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INDICATIVE · SAMPLE DATA
JFWV.PK56

JSB Financial Inc

BanksVerified

JSB Financial Inc has a fully diluted share count of 257,483, matching its basic shares outstanding, indicating no dilution from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability metrics are not available in the current valuation snapshot, and no industry-specific preferred metrics have been provided for comparison. This limits the ability to assess JSB Financial Inc's performance relative to its peers in the Banks industry. The company's geographic exposure is concentrated in West Virginia and Maryland, with six banking offices. No further details on revenue concentration by segment or geography are available in the provided data. Growth trajectory data is not available in the current outlook, and no numeric deltas for the current or next fiscal year are provided. This limits the ability to assess the company's growth potential. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. Dilution risk is currently assessed as low, with no significant adjustments applied in the valuation. Recent events and filings are not detailed in the provided data, limiting the ability to assess any recent developments that may impact the company's operations or financial position.

30-day price · JFWV.PK(missing data)
No daily-bar history available from current data sources. Alternate source pending.
Profile
CompanyJSB Financial Inc
TickerJFWV.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. JSB Financial Inc is a holding company for Jefferson Security Bank, which operates six banking offices in West Virginia and Maryland, providing a range of banking services including deposits, loans, and digital banking solutions.

Classification. JSB Financial Inc is classified under the Financials sector, specifically in the Banks industry, with a confidence level of 0.92 based on verified market data.

JSB Financial Inc has a fully diluted share count of 257,483, matching its basic shares outstanding, indicating no dilution from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability metrics are not available in the current valuation snapshot, and no industry-specific preferred metrics have been provided for comparison. This limits the ability to assess JSB Financial Inc's performance relative to its peers in the Banks industry. The company's geographic exposure is concentrated in West Virginia and Maryland, with six banking offices. No further details on revenue concentration by segment or geography are available in the provided data. Growth trajectory data is not available in the current outlook, and no numeric deltas for the current or next fiscal year are provided. This limits the ability to assess the company's growth potential. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. Dilution risk is currently assessed as low, with no significant adjustments applied in the valuation. Recent events and filings are not detailed in the provided data, limiting the ability to assess any recent developments that may impact the company's operations or financial position.
Key takeaways
  • JSB Financial Inc is a community bank with a limited geographic footprint in West Virginia and Maryland.
  • The company has no dilution from stock options or convertible securities, as basic and diluted shares outstanding are equal.
  • Liquidity risk could not be assessed due to missing balance-sheet data and lack of going-concern language.
  • No profitability metrics or industry-specific KPIs are available for comparison with peer banks.
  • Growth trajectory and outlook data are not provided, limiting visibility into future performance.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
FY-3
FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
FY-3
FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
FY-3
FY-4
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 7 companies
MetricJFWV.PKActivity
Op margin560.2% medp25 560.2% · p75 560.2%
Net margin459.2% medp25 422.9% · p75 495.5%
Gross margin62.8% medp25 28.5% · p75 92.6%
CapEx / revenue2.6% medp25 1.0% · p75 12.1%
Debt / equity16.8% medp25 13.7% · p75 33.1%
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-08 12:50 UTC#e403045d
Source: analysis-pipeline (hybrid)Generated: 2026-05-03 14:52 UTCJob: 7bdbcde8