Head to Head Contrast: National Bankshares (NASDAQ:NKSH) & Jeffersonville Bancorp (OTCMKTS:JFBC)

National Bankshares (NASDAQ:NKSHGet Rating) and Jeffersonville Bancorp (OTCMKTS:JFBCGet Rating) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, institutional ownership, valuation, profitability, analyst recommendations, earnings and dividends.

Profitability

This table compares National Bankshares and Jeffersonville Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
National Bankshares 38.79% 14.55% 1.28%
Jeffersonville Bancorp N/A 10.05% 1.13%

Earnings & Valuation

This table compares National Bankshares and Jeffersonville Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
National Bankshares $53.41 million 4.34 $20.38 million N/A N/A
Jeffersonville Bancorp $23.27 million 3.64 $5.94 million $1.87 10.70

National Bankshares has higher revenue and earnings than Jeffersonville Bancorp.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for National Bankshares and Jeffersonville Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
National Bankshares 0 1 0 0 2.00
Jeffersonville Bancorp 0 0 0 0 N/A

National Bankshares currently has a consensus target price of $37.50, indicating a potential downside of 3.85%. Given National Bankshares’ higher probable upside, equities research analysts plainly believe National Bankshares is more favorable than Jeffersonville Bancorp.

Volatility & Risk

National Bankshares has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500. Comparatively, Jeffersonville Bancorp has a beta of 0.43, suggesting that its stock price is 57% less volatile than the S&P 500.

Dividends

National Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 3.7%. 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.

Insider & Institutional Ownership

23.8% of National Bankshares shares are held by institutional investors. 2.8% of National Bankshares shares are held by insiders. Comparatively, 8.4% of Jeffersonville Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

National Bankshares beats Jeffersonville Bancorp on 11 of the 12 factors compared between the two stocks.

About National Bankshares

(Get Rating)

National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. The company accepts interest-bearing and non-interest bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Its loan products include commercial and agricultural, commercial real estate, residential real estate, home equity, and various consumer loan products, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit and credit cards; letters of credit, night depository services, safe deposit boxes, utility payment services, and automatic funds transfer; wealth management, trust, and estate services; non-deposit investment and insurance products; and telephone, mobile, and Internet banking services. It operates 23 branch offices, a loan production office, and 22 automated teller machines in Southwest Virginia. National Bankshares, Inc. was founded in 1891 and is headquartered in Blacksburg, Virginia.

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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