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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 0.31
JFBI's Cash to Debt is ranked higher than
60% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. JFBI: 0.31 )
JFBI' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.31

Equity to Asset 0.11
JFBI's Equity to Asset is ranked higher than
77% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. JFBI: 0.11 )
JFBI' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.31
Current: 0.11

0.09
0.31
Interest Coverage 0.68
JFBI's Interest Coverage is ranked higher than
58% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. JFBI: 0.68 )
JFBI' s 10-Year Interest Coverage Range
Min: 0.27   Max: 1.15
Current: 0.68

0.27
1.15
F-Score: 5
Z-Score: 0.17
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 : 5/10

vs
industry
vs
history
Operating margin (%) 15.47
JFBI's Operating margin (%) is ranked higher than
57% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. JFBI: 15.47 )
JFBI' s 10-Year Operating margin (%) Range
Min: -115.56   Max: 48.29
Current: 15.47

-115.56
48.29
Net-margin (%) 10.77
JFBI's Net-margin (%) is ranked higher than
57% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. JFBI: 10.77 )
JFBI' s 10-Year Net-margin (%) Range
Min: -106.74   Max: 30.65
Current: 10.77

-106.74
30.65
ROE (%) 3.63
JFBI's ROE (%) is ranked higher than
57% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. JFBI: 3.63 )
JFBI' s 10-Year ROE (%) Range
Min: -35.29   Max: 10.33
Current: 3.63

-35.29
10.33
ROA (%) 0.39
JFBI's ROA (%) is ranked higher than
59% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. JFBI: 0.39 )
JFBI' s 10-Year ROA (%) Range
Min: -3.71   Max: 1.15
Current: 0.39

-3.71
1.15
ROC (Joel Greenblatt) (%) 10.99
JFBI's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. JFBI: 10.99 )
JFBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -86.68   Max: 107.07
Current: 10.99

-86.68
107.07
Revenue Growth (%) -6.50
JFBI's Revenue Growth (%) is ranked higher than
60% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. JFBI: -6.50 )
JFBI' s 10-Year Revenue Growth (%) Range
Min: -32.6   Max: 19.8
Current: -6.5

-32.6
19.8
» JFBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

JFBI Guru Trades in Q3 2013

Jim Simons 16,300 sh (+17.27%)
» More
Q4 2013

JFBI Guru Trades in Q4 2013

Jim Simons 21,700 sh (+33.13%)
» More
Q1 2014

JFBI Guru Trades in Q1 2014

Jim Simons 29,500 sh (+35.94%)
» More
Q2 2014

JFBI Guru Trades in Q2 2014

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with JFBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 25.90
JFBI's P/E(ttm) is ranked higher than
68% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. JFBI: 25.90 )
JFBI' s 10-Year P/E(ttm) Range
Min: 11.74   Max: 837.5
Current: 25.9

11.74
837.5
P/B 0.97
JFBI's P/B is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. JFBI: 0.97 )
JFBI' s 10-Year P/B Range
Min: 0.24   Max: 1.26
Current: 0.97

0.24
1.26
P/S 2.78
JFBI's P/S is ranked higher than
80% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. JFBI: 2.78 )
JFBI' s 10-Year P/S Range
Min: 0.6   Max: 8.27
Current: 2.78

0.6
8.27
PFCF 9.44
JFBI's PFCF is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. JFBI: 9.44 )
JFBI' s 10-Year PFCF Range
Min: 1.78   Max: 37.1
Current: 9.44

1.78
37.1
EV-to-EBIT 35.52
JFBI's EV-to-EBIT is ranked higher than
63% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. JFBI: 35.52 )
JFBI' s 10-Year EV-to-EBIT Range
Min: -79.1   Max: 60.5
Current: 35.52

-79.1
60.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
JFBI's Price/Tangible Book is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. JFBI: 1.00 )
JFBI' s 10-Year Price/Tangible Book Range
Min: 0.31   Max: 1.32
Current: 1

0.31
1.32
Price/DCF (Projected) 0.60
JFBI's Price/DCF (Projected) is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. JFBI: 0.60 )
JFBI' s 10-Year Price/DCF (Projected) Range
Min: 0.22   Max: 0.76
Current: 0.6

0.22
0.76
Price/Median PS Value 1.00
JFBI's Price/Median PS Value is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. JFBI: 1.00 )
JFBI' s 10-Year Price/Median PS Value Range
Min: 0.24   Max: 3.09
Current: 1

0.24
3.09
Price/Graham Number 1.10
JFBI's Price/Graham Number is ranked higher than
74% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. JFBI: 1.10 )
JFBI' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 3.56
Current: 1.1

0.46
3.56
Earnings Yield (Greenblatt) 2.80
JFBI's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. JFBI: 2.80 )
JFBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 1722.6
Current: 2.8

1.7
1722.6
Forward Rate of Return (Yacktman) 2.40
JFBI's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. JFBI: 2.40 )
JFBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.9   Max: 31.2
Current: 2.4

-10.9
31.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
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').
» More Articles for JFBI

Headlines

Articles On GuruFocus.com
Jefferson Bancshares Inc. Reports Operating Results (10-Q) Feb 14 2011 
Jefferson Bancshares Inc. Reports Operating Results (10-Q) Nov 15 2010 
Jefferson Bancshares Inc. Reports Operating Results (10-K) Sep 24 2010 
Jefferson Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Jefferson Bancshares Inc. Reports Operating Results (10-K) Sep 15 2009 
Jefferson Bancshares Inc. Reports Operating Results (10-K) Sep 14 2009 
Jefferson Bancshares Inc. Reports Operating Results (10-Q) May 11 2009 

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