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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.04
JAXB's Cash to Debt is ranked lower than
55% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. JAXB: 1.04 )
Ranked among companies with meaningful Cash to Debt only.
JAXB' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 1.04

Equity to Asset 0.08
JAXB's Equity to Asset is ranked lower than
70% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. JAXB: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
JAXB' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.33
Current: 0.08

0.03
0.33
Interest Coverage 0.59
JAXB's Interest Coverage is ranked lower than
77% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. JAXB: 0.59 )
Ranked among companies with meaningful Interest Coverage only.
JAXB' s 10-Year Interest Coverage Range
Min: 0.32   Max: 0.59
Current: 0.59

0.32
0.59
F-Score: 7
Z-Score: -0.12
WACC vs ROIC
19.47%
6.14%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 14.20
JAXB's Operating margin (%) is ranked lower than
80% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. JAXB: 14.20 )
Ranked among companies with meaningful Operating margin (%) only.
JAXB' s 10-Year Operating margin (%) Range
Min: -1661.54   Max: 33.54
Current: 14.2

-1661.54
33.54
Net-margin (%) 14.13
JAXB's Net-margin (%) is ranked lower than
73% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. JAXB: 14.13 )
Ranked among companies with meaningful Net-margin (%) only.
JAXB' s 10-Year Net-margin (%) Range
Min: -1103.85   Max: 21.79
Current: 14.13

-1103.85
21.79
ROE (%) 7.75
JAXB's ROE (%) is ranked lower than
52% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. JAXB: 7.75 )
Ranked among companies with meaningful ROE (%) only.
JAXB' s 10-Year ROE (%) Range
Min: -136.83   Max: 11.89
Current: 7.75

-136.83
11.89
ROA (%) 0.57
JAXB's ROA (%) is ranked lower than
65% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. JAXB: 0.57 )
Ranked among companies with meaningful ROA (%) only.
JAXB' s 10-Year ROA (%) Range
Min: -13.87   Max: 0.87
Current: 0.57

-13.87
0.87
ROC (Joel Greenblatt) (%) 52.19
JAXB's ROC (Joel Greenblatt) (%) is ranked lower than
61% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. JAXB: 52.19 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
JAXB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -620.55   Max: 101.5
Current: 52.19

-620.55
101.5
Revenue Growth (3Y)(%) -65.80
JAXB's Revenue Growth (3Y)(%) is ranked lower than
98% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. JAXB: -65.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
JAXB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 81.2
Current: -65.8

0
81.2
» JAXB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 22.60
JAXB's P/E(ttm) is ranked lower than
82% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. JAXB: 22.60 )
Ranked among companies with meaningful P/E(ttm) only.
JAXB' s 10-Year P/E(ttm) Range
Min: 12.01   Max: 1720.86
Current: 22.6

12.01
1720.86
PE(NRI) 22.50
JAXB's PE(NRI) is ranked lower than
82% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. JAXB: 22.50 )
Ranked among companies with meaningful PE(NRI) only.
JAXB' s 10-Year PE(NRI) Range
Min: 12.01   Max: 2990
Current: 22.5

12.01
2990
P/B 1.70
JAXB's P/B is ranked lower than
80% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. JAXB: 1.70 )
Ranked among companies with meaningful P/B only.
JAXB' s 10-Year P/B Range
Min: 0.32   Max: 11.26
Current: 1.7

0.32
11.26
P/S 3.20
JAXB's P/S is ranked lower than
57% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. JAXB: 3.20 )
Ranked among companies with meaningful P/S only.
JAXB' s 10-Year P/S Range
Min: 0.17   Max: 6.37
Current: 3.2

0.17
6.37
PFCF 33.60
JAXB's PFCF is ranked lower than
88% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. JAXB: 33.60 )
Ranked among companies with meaningful PFCF only.
JAXB' s 10-Year PFCF Range
Min: 0.96   Max: 401.3
Current: 33.6

0.96
401.3
POCF 20.77
JAXB's POCF is ranked lower than
85% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. JAXB: 20.77 )
Ranked among companies with meaningful POCF only.
JAXB' s 10-Year POCF Range
Min: 0.81   Max: 121
Current: 20.77

0.81
121
EV-to-EBIT 22.17
JAXB's EV-to-EBIT is ranked lower than
74% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. JAXB: 22.17 )
Ranked among companies with meaningful EV-to-EBIT only.
JAXB' s 10-Year EV-to-EBIT Range
Min: -1902.3   Max: 2954.3
Current: 22.17

