Price
No data yet.
Social Signal Score
Revenue
$7.38M+209.47%Company Profile
- CEO
- Cynthia A. Kitner
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 82
- Beta
- 0.20
- Country
- US
Financials
Revenue
$7.38M+209.5%Net Income
$2.58M+722.9%EBITDA
$2.58M-28.8%EPS (diluted)
$4.40+303.7%Shares Outstanding (diluted)
587.0K+103.8%Cash & Debt
—Dividend per Share
$1.45Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $28.50M | $5.60M | $16.17 |
| 2024 | $27.57M | $4.10M | $15.94 |
| 2023 | $21.31M | $3.04M | $11.15 |
| 2022 | $14.56M | $3.86M | $14.01 |
| 2021 | $13.31M | $3.58M | $12.93 |
| 2020 | $14.48M | $2.88M | $10.30 |
| 2019 | $14.28M | $2.80M | $10.02 |
| 2018 | $13.04M | $2.52M | $8.92 |
| 2017 | $11.59M | $1.43M | $5.07 |
| 2016 | $10.82M | $1.35M | $4.75 |
| 2015 | $10.41M | $1.11M | $3.87 |
| 2014 | $8.59M | $713.2K | $2.48 |
| 2013 | $8.75M | $817.7K | $2.84 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from JFWV's reported EPS growth of 15.6% a year over 12 years.
- EPS in 5 years
- $33.41
- Implied price
- $200.47
- Return from $130.00
- 9.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $99.67 — -23.3% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 2 | 4 | 6 | 8 | 10 |
|---|---|---|---|---|---|
| 5.6% | -20.0% | -8.1% | -0.4% | 5.5% | 10.3% |
| 10.6% | -16.2% | -3.8% | 4.3% | 10.5% | 15.6% |
| 15.6% | -12.5% | 0.6% | 9.0% | 15.5% | 20.8% |
| 20.6% | -8.7% | 4.9% | 13.8% | 20.5% | 26.0% |
| 25.6% | -4.9% | 9.3% | 18.5% | 25.5% | 31.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
80Social Signal Score
Mentions (1)
- Newsbusinesswire.com·1d ago·Negative
JSB Financial Inc. Reports Second Quarter 2026 Results SHEPHERDSTOWN, W.Va.--(BUSINESS WIRE)--JSB Financial Inc. (the Company) (OTCID: JFWV), the bank holding company of Jefferson Security Bank (the Bank), reported unaudited net income of $1.6 million for the second quarter of 2026, representing an increase of $642 thousand, or 65.0% when compared to $987 thousand for second quarter of 2025. Basic and diluted earnings per common share were $6.33 and $3.83 for the second quarter of 2026 and 2025,…
View source ↗