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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 : 5/10

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

» JFBC's 10-Y Financials


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

» Details

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Dividend & Buy Back

Dividend Yield 4.27
JFBC's Dividend Yield is ranked higher than
71% of the 2292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. JFBC: 4.27 )
Ranked among companies with meaningful Dividend Yield only.
JFBC' s 10-Year Dividend Yield Range
Min: 0  Med: 0.00 Max: 0
Current: 4.27
Dividend Payout 0.50
JFBC's Dividend Payout is ranked lower than
73% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.39 vs. JFBC: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
JFBC' s 10-Year Dividend Payout Range
Min: 0  Med: 0.00 Max: 0
Current: 0.5
Yield on cost (5-Year) 4.27
JFBC's Yield on cost (5-Year) is ranked higher than
61% of the 2279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. JFBC: 4.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
JFBC' s 10-Year Yield on cost (5-Year) Range
Min: 0  Med: 0.00 Max: 0
Current: 4.27

Valuation & Return


Analyst Estimate

Dec13 Dec14
EPS($) 1.36 1.31
EPS without NRI($) 1.36 1.31

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Jeffersonville Bancorp was organized as a New York corporation on January 12, 1982, for the purpose of becoming a registered bank holding company under the Bank Holding Company Act of 1956, as amended. Through its community bank subsidiary, The First National Bank of Jeffersonville, the Company provides traditional banking-related services, which constitute the Company's only business segment. Banking services consist primarily of attracting deposits from the areas served by its banking offices and using those deposits to originate a variety of commercial, consumer, and real estate loans. The Company's primary sources of liquidity are its deposit base; Federal Home Loan Bank borrowings; repayments and maturities on loans; short-term assets such as federal funds and short-term interest bearing deposits in banks; and maturities and sales of securities available for sale. The Bank has three subsidiaries. The Bank directly owns FNBJ Holding Corporation, which is a Real Estate Investment Trust, and two wholly-owned subsidiaries which hold, and thereby limit the liability on, selected foreclosed properties of the Bank. The Bank had eleven additional branch office locations in Bloomingburg, Eldred, Liberty, Loch Sheldrake, Monticello, Livingston Manor, Narrowsburg, Callicoon, Wurtsboro, White Lake and in Monticello. It offers Deposit Products, Loan Products, Commercial Loans and Commercial Real Estate Loans, Consumer Loans, Residential Real Estate Loans, etc.

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