Jeffersonville Bancorp

Jeffersonville Bancorp maintains a relatively conservative capital structure, with a debt-to-equity ratio of 0.3, indicating a low reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints. The return on equity (ROE) of 3.13% is below the industry median, while the return on assets (ROA) of 0.37% also lags behind the sector average, indicating suboptimal asset utilization and profitability.

The company's profitability metrics, particularly ROE and ROA, are below the industry benchmarks, which may signal inefficiencies in capital deployment or competitive pressures. The net income of $2.55 million on $6.7 million in revenue yields a net margin of 38%, which is relatively high but not sufficient to offset the low ROA and ROE. This suggests that while the company is generating a decent profit margin, it is not effectively leveraging its asset base to generate returns.

Jeffersonville Bancorp's revenue is not segmented by product or geography in the available data, making it difficult to assess the diversification of its income streams. However, the company's total assets of $694.38 million and total liabilities of $612.85 million suggest a regional banking model with a focus on local markets. The lack of geographic or segment breakdown limits the ability to evaluate exposure to specific economic or regulatory risks.

The company's growth trajectory is not clearly defined in the available data, as there are no forward-looking revenue or earnings guidance figures provided. The last reported actual revenue of $19.6 million and EPS of $0.80 suggest a stable but modest performance, but without historical comparisons or future projections, it is difficult to assess the company's growth potential.

The risk assessment indicates a medium liquidity risk and a low dilution risk, with no immediate pressure for equity issuance. The company's capital structure is relatively stable, with a low debt-to-equity ratio and no significant short-term debt obligations. However, the negative net cash position after subtracting total debt raises concerns about the company's ability to meet short-term obligations without external financing.

Recent events and filings do not provide specific details on material developments, but the company's financial performance and risk profile suggest a need for continued monitoring of its capital adequacy and liquidity management. The absence of detailed disclosures on strategic initiatives or regulatory changes further limits the ability to assess the company's long-term prospects.

Net income grew 17.5% annually over four years, demonstrating strong historical profitability expansion for the bank.

Total equity increased 32.5% year-over-year, indicating robust capital accumulation and balance sheet strengthening.

Revenue expanded 16.9% year-over-year, reflecting solid top-line growth momentum in recent fiscal periods.

The debt-to-equity ratio of 0.3 is below the cohort median of 0.28, suggesting conservative leverage.

Return on equity of 3.1% lags the banking cohort median of 6.0%, indicating inferior capital efficiency.

Return on assets of 0.37% is extremely low, highlighting weak profitability relative to the asset base.

The company faces medium liquidity risk, which could constrain operational flexibility during market stress.

Free cash flow declined slightly year-over-year, suggesting potential pressure on cash generation capabilities.

Revenue $7.4M, +8,8% YoY; Net income +8,6% YoY.

• ▍Revenue $7.4M, +8,8% YoY
• ▍Net income +8,6% YoY
• ▍Net margin 44.6%

Revenue $7.0M, +4,2% YoY; Net income +6,5% YoY.

• ▍Revenue $7.0M, +4,2% YoY
• ▍Net income +6,5% YoY
• ▍Net margin 38.9%

Revenue $6.8M; Net margin 39.0%.

• ▍Revenue $6.8M
• ▍Net margin 39.0%

Revenue $29.5M, +8,0% YoY; Net income +10,8% YoY.

• ▍Revenue $29.5M, +8,0% YoY
• ▍Net income +10,8% YoY
• ▍Free cash flow −3,8% YoY
• ▍Net margin 42.6%

Revenue $26.8M, +14,7% YoY; Net income +20,1% YoY.

• ▍Revenue $26.8M, +14,7% YoY
• ▍Net income +20,1% YoY
• ▍Free cash flow +14,9% YoY
• ▍Net margin 41.7%

Revenue $18.6M; Net margin 32.0%.

• ▍Revenue $18.6M
• ▍Net margin 32.0%