Ratios

		vs industry	vs history
P/B	1.64	JAXB's P/B is ranked higher than 51% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.90 vs. JAXB: 1.64 )	JAXB' s 10-Year P/B Range Min: 0.09   Max: 3.32 Current: 1.64 0.09 3.32
P/S	0.14	JAXB's P/S is ranked higher than 95% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. JAXB: 0.14 )	JAXB' s 10-Year P/S Range Min: 0.14   Max: 7.1 Current: 0.14 0.14 7.1
PFCF	2.08	JAXB's PFCF is ranked higher than 77% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 6.70 vs. JAXB: 2.08 )	JAXB' s 10-Year PFCF Range Min: 0.96   Max: 137.14 Current: 2.08 0.96 137.14
EV-to-EBIT	-1.92	JAXB's EV-to-EBIT is ranked lower than 75% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 16.90 vs. JAXB: -1.92 )	JAXB' s 10-Year EV-to-EBIT Range Min: 9.9   Max: 65.5 Current: -1.92 9.9 65.5
Shiller P/E	5.2	JAXB's Shiller P/E is ranked lower than 85% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.60 vs. JAXB: 5.2 )	JAXB' s 10-Year Shiller P/E Range Min: 7.43   Max: 75.71 Current: 5.2 7.43 75.71

Valuation & Return

		vs industry	vs history
Price/Tangible Book	1.2	JAXB's Price/Tangible Book is ranked lower than 68% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.00 vs. JAXB: 1.2 )	JAXB' s 10-Year Price/Tangible Book Range Min: 0.1   Max: 3 Current: 1.2 0.1 3
Price/DCF (Projected)	1.2	JAXB's Price/DCF (Projected) is ranked lower than 55% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.50 vs. JAXB: 1.2 )	JAXB' s 10-Year Price/DCF (Projected) Range Min: 0.1   Max: 1.5 Current: 1.2 0.1 1.5
Price/Median PS Value	1.2	JAXB's Price/Median PS Value is ranked lower than 73% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. JAXB: 1.2 )	JAXB' s 10-Year Price/Median PS Value Range Min: 0.1   Max: 1.8 Current: 1.2 0.1 1.8
Earnings Yield (Greenblatt)	0.90	JAXB's Earnings Yield (Greenblatt) is ranked lower than 61% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.80 vs. JAXB: 0.90 )	JAXB' s 10-Year Earnings Yield (Greenblatt) Range Min: 1.5   Max: 10.1 Current: 0.9 1.5 10.1
Forward Rate of Return (Yacktman)	211.54	JAXB's Forward Rate of Return (Yacktman) is ranked higher than 96% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.01 vs. JAXB: 211.54 )	JAXB' s 10-Year Forward Rate of Return (Yacktman) Range Min: 2.4   Max: 50.3 Current: 211.54 2.4 50.3

Business Description

Jacksonville Bancorp Inc (FL) was incorporated under the laws of the State of Florida on October 24, 1997. It operates as a bank holding company for The Jacksonville Bank. The Company offers a variety of competitive commercial and retail banking services. In order to compete with the financial institutions in the market, it uses its independent status to the fullest extent. This includes an emphasis on specialized services for small business owners with a particular focus on the medical and legal sectors. Additionally, it relies on the professional and personal relationships of its officers, directors and employees. Loan participations are arranged for customers whose loan demands exceed legal lending limits. The Company's product lines include personal and business online banking, and sweep accounts that may be invested in Goldman Sachs mutual funds, in addition to its traditional banking products. The Company's market area is all of Duval County (primarily the Southside, Westside, Arlington, Mandarin and Downtown areas of Jacksonville and Jacksonville Beach). Jacksonville is the largest city by area in the United States covering 841 square miles and is a financial and insurance center. The Company offers a range of deposit accounts, including commercial and retail checking, money market, individual retirement and statement savings accounts, and certificates of deposit with fixed rates and a range of maturity options. Commercial real estate loans are typically segmented into three categories: owner occupied commercial properties, properties used by non-profit organizations (i.e., churches and schools) and commercial properties leased to third parties for investment purposes. Residential real estate loans include loans secured by first or second mortgages and home equity loans on one-to-four family residential properties. The Bank provides construction permanent loans to borrowers to finance the construction of owner occupied and lease properties. These loans are categorized as construction loans during the construction period, later converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins. Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of the project and on an acceptable percentage of the appraised value of the property securing the loan. Commercial loans are mainly underwritten on the basis of the borrowers' ability to service such debt from income. Bank holding companies and banks are extensively regulated under federal and state law.
Company Website
SEC Reports

Industry:	Banks - Regional - US
Compare:	MTB, USB, PNC, PB, CFR

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