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COMPANY SUMMARY
JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services in West Virginia. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft and sweep protection, and certificates of deposit, as well as cash management solutions. The company provides loan products comprising personal and vehicle, mortgage, construction, commercial, and home equity loans, as well as loans to small businesses. It also offers internet and mobile banking, bill pay, cash management, remote deposit capture, merchant, and credit and debit card services. The company provides its services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. JSB Financial Inc. was founded in 1869 and is headquartered in Shepherdstown, West Virginia.
Financial Summary
| Share Statistics | JFWV | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $32.2 | $716.9 | 13% |
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| Shares Out (Mil) | 0.3 | 15.7 | 2% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | 0.3 | 21.2 | 0% |
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| Beta | 0.20 | 0.48 | 12% |
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| Avg Daily Volume (000s) | 0 | 53 | 0% |
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| Price Change (52-week) |
95.7% | 96.7% | 91% |
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| Growth | JFWV | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 8.3% | 7.6% | 52% |
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| Net Income (5yr) | 7.7% | 11.1% | 51% |
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| EPS (5yr) | 9.4% | 10.1% | 45 |
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| Dividends (5yr) | (14.9%) | 3.6% | 0% |
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| Cash Flow (5yr) | (13.3%) | (17.0%) | 56% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | JFWV | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $18 | $190 | 12% |
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| Net Income (TTM) (Mil) | $4 | $51 | 43% |
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| EPS (TTM) | $16.174 | $2.500 | 97% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $0 | $100 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | JFWV | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.77 | 1.27 | 47% |
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| P/E | 7.7 | 12.9 | 9% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | 0.8 | 1.1 | 38% |
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| Ratios | JFWV | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 23.6% | 28.9% | 83% |
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| ROA | 2.8% | 1.0% | 61% |
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| ROE | 40.9% | 11.1% | 91% |
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| Liabilities to Assets | 93.1% | 89.8% | 90% |
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| F-Score | 1 | 4 | na |
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JSB Financial Inc. did not pass any screens on 7/31/2026.
