Jeffersonville Bancorp (JFBC) AI Stock Analysis

• Market Cap: $112.65M
• Dividend Yield: 4.82%
• Average Volume (3M): 924.00
• Price to Earnings (P/E): 7.4
• Beta (1Y): 0.05
• Revenue Growth: -0.59%
• EPS Growth: 7.80%
• Country: US
• Employees: 79
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 4,235,000
• 10 Day Avg. Volume: 1,014
• 30 Day Avg. Volume: 924
• PEG Ratio: 0.73
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 2.81
• P/FCF Ratio: 7.26
• Enterprise Value/Market Cap: 0.38
• Enterprise Value/Revenue: 1.33
• Enterprise Value/Gross Profit: 1.37
• Enterprise Value/Ebitda: 2.88
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 86 Outperform
• Price Target: $32.00 ▲(44.67% Upside)
• Action: Reiterated Date: 03/29/26
• Date: Action: Reiterated 03/29/26

The score is driven primarily by strong financial performance (high profitability, improving cash generation, and low leverage) and an attractive valuation (low P/E with a solid dividend yield). Technicals are supportive overall due to a clear uptrend, though near-term momentum appears overbought, slightly tempering the rating.

Positive Factors

High and sustainable net margins

Consistently mid-30% net margins across 2022–2025 indicate durable underwriting/pricing strength and operating efficiency for a regional bank. Such margins support internal capital generation, resilience to credit cycles, and sustained ability to fund dividends and reinvestment.

Negative Factors

Large swings in total debt

Material swings in reported total debt across recent years weaken clarity on the credit profile and financing mix. If driven by one-offs or intra-year facilities, they complicate trend analysis and could mask episodic refinancing or liquidity timing risks over the medium term.

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...

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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...

Jeffersonville Bancorp Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	32.13M	34.22M	30.84M	30.09M	27.45M	23.27M
Gross Profit	31.27M	32.59M	30.84M	30.09M	26.64M	22.46M
EBITDA	14.81M	15.84M	14.29M	14.64M	12.04M	7.79M
Net Income	11.75M	12.55M	11.33M	11.18M	9.30M	5.94M
Balance Sheet
Total Assets	664.38M	668.64M	629.25M	687.93M	693.03M	704.87M
Cash, Cash Equivalents and Short-Term Investments	263.98M	72.07M	64.57M	149.78M	143.23M	370.42M
Total Debt	0.00	0.00	263.00K	25.35M	427.00K	501.00K
Total Liabilities	567.87M	563.59M	538.08M	607.16M	624.25M	625.79M
Stockholders Equity	96.52M	105.05M	91.17M	80.77M	68.78M	79.07M
Cash Flow
Free Cash Flow	0.00	13.27M	11.73M	11.56M	9.87M	7.95M
Operating Cash Flow	0.00	14.18M	12.55M	12.38M	10.28M	8.08M
Investing Cash Flow	0.00	-27.19M	41.81M	13.57M	-93.90M	-45.64M
Financing Cash Flow	0.00	20.52M	-72.00M	-20.49M	-4.77M	81.22M

Jeffersonville Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22.12
• 50DMA: Positive
• 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 Positive. The current price of 22.12 is below the 20-day moving average (MA) of 26.64, below the 50-day MA of 25.26, and below the 200-day MA of 22.25, indicating a neutral trend. The MACD of 0.42 indicates Positive momentum. The RSI at 52.99 is Neutral, neither overbought nor oversold. The STOCH value of 19.30 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JFBC.

Jeffersonville Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JFBC	86 Outperform	$112.65M	7.40	12.70%	4.82%	-0.59%	7.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	66 Neutral	$83.88M	12.98	8.27%	4.16%	24.17%	739.42%
LSBK	63 Neutral	$120.48M	15.00	6.26%	2.12%	2.27%	66.15%
PBHC	51 Neutral	$85.71M	-25.99	-2.75%	2.86%	0.84%	―