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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 0.87
JAXB's Cash to Debt is ranked lower than
62% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. JAXB: 0.87 )
Ranked among companies with meaningful Cash to Debt only.
JAXB' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.45 Max: No Debt
Current: 0.87
Equity to Asset 0.08
JAXB's Equity to Asset is ranked lower than
72% of the 1648 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 Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.07 Max: 0.33
Current: 0.08
0.03
0.33
Interest Coverage 1.87
JAXB's Interest Coverage is ranked higher than
53% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. JAXB: 1.87 )
Ranked among companies with meaningful Interest Coverage only.
JAXB' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 0.45 Max: 0.55
Current: 1.87
0.32
0.55
F-Score: 4
M-Score: -2.01
WACC vs ROIC
7.06%
12.81%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 29.01
JAXB's Operating margin (%) is ranked lower than
54% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. JAXB: 29.01 )
Ranked among companies with meaningful Operating margin (%) only.
JAXB' s Operating margin (%) Range Over the Past 10 Years
Min: -192.1  Med: -0.84 Max: 33.54
Current: 29.01
-192.1
33.54
Net-margin (%) 29.03
JAXB's Net-margin (%) is ranked higher than
69% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. JAXB: 29.03 )
Ranked among companies with meaningful Net-margin (%) only.
JAXB' s Net-margin (%) Range Over the Past 10 Years
Min: -191.33  Med: 0.40 Max: 21.79
Current: 29.03
-191.33
21.79
ROE (%) 14.37
JAXB's ROE (%) is ranked higher than
80% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. JAXB: 14.37 )
Ranked among companies with meaningful ROE (%) only.
JAXB' s ROE (%) Range Over the Past 10 Years
Min: -136.83  Med: 0.21 Max: 11.89
Current: 14.37
-136.83
11.89
ROA (%) 1.12
JAXB's ROA (%) is ranked higher than
67% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. JAXB: 1.12 )
Ranked among companies with meaningful ROA (%) only.
JAXB' s ROA (%) Range Over the Past 10 Years
Min: -7.64  Med: 0.02 Max: 0.87
Current: 1.12
-7.64
0.87
Revenue Growth (3Y)(%) -69.30
JAXB's Revenue Growth (3Y)(%) is ranked lower than
99% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. JAXB: -69.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
JAXB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.00 Max: 81.2
Current: -69.3
0
81.2
EBITDA Growth (3Y)(%) -92.80
JAXB's EBITDA Growth (3Y)(%) is ranked lower than
100% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. JAXB: -92.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
JAXB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -51.90 Max: 32.8
Current: -92.8
0
32.8
EPS Growth (3Y)(%) -59.30
JAXB's EPS Growth (3Y)(%) is ranked lower than
97% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. JAXB: -59.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
JAXB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -59.30 Max: 40.6
Current: -59.3
0
40.6
» JAXB's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FCCY, NAS:ACFC, NAS:UNTY, OTCPK:FNCB, NAS:FCCO, NAS:OPOF » details
Jacksonville Bancorp Inc is a one-bank holding company engaged in the ownership and operation of the Bank. The Company through its state-chartered commercial bank subsidiaries provides commercial and retail banking services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 16.96
JAXB's P/E(ttm) is ranked lower than
70% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. JAXB: 16.96 )
Ranked among companies with meaningful P/E(ttm) only.
JAXB' s P/E(ttm) Range Over the Past 10 Years
Min: 12.01  Med: 23.53 Max: 1720.86
Current: 16.96
12.01
1720.86
PE(NRI) 16.96
JAXB's PE(NRI) is ranked lower than
70% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. JAXB: 16.96 )
Ranked among companies with meaningful PE(NRI) only.
JAXB' s PE(NRI) Range Over the Past 10 Years
Min: 12.01  Med: 23.59 Max: 2990
Current: 16.96
12.01
2990
Price/Owner Earnings (ttm) 16.02
JAXB's Price/Owner Earnings (ttm) is ranked lower than
67% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. JAXB: 16.02 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
JAXB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 10.73  Med: 28.13 Max: 1297.79
Current: 16.02
10.73
1297.79
P/B 2.27
JAXB's P/B is ranked lower than
89% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. JAXB: 2.27 )
Ranked among companies with meaningful P/B only.
JAXB' s P/B Range Over the Past 10 Years
Min: 0.32  Med: 1.66 Max: 11.26
Current: 2.27
0.32
11.26
P/S 4.95
JAXB's P/S is ranked lower than
81% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. JAXB: 4.95 )
Ranked among companies with meaningful P/S only.
