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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

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


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Dividend & Buy Back

Dividend Yield 0.88
JFWV's Dividend Yield is ranked lower than
87% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. JFWV: 0.88 )
JFWV' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 0.88

Dividend Payout 0.56
JFWV's Dividend Payout is ranked higher than
61% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. JFWV: 0.56 )
JFWV' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.56

Yield on cost (5-Year) 0.90
JFWV's Yield on cost (5-Year) is ranked lower than
82% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. JFWV: 0.90 )
JFWV' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 0.9

Valuation & Return


Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
The Bank provides a full range of banking services to individuals, agricultural businesses and commercial businesses located in its service area. It maintains a diversified loan portfolio, including loans to individuals for home mortgages, automobiles and personal expenditures, and loans to business enterprises for current operations and expansion. The Bank offers a variety of deposit products, including checking, savings, money market, individual retirement accounts and certificates of deposit. While the Bank's management monitors the revenue stream of various products and services, operations are managed and financial performance is evaluated on a Bank wide basis. Accordingly, all of the Bank's operations are considered by management to be aggregated into one operating segment. The main markets for the Bank's financial services are the West Virginia and Maryland communities in which the Bank is located and the areas immediately surrounding these communities. The Bank serves these markets through its offices located in Jefferson and Berkeley counties in West Virginia and Washington County in Maryland.

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High quality business?
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