysis reveals a positive trajectory with a free cash flow growth rate of 1.43% from 2023 to 2024. The operating cash flow to net income ratio of 1.11 indicates efficient cash generation relative to earnings. The free cash flow to net income ratio of 1.03 highlights an adequate conversion of profits into free cash flow, supporting ongoing financial operations and potential investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	32.13M	30.84M	30.09M	27.45M	23.27M	22.24M
Gross Profit	31.27M	30.84M	30.09M	26.64M	22.46M	20.53M
EBITDA	14.81M	14.29M	14.64M	12.04M	7.79M	6.11M
Net Income	11.75M	11.33M	11.18M	9.30M	5.94M	4.81M
Balance Sheet
Total Assets	664.38M	629.25M	687.93M	693.03M	704.87M	616.60M
Cash, Cash Equivalents and Short-Term Investments	263.98M	64.57M	149.78M	143.23M	370.42M	279.35M
Total Debt	0.00	263.00K	25.35M	427.00K	501.00K	574.00K
Total Liabilities	567.87M	538.08M	607.16M	624.25M	625.79M	542.17M
Stockholders Equity	96.52M	91.17M	80.77M	68.78M	79.07M	74.43M
Cash Flow
Free Cash Flow	0.00	11.73M	11.56M	9.87M	7.95M	4.42M
Operating Cash Flow	0.00	12.55M	12.38M	10.28M	8.08M	4.54M
Investing Cash Flow	0.00	41.81M	13.57M	-93.90M	-45.64M	-53.60M
Financing Cash Flow	0.00	-72.00M	-20.49M	-4.77M	81.22M	97.64M

Jeffersonville Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 22.12
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFBC, the sentiment is Neutral. The current price of 22.12 is below the 20-day moving average (MA) of 22.86, below the 50-day MA of 22.47, and above the 200-day MA of 20.88, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 39.53 is Neutral, neither overbought nor oversold. The STOCH value of 0.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JFBC.

Jeffersonville Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JFBC	78 Outperform	$93.68M	7.88	13.07%	4.82%	-0.59%	7.80%
AUBN	77 Outperform	$90.52M	12.60	8.22%	4.16%	24.17%	739.42%
LSBK	68 Neutral	$114.84M	16.70	5.94%	2.12%	2.27%	66.15%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	66 Neutral	$89.40M	16.98	6.20%	1.48%	1.93%	157.35%
PBHC	54 Neutral	$87.74M	82.09	2.26%	2.86%	0.84%	―