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Jeffersonville Bancorp (JFBC)

USD27.56 -0.09 (-0.33%)
US OTC Financial Services Banks - Regional
Address 4866 State Route 52 12748
Jeffersonville, NY, US
CEO George W. Kinne Jr.
IPO 1998-06-03
ISIN US47559A1034

Explore sections of this company profile

Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD27.56 -0.09 (-0.33%)
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Volume Profile
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Liquidity & share structure
Average Volume
862
Beta
0.13
Float Shares
3.75M
Free Float %
88.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.07% -2.39% -1.19% +9.68% +22.96% +20.58% +33.76% +52.76% +49.18% +103.11% +393.17%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
27.56
DCF (Unlevered) 164.45 +496.7%
DCF (Levered) 163.44 +493.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.63
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +11.0% Q1'26: +6.0% (vs Q1'25)
  • EPS growth
    +10.5% Q1'26: +21.9% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +48.0% (vs Q1'25)
  • ROIC
    Q1'26: +53.6% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.14) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 162.01 Current price: 27.56
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2010
actual
Dec 2011
actual
Revenue
25.00M
est: 20.19M (+23.8%)
24.53M
est: 20.96M (+17.0%)
EBITDA
4.12M
est: 8.07M (-48.9%)
5.20M
est: 8.38M (-37.9%)
EBIT
3.41M
est: 7.68M (-55.6%)
4.46M
est: 7.98M (-44.1%)
Net Income
3.13M
3.91M
SGA
8.53M
est: 8.11M (+5.2%)
7.95M
est: 8.42M (-5.6%)
EPS
0.74
0.92
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-11 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-08 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-05-06 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-05-04 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-05-01 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-30 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-29 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-28 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-27 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-24 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-23 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-22 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-21 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-20 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-17 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-490.9K
OE per share TTM
-0.12
Owner's Yield
-0.41%
Maintenance CapEx ratio
2.91%
Maint CapEx / Avg PPE
22.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
200.6K
Shares Outstanding
4.23M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Tatiana C. Hahn Chief Lending Officer & Executive Vice President 169.5K female
John A. Russell Executive Vice President, Treasurer & Chief Financial Officer 167.5K male
George W. Kinne Jr. Chief Executive Officer, President & Director 143.8K male
Florence Horecky Vice President & Operations Officer female
Abigail Opper Vice President & Controller
Tanja McKerrell Senior Vice President & Senior Loan Officer female
Frederick W. Stabbert Corporate Secretary & Director male
Amber Benson Vice President, Compliance Officer & Audit Coordinator female
Claire C. Taggart Senior Vice President & Human Resources Director female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits