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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 1.23
JXSB's Cash to Debt is ranked lower than
53% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. JXSB: 1.23 )
Ranked among companies with meaningful Cash to Debt only.
JXSB' s 10-Year Cash to Debt Range
Min: 0.19  Med: 2.01 Max: N/A
Current: 1.23
Equity to Asset 0.15
JXSB's Equity to Asset is ranked higher than
84% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. JXSB: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
JXSB' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.15
Current: 0.15
0.07
0.15
Interest Coverage 2.69
JXSB's Interest Coverage is ranked higher than
64% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. JXSB: 2.69 )
Ranked among companies with meaningful Interest Coverage only.
JXSB' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.26 Max: 2.69
Current: 2.69
0.07
2.69
F-Score: 5
WACC vs ROIC
3.65%
5.93%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 26.74
JXSB's Operating margin (%) is ranked lower than
57% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. JXSB: 26.74 )
Ranked among companies with meaningful Operating margin (%) only.
JXSB' s 10-Year Operating margin (%) Range
Min: -23.23  Med: 17.00 Max: 31.91
Current: 26.74
-23.23
31.91
Net-margin (%) 20.37
JXSB's Net-margin (%) is ranked lower than
54% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. JXSB: 20.37 )
Ranked among companies with meaningful Net-margin (%) only.
JXSB' s 10-Year Net-margin (%) Range
Min: -10.19  Med: 12.69 Max: 23.21
Current: 20.37
-10.19
23.21
ROE (%) 6.56
JXSB's ROE (%) is ranked lower than
62% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. JXSB: 6.56 )
Ranked among companies with meaningful ROE (%) only.
JXSB' s 10-Year ROE (%) Range
Min: -5.11  Med: 5.83 Max: 8.55
Current: 6.56
-5.11
8.55
ROA (%) 0.94
JXSB's ROA (%) is ranked higher than
58% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. JXSB: 0.94 )
Ranked among companies with meaningful ROA (%) only.
JXSB' s 10-Year ROA (%) Range
Min: -0.43  Med: 0.53 Max: 1.13
Current: 0.94
-0.43
1.13
ROC (Joel Greenblatt) (%) 65.55
JXSB's ROC (Joel Greenblatt) (%) is ranked lower than
55% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. JXSB: 65.55 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
JXSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -42.33  Med: 27.35 Max: 81.22
Current: 65.55
-42.33
81.22
Revenue Growth (3Y)(%) 0.10
JXSB's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. JXSB: 0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
JXSB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.5  Med: 6.00 Max: 17.6
Current: 0.1
-5.5
17.6
EBITDA Growth (3Y)(%) -3.40
JXSB's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. JXSB: -3.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
JXSB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23  Med: 11.90 Max: 43.7
Current: -3.4
-23
43.7
EPS Growth (3Y)(%) -1.80
JXSB's EPS Growth (3Y)(%) is ranked lower than
75% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. JXSB: -1.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
JXSB' s 10-Year EPS Growth (3Y)(%) Range
Min: -20.3  Med: 17.00 Max: 58
Current: -1.8
-20.3
58
» JXSB's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.95
JXSB's P/E(ttm) is ranked lower than
57% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. JXSB: 14.95 )
Ranked among companies with meaningful P/E(ttm) only.
JXSB' s 10-Year P/E(ttm) Range
Min: 7.6  Med: 13.33 Max: 49.09
Current: 14.95
7.6
49.09
Forward P/E 8.25
JXSB's Forward P/E is ranked higher than
81% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. JXSB: 8.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.00
JXSB's PE(NRI) is ranked lower than
57% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. JXSB: 15.00 )
Ranked among companies with meaningful PE(NRI) only.
JXSB' s 10-Year PE(NRI) Range
Min: 7.6  Med: 13.33 Max: 49.81
Current: 15
7.6
49.81
P/B 0.94
JXSB's P/B is ranked higher than
62% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. JXSB: 0.94 )
Ranked among companies with meaningful P/B only.
JXSB' s 10-Year P/B Range
Min: 0.51  Med: 0.87 Max: 1.83
Current: 0.94
0.51
1.83
P/S 3.04
JXSB's P/S is ranked lower than
51% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. JXSB: 3.04 )
Ranked among companies with meaningful P/S only.
JXSB' s 10-Year P/S Range
Min: 1.19  Med: 2.31 Max: 3.92
Current: 3.04
1.19
3.92
PFCF 9.60
JXSB's PFCF is ranked higher than
58% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. JXSB: 9.60 )
Ranked among companies with meaningful PFCF only.
JXSB' s 10-Year PFCF Range
Min: 4  Med: 8.77 Max: 89.21
Current: 9.6
4
89.21
POCF 9.29
JXSB's POCF is ranked higher than
52% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. JXSB: 9.29 )
Ranked among companies with meaningful POCF only.
JXSB' s 10-Year POCF Range
Min: 3.81  Med: 8.29 Max: 58.18
Current: 9.29
3.81
58.18
EV-to-EBIT 10.87
JXSB's EV-to-EBIT is ranked higher than
65% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. JXSB: 10.87 )
Ranked among companies with meaningful EV-to-EBIT only.
JXSB' s 10-Year EV-to-EBIT Range
Min: 2  Med: 10.30 Max: 55.5
Current: 10.87
2
55.5
PEG 1.01
JXSB's PEG is ranked higher than
54% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. JXSB: 1.01 )
Ranked among companies with meaningful PEG only.
JXSB' s 10-Year PEG Range
Min: 0.2  Med: 0.39 Max: 12.29
Current: 1.01
0.2
12.29
Shiller P/E 15.45
JXSB's Shiller P/E is ranked higher than
56% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. JXSB: 15.45 )
Ranked among companies with meaningful Shiller P/E only.
JXSB' s 10-Year Shiller P/E Range
Min: 13.99  Med: 17.37 Max: 54
Current: 15.45
13.99
54
Days Sales Outstanding 45.90
JXSB's Days Sales Outstanding is ranked lower than
63% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. JXSB: 45.90 )
Ranked among companies with meaningful Days Sales Outstanding only.
JXSB' s 10-Year Days Sales Outstanding Range
Min: 41.65  Med: 59.18 Max: 124.36
Current: 45.9
41.65
124.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.33
JXSB's Dividend Yield is ranked lower than
80% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. JXSB: 1.33 )
Ranked among companies with meaningful Dividend Yield only.
JXSB' s 10-Year Dividend Yield Range
Min: 0.71  Med: 1.56 Max: 2.4
Current: 1.33
0.71
2.4
Dividend Payout 0.20
JXSB's Dividend Payout is ranked higher than
75% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. JXSB: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
JXSB' s 10-Year Dividend Payout Range
Min: 0.14  Med: 0.18 Max: 0.23
Current: 0.2
0.14
0.23
Dividend growth (3y) 2.20
JXSB's Dividend growth (3y) is ranked lower than
69% of the 657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. JXSB: 2.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
JXSB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 26.7
Current: 2.2
0
26.7
Yield on cost (5-Year) 1.33
JXSB's Yield on cost (5-Year) is ranked lower than
81% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. JXSB: 1.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
JXSB' s 10-Year Yield on cost (5-Year) Range
Min: 0.71  Med: 1.56 Max: 2.4
Current: 1.33
0.71
2.4
Share Buyback Rate 1.60
JXSB's Share Buyback Rate is ranked higher than
90% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. JXSB: 1.60 )
Ranked among companies with meaningful Share Buyback Rate only.
JXSB' s 10-Year Share Buyback Rate Range
Min: 1.7  Med: 0.20 Max: -4.8
Current: 1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
JXSB's Price/Tangible Book is ranked higher than
61% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. JXSB: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
JXSB' s 10-Year Price/Tangible Book Range
Min: 0.57  Med: 0.98 Max: 1.92
Current: 1.02
0.57
1.92
Price/Projected FCF 0.56
JXSB's Price/Projected FCF is ranked higher than
63% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. JXSB: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
JXSB' s 10-Year Price/Projected FCF Range
Min: 0.38  Med: 0.52 Max: 0.96
Current: 0.56
0.38
0.96
Price/DCF (Earnings Based) 0.53
JXSB's Price/DCF (Earnings Based) is ranked higher than
64% of the 56 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. JXSB: 0.53 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.32
JXSB's Price/Median PS Value is ranked lower than
75% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. JXSB: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
JXSB' s 10-Year Price/Median PS Value Range
Min: 0.59  Med: 1.06 Max: 1.5
Current: 1.32
0.59
1.5
Price/Peter Lynch