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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

Interest Coverage 1.05
JFBI's Interest Coverage is ranked lower than
99.99% of the 1565 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. JFBI: 1.05 )
Ranked among companies with meaningful Interest Coverage only.
JFBI' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 1.05
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 : 2/10

» JFBI's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

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Q2 2014

JFBI Guru Trades in Q2 2014

Jim Simons Sold Out
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Business Description

Industry: Banks » Savings & Cooperative Banks

Jefferson Bancshares, Inc. is the holding company for Jefferson Federal. Jefferson Federal operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. Jefferson Federal attracts deposits from the general public and uses those funds to originate loans, which it holds for investment. The company's loan portfolio consists of a variety of mortgage, commercial and consumer loans. It offers fixed-rate mortgage loans with terms up to 30 years and adjustable-rate mortgage loans with terms up to 25 years. Jefferson's commercial real estate loans are secured by professional office buildings, shopping centers, manufacturing facilities, hotels, vacant land, churches and, to a lesser extent, by other improved property such as restaurants and retail operations. It offers a variety of consumer loans, including loans secured by automobiles and savings accounts. Other consumer loans include loans on recreational vehicles and boats, debt consolidation loans and personal unsecured debt. The Company is a bank holding company subject to regulation by the Board of Governors of the Federal Reserve System (the 'Federal Reserve Board') under the Bank Holding Company Act of 1956, as amended (the 'BHCA').



Valuation & Return


More Statistics

Revenue (TTM) (Mil) $18.08
EPS (TTM) $ 0.31
Short Percentage of Float0.01%
52-Week Range $5.35 - 8.11
Shares Outstanding (Mil)6.60

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