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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 0.70
JAXB's Cash to Debt is ranked higher than
68% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. JAXB: 0.70 )
JAXB' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.7

Equity to Asset 0.08
JAXB's Equity to Asset is ranked higher than
59% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. JAXB: 0.08 )
JAXB' s 10-Year Equity to Asset Range
Min: -0.2   Max: 0.57
Current: 0.08

-0.2
0.57
Interest Coverage 0.59
JAXB's Interest Coverage is ranked higher than
58% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. JAXB: 0.59 )
JAXB' s 10-Year Interest Coverage Range
Min: 0.32   Max: 0.59
Current: 0.59

0.32
0.59
F-Score: 6
Z-Score: -0.13
WACC vs ROIC
20.10%
3.93%
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 (%) 9.71
JAXB's Operating margin (%) is ranked higher than
53% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. JAXB: 9.71 )
JAXB' s 10-Year Operating margin (%) Range
Min: -1661.54   Max: 33.54
Current: 9.71

-1661.54
33.54
Net-margin (%) 9.71
JAXB's Net-margin (%) is ranked higher than
54% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. JAXB: 9.71 )
JAXB' s 10-Year Net-margin (%) Range
Min: -1103.85   Max: 21.79
Current: 9.71

-1103.85
21.79
ROE (%) 5.44
JAXB's ROE (%) is ranked higher than
61% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. JAXB: 5.44 )
JAXB' s 10-Year ROE (%) Range
Min: -136.83   Max: 11.89
Current: 5.44

-136.83
11.89
ROA (%) 0.39
JAXB's ROA (%) is ranked higher than
58% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. JAXB: 0.39 )
JAXB' s 10-Year ROA (%) Range
Min: -13.87   Max: 0.87
Current: 0.39

-13.87
0.87
ROC (Joel Greenblatt) (%) 33.86
JAXB's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. JAXB: 33.86 )
JAXB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -620.55   Max: 101.5
Current: 33.86

-620.55
101.5
Revenue Growth (3Y)(%) -65.80
JAXB's Revenue Growth (3Y)(%) is ranked lower than
53% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. JAXB: -65.80 )
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) 33.60
JAXB's P/E(ttm) is ranked higher than
62% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. JAXB: 33.60 )
JAXB' s 10-Year P/E(ttm) Range
Min: 12.01   Max: 1720.86
Current: 33.6

12.01
1720.86
PE(NRI) 34.30
JAXB's PE(NRI) is ranked higher than
66% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. JAXB: 34.30 )
JAXB' s 10-Year PE(NRI) Range
Min: 12.01   Max: 2990
Current: 34.3

12.01
2990
P/B 1.70
JAXB's P/B is ranked higher than
61% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. JAXB: 1.70 )
JAXB' s 10-Year P/B Range
Min: 0.32   Max: 11.26
Current: 1.7

0.32
11.26
P/S 3.24
JAXB's P/S is ranked higher than
65% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. JAXB: 3.24 )
JAXB' s 10-Year P/S Range
Min: 0.17   Max: 6.37
Current: 3.24

0.17
6.37
PFCF 69.30
JAXB's PFCF is ranked higher than
68% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. JAXB: 69.30 )
JAXB' s 10-Year PFCF Range
Min: 0.96   Max: 401.3
Current: 69.3

0.96
401.3
POCF 29.82
JAXB's POCF is ranked higher than
72% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. JAXB: 29.82 )
JAXB' s 10-Year POCF Range
Min: 0.81   Max: 99
Current: 29.82

0.81
99
EV-to-EBIT 39.23
JAXB's EV-to-EBIT is ranked higher than
63% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. JAXB: 39.23 )
JAXB' s 10-Year EV-to-EBIT Range
Min: -1902.3   Max: 2954.3
Current: 39.23

-1902.3
2954.3
Days Sales Outstanding 26.89
JAXB's Days Sales Outstanding is ranked higher than
92% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. JAXB: 26.89 )
JAXB' s 10-Year Days Sales Outstanding Range
Min: 26.89   Max: 108.15
Current: 26.89

26.89
108.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.16
JAXB's Dividend Yield is ranked lower than
55% of the 2226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. JAXB: 2.16 )
JAXB' s 10-Year Dividend Yield Range
Min: 0.73   Max: 2.32
Current: 2.16

0.73
2.32
Dividend Payout 0.72
JAXB's Dividend Payout is ranked higher than
64% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. JAXB: 0.72 )
JAXB' s 10-Year Dividend Payout Range
Min: 0.73   Max: 0.73
Current: 0.72

Yield on cost (5-Year) 2.10
JAXB's Yield on cost (5-Year) is ranked lower than
61% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. JAXB: 2.10 )
JAXB' s 10-Year Yield on cost (5-Year) Range
Min: 0.73   Max: 2.32
Current: 2.1

0.73
2.32
Share Buyback Rate -170.20
JAXB's Share Buyback Rate is ranked lower than
52% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. JAXB: -170.20 )
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 1.80
JAXB's Price/Tangible Book is ranked higher than
66% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. JAXB: 1.80 )
JAXB' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 4.92
Current: 1.8

0.44
4.92
Price/DCF (Projected) 1.20
JAXB's Price/DCF (Projected) is ranked higher than
79% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. JAXB: 1.20 )
JAXB' s 10-Year Price/DCF (Projected) Range
Min: 0.08   Max: 2.03
Current: 1.2

0.08
2.03
Price/Median PS Value 1.50
JAXB's Price/Median PS Value is ranked higher than
64% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. JAXB: 1.50 )
JAXB' s 10-Year Price/Median PS Value Range
Min: 0.09   Max: 2.82
Current: 1.5

0.09
2.82
Price/Graham Number 1.60
JAXB's Price/Graham Number is ranked higher than
64% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. JAXB: 1.60 )
JAXB' s 10-Year Price/Graham Number Range
Min: 0.85   Max: 4.35
Current: 1.6

0.85
4.35
Earnings Yield (Greenblatt) 2.60
JAXB's Earnings Yield (Greenblatt) is ranked higher than
51% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. JAXB: 2.60 )
JAXB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 6.3
Current: 2.6

1.6
6.3
Forward Rate of Return (Yacktman) 201.76
JAXB's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. JAXB: 201.76 )
JAXB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.7   Max: 218
Current: 201.76

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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