Reviewing Jeffersonville Bancorp (JFBC) & The Competition

Jeffersonville Bancorp (OTCMKTS:JFBCGet Rating) is one of 170 publicly-traded companies in the “National commercial banks” industry, but how does it weigh in compared to its competitors? We will compare Jeffersonville Bancorp to related businesses based on the strength of its institutional ownership, earnings, dividends, valuation, profitability, analyst recommendations and risk.

Analyst Recommendations

This is a summary of current recommendations and price targets for Jeffersonville Bancorp and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jeffersonville Bancorp 0 0 0 0 N/A
Jeffersonville Bancorp Competitors 922 6341 6196 258 2.42

As a group, “National commercial banks” companies have a potential upside of 8.12%. Given Jeffersonville Bancorp’s competitors higher possible upside, analysts clearly believe Jeffersonville Bancorp has less favorable growth aspects than its competitors.

Profitability

This table compares Jeffersonville Bancorp and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Jeffersonville Bancorp N/A 10.05% 1.13%
Jeffersonville Bancorp Competitors 25.58% 11.90% 1.12%

Insider and Institutional Ownership

52.4% of shares of all “National commercial banks” companies are held by institutional investors. 8.4% of Jeffersonville Bancorp shares are held by company insiders. Comparatively, 8.7% of shares of all “National commercial banks” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Jeffersonville Bancorp and its competitors gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Jeffersonville Bancorp $23.27 million $5.94 million 10.56
Jeffersonville Bancorp Competitors $6.91 billion $1.90 billion 10.76

Jeffersonville Bancorp’s competitors have higher revenue and earnings than Jeffersonville Bancorp. Jeffersonville Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Volatility and Risk

Jeffersonville Bancorp has a beta of 0.43, suggesting that its share price is 57% less volatile than the S&P 500. Comparatively, Jeffersonville Bancorp’s competitors have a beta of 0.81, suggesting that their average share price is 19% less volatile than the S&P 500.

Dividends

Jeffersonville Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.0%. Jeffersonville Bancorp pays out 32.1% of its earnings in the form of a dividend. As a group, “National commercial banks” companies pay a dividend yield of 1.9% and pay out 18.0% of their earnings in the form of a dividend.

Summary

Jeffersonville Bancorp competitors beat Jeffersonville Bancorp on 10 of the 12 factors compared.

About Jeffersonville Bancorp

(Get Rating)

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers various deposit products, such as checking, money market, savings, NOW, and retirement accounts, as well as demand and time deposits. It also provides personal loan products, such as auto/RV/motorcycle/boat, home improvement, debt consolidation, check, and other financing; and business loans, including commercial real estate, commercial lines of credit, short-term notes, installment, and commercial vehicle/equipment loans, as well as agricultural and construction loans. In addition, the company offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Further, it provides credit and debit cards; business services, including electronic deposits and withdrawals, and remote check deposits for business customers; and online/mobile banking services. As of February 8, 2022, it had 12 full-service branches in Sullivan and Orange County, New York located 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 based in Jeffersonville, New York.

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