JAXB' s P/S Range Over the Past 10 Years
Min: 0.17  Med: 2.06 Max: 6.21
Current: 4.95
0.17
6.21
PFCF 25.08
JAXB's PFCF is ranked lower than
87% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.24 vs. JAXB: 25.08 )
Ranked among companies with meaningful PFCF only.
JAXB' s PFCF Range Over the Past 10 Years
Min: 0.96  Med: 14.40 Max: 600
Current: 25.08
0.96
600
POCF 19.68
JAXB's POCF is ranked lower than
87% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. JAXB: 19.68 )
Ranked among companies with meaningful POCF only.
JAXB' s POCF Range Over the Past 10 Years
Min: 0.81  Med: 11.76 Max: 70.26
Current: 19.68
0.81
70.26
EV-to-EBIT 17.66
JAXB's EV-to-EBIT is ranked lower than
67% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. JAXB: 17.66 )
Ranked among companies with meaningful EV-to-EBIT only.
JAXB' s EV-to-EBIT Range Over the Past 10 Years
Min: -1894.4  Med: -1.10 Max: 2954.3
Current: 17.66
-1894.4
2954.3
EV-to-EBITDA 16.15
JAXB's EV-to-EBITDA is ranked lower than
67% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. JAXB: 16.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
JAXB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -318.3  Med: 15.90 Max: 2013.9
Current: 16.15
-318.3
2013.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.51
JAXB's Dividend Yield is ranked lower than
96% of the 2222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. JAXB: 0.51 )
Ranked among companies with meaningful Dividend Yield only.
JAXB' s Dividend Yield Range Over the Past 10 Years
Min: 0.51  Med: 1.51 Max: 2.32
Current: 0.51
0.51
2.32
Forward Dividend Yield 2.05
JAXB's Forward Dividend Yield is ranked lower than
74% of the 2081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. JAXB: 2.05 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.51
JAXB's Yield on cost (5-Year) is ranked lower than
95% of the 2484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. JAXB: 0.51 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
JAXB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.51  Med: 1.51 Max: 2.32
Current: 0.51
0.51
2.32
3-Year Average Share Buyback Ratio -171.40
JAXB's 3-Year Average Share Buyback Ratio is ranked lower than
98% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. JAXB: -171.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
JAXB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -218.6  Med: -11.90 Max: 0
Current: -171.4
-218.6
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.28
JAXB's Price/Tangible Book is ranked lower than
88% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. JAXB: 2.28 )
Ranked among companies with meaningful Price/Tangible Book only.
JAXB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.44  Med: 1.38 Max: 4.92
Current: 2.28
0.44
4.92
Price/Projected FCF 1.68
JAXB's Price/Projected FCF is ranked lower than
93% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. JAXB: 1.68 )
Ranked among companies with meaningful Price/Projected FCF only.
JAXB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.83 Max: 3.61
Current: 1.68
0.08
3.61
Price/Median PS Value 2.40
JAXB's Price/Median PS Value is ranked lower than
97% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. JAXB: 2.40 )
Ranked among companies with meaningful Price/Median PS Value only.
JAXB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.1  Med: 1.61 Max: 4.35
Current: 2.4
0.1
4.35
Price/Graham Number 1.31
JAXB's Price/Graham Number is ranked lower than
83% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. JAXB: 1.31 )
Ranked among companies with meaningful Price/Graham Number only.
JAXB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.85  Med: 1.56 Max: 9.58
Current: 1.31
0.85
9.58
Earnings Yield (Greenblatt) (%) 5.70
JAXB's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. JAXB: 5.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
JAXB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 4.70 Max: 7.5
Current: 5.7
1.6
7.5
Forward Rate of Return (Yacktman) (%) 156.01
JAXB's Forward Rate of Return (Yacktman) (%) is ranked higher than
98% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. JAXB: 156.01 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
JAXB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 2.3  Med: 29.00 Max: 218
Current: 156.01
2.3
218

More Statistics

Revenue (TTM) (Mil) $19.30
EPS (TTM) $ 0.97
Beta0.47
Short Percentage of Float0.15%
52-Week Range $10.56 - 19.52
Shares Outstanding (Mil)5.80
» More Articles for JAXB

Headlines

Articles On GuruFocus.com
JAXB and ATBC – Merger Arbitrage with Attractive Paper Profits Oct 30 2010 
Weekly Top Insider Buys: Northern Trust Corp., Starwood Hotels & Resorts Worldwide Inc., Post Proper Nov 13 2007 

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