-1902.3
2954.3
Days Sales Outstanding 25.93
JAXB's Days Sales Outstanding is ranked higher than
67% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. JAXB: 25.93 )
Ranked among companies with meaningful Days Sales Outstanding only.
JAXB' s 10-Year Days Sales Outstanding Range
Min: 26.89   Max: 108.15
Current: 25.93

26.89
108.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.45
JAXB's Dividend Yield is ranked lower than
76% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. JAXB: 1.45 )
Ranked among companies with meaningful Dividend Yield only.
JAXB' s 10-Year Dividend Yield Range
Min: 0.73   Max: 2.32
Current: 1.45

0.73
2.32
Dividend Payout 0.33
JAXB's Dividend Payout is ranked lower than
51% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. JAXB: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
JAXB' s 10-Year Dividend Payout Range
Min: 0.57   Max: 0.89
Current: 0.33

0.57
0.89
Yield on cost (5-Year) 1.50
JAXB's Yield on cost (5-Year) is ranked lower than
79% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. JAXB: 1.50 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
JAXB' s 10-Year Yield on cost (5-Year) Range
Min: 0.73   Max: 2.32
Current: 1.5

0.73
2.32
Share Buyback Rate -170.20
JAXB's Share Buyback Rate is ranked lower than
99% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. JAXB: -170.20 )
Ranked among companies with meaningful Share Buyback Rate only.
JAXB' s 10-Year Share Buyback Rate Range
Min: 0   Max: -247.7
Current: -170.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
JAXB's Price/Tangible Book is ranked lower than
71% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. JAXB: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
JAXB' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 4.92
Current: 1.7

0.44
4.92
Price/DCF (Projected) 1.20
JAXB's Price/DCF (Projected) is ranked lower than
77% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. JAXB: 1.20 )
Ranked among companies with meaningful Price/DCF (Projected) only.
JAXB' s 10-Year Price/DCF (Projected) Range
Min: 0.08   Max: 3.61
Current: 1.2

0.08
3.61
Price/Median PS Value 1.40
JAXB's Price/Median PS Value is ranked lower than
75% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. JAXB: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
JAXB' s 10-Year Price/Median PS Value Range
Min: 0.09   Max: 8.42
Current: 1.4

0.09
8.42
Price/Graham Number 1.30
JAXB's Price/Graham Number is ranked lower than
80% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. JAXB: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
JAXB' s 10-Year Price/Graham Number Range
Min: 0.85   Max: 28.29
Current: 1.3

0.85
28.29
Earnings Yield (Greenblatt) 4.50
JAXB's Earnings Yield (Greenblatt) is ranked lower than
67% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. JAXB: 4.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
JAXB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 6.3
Current: 4.5

1.6
6.3
Forward Rate of Return (Yacktman) 207.90
JAXB's Forward Rate of Return (Yacktman) is ranked higher than
98% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. JAXB: 207.90 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
JAXB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.7   Max: 218
Current: 207.9

0.7
218

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Jacksonville Bancorp Inc was incorporated under the laws of the State of Florida on October 24, 1997 for the purpose of organizing the Bank. It is a one-bank holding company owning 100% of the outstanding shares of the Bank. The Company's only business is the ownership and operation of the Bank, which opened for business on May 28, 1999. The Bank is a Florida state-chartered commercial bank, and its deposits are insured by the FDIC. Its market area is all of Duval County mainly the Southside, Westside, Arlington, Mandarin and Downtown areas of Jacksonville and Jacksonville Beach, Florida, in addition to surrounding communities within the St. Johns, Clay and Nassau counties. Jacksonville is the largest city by area in the United States covering 747 square miles. Duval County has a strong commercial and industrial base, which has been steadily expanding in recent years. Financial institutions compete with one another for deposits. The Company is in competition with existing area financial institutions, including commercial banks and savings institutions, insurance companies, consumer finance companies, brokerage houses, mortgage banking companies, credit unions, and other business entities which target traditional banking markets, through offices, mail, the internet, mobile devices and otherwise. Its primary business segment is community banking and consists of attracting deposits from the general public and using such deposits and other sources of funds to originate commercial business loans, commercial real estate loans, residential mortgage loans, and a variety of consumer loans. The Company is regulated by the Federal Reserve Board under the Federal Bank Holding Company Act.
» More Articles for JAXB

Headlines

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