OTC · Banks - Regional

Jeffersonville Bancorp (JFBC) Stock

$27.75 +0.00% OTC: JFBC Financial Services

Jeffersonville Bancorp functions as the parent entity for Jeff Bank, a financial institution dedicated to serving its local community. The bank extends a comprehensive suite of banking and financial services to individuals, small businesses, and municipal governments, primarily within Sullivan County, New York, with additional branch presence in Orange County.

Valuation

MetricValue
Price$27.75
Market Cap$117.51M
P/E Ratio8.92
P/B Ratio1.11
P/S Ratio3.38
EPS (TTM)$3.11
52-Week High$28.75
52-Week Low$20.05
Dividend Yield2.88%

Financials & Margins

MetricValue
ROE12.84%
ROA1.93%
ROCE2.44%
Gross Margin95.94%
Operating Margin47.74%
Net Margin37.77%
Debt/Equity0.03
Current Ratio0.14

Annual Financials (USD)

Metric20212022202320242025
Revenue$23.0M$27.0M$30.0M$31.0M$34.0M
Operating Profit$7.0M$11.0M$17.0M$17.0M$16.0M
Net Profit$6.0M$9.0M$11.0M$11.0M$13.0M
EPS$1.40$2.20$2.64$2.68$2.96
Op Margin30.7%41.9%56.1%56.1%46.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$705.0M$693.0M$688.0M$629.0M$669.0M
Total Liabilities$626.0M$624.0M$607.0M$538.0M$564.0M
Cash$165.0M$77.0M$82.0M$65.0M$72.0M
Borrowings$1.0M$0$25.0M$0$3.0M

Latest News

Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association GlobeNewswire · Jun 10, 2026 Jeffersonville Bancorp Announces First Quarter Earnings of $3,282,000 or $0.77 per share; Increases Quarterly Dividend by 33.33% to $0.20 from $0.15 per share GlobeNewswire · May 12, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$8.0M$10.0M$12.0M$13.0M$14.0M
Investing Cash Flow$-46.0M$-94.0M$13.0M$41.0M$-28.0M
Financing Cash Flow$84.0M$-2.0M$-43.0M$-44.0M$23.0M
Net Cash Flow$44.0M$-88.0M$5.0M$-18.0M$0
Free Cash Flow$8.0M$10.0M$12.0M$12.0M$13.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.62
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y42.25%
Return 3Y71.53%
Return 5Y77.35%

Ownership

Insiders Held0.00%
Institutions Held0.01%
Institutions Float Held0.01%
Institutional HolderSharesReport Date
Hudson Valley Investment Advisors Inc31,0942023-06-30

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BEOBBEO Bancorp $58.00 +1.75% 8.79 $141.13M 3.45%
CNBBCNB Community Bancorp, Inc. $50.84 +0.02% 8.25 $102.67M 2.68%
CYVFCrystal Valley Financial Corporation $79.51 +0.00% 9.18 $100.55M 2.62%
FMBMF & M Bank Corp. $39.89 +0.00% 11.84 $141.97M 2.61%
HARLHarleysville Financial Corporation $31.27 -0.41% 9.14 $111.29M 4.48%

About Jeffersonville Bancorp

Jeffersonville Bancorp functions as the parent entity for Jeff Bank, a financial institution dedicated to serving its local community. The bank extends a comprehensive suite of banking and financial services to individuals, small businesses, and municipal governments, primarily within Sullivan County, New York, with additional branch presence in Orange County. Its deposit product lineup features diverse options, including various checking, money market, savings, NOW, and retirement accounts, alongside both demand and time deposits. For personal financing, Jeff Bank offers loans for a range of needs such as vehicles (auto, RV, motorcycle, boat), home improvements, debt consolidation, and general credit. Business clients can access a broad spectrum of lending solutions, encompassing commercial real estate financing, lines of credit, short-term notes, installment loans, and credit for commercial vehicles, equipment, agricultural ventures, and construction projects. The company's mortgage offerings are extensive, covering residential properties, home equity lines of credit, construction loans, and financing for vacant land, manufactured homes, mobile homes, and seasonal residences. Beyond these, Jeff Bank provides credit and debit cards, business-specific services like electronic deposits/withdrawals and remote check deposits, and convenient online and mobile banking platforms. As of February 8, 2022, Jeffersonville Bancorp operated twelve full-service branches located across Sullivan and Orange Counties in New York. These branches are situated 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 headquartered in Jeffersonville, New York.

Jeffersonville Bancorp is headquartered in US.

Jeffersonville Bancorp (JFBC) stock trades at $27.75 with a market capitalization of $117.51M. The stock is valued at a price-to-earnings (P/E) ratio of 8.92, price-to-book of 1.11, price-to-sales of 3.38. Over the past 52 weeks the stock has ranged between $20.05 and $28.75, and currently trades 3.5% below its 52-week high. It pays a dividend yielding 2.88%.

On profitability, Jeffersonville Bancorp generates a return on equity (ROE) of 12.84%, above the typical market average, return on capital employed of 2.44%, an operating margin of 47.74%, a net profit margin of 37.77%.

Official website: www.jeff.bank

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