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JSB Financial Inc. (JFWV)

USD118.00 -4.00 (-3.28%)
US OTC Financial Services Banks - Regional
Address 105 East Washington Street 25443
Shepherdstown, WV, US
CEO Cynthia A. Kitner
Website jsb.bank
IPO 2007-06-20
CIK 1177490 ISIN US4662821002

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Description

JSB Financial Inc. functions as a holding company, established in West Virginia on July 31, 2023. Its primary operations are conducted through its wholly-owned subsidiary, Jefferson Security Bank. This Bank offers a full spectrum of banking services within Jefferson and Berkeley Counties in West Virginia, Washington County in Maryland, and surrounding communities. Jefferson Security Bank, a state-chartered institution in West Virginia, commenced business on May 19, 1869, making it the state's longest continuously operating corporation and bank. It serves a varied client base, including individual customers, businesses, local government entities, community organizations, and aspiring entrepreneurs in its target markets. Furthermore, JSB Financial Inc. holds JSB Financial Services, LLC, a subsidiary that is currently dormant and previously offered financial services.

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
USD118.00 -4.00 (-3.28%)
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Volume Profile
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Liquidity & share structure
Average Volume
74
Beta
0.20
Float Shares
176.1K
Free Float %
68.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +3.33% +3.25% +20.39% +20.39% +24.00% +74.65% +18.10% +96.83% +121.43%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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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

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Revenue composition

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Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
118.00
DCF (Unlevered) 126.06 +6.8%
DCF (Levered) 176.24 +49.4%

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
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +3.4%
  • EPS growth
    +1.4%
  • FCF margin
  • EBIT margin
  • ROIC
  • Share dilution
    +34.4%
  • Debt / EBITDA
Valuation Multiples From To
Price Forecast (3Y) From To
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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 (0.19) × ERP
WACC = 95% × Ke + 5% × Kd (499.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 125.75 Current price: 118.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-07 A 4/5 4/5 4/5 4/5 3/5 4/5 3/5
2026-05-05 A 4/5 4/5 4/5 4/5 3/5 4/5 3/5
2026-04-24 A 4/5 4/5 4/5 4/5 3/5 4/5 3/5
2026-04-17 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
Ownership data is not available for this company yet.

Executive team

Top executives
EBIT / Employee
68.3K
Shares Outstanding
257.5K

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
Filing date Form type Filing
2002-05-02 TA-2

Executive team

NameTitleCompensationGender
Cynthia A. Kitner President, Chief Executive Officer & Director 127.2K female
Monica W. Lingenfelter Corporate Secretary & Independent Director 16.5K female
Dustin T. Branner Executive Vice President & Chief Lending Officer male
Jenna L. Kesecker Executive Vice President & Chief Financial Officer female
Jessica Jacot Senior Vice President & Retail Banking Officer female
Mike Chapman Vice President of Operations & Innovation male
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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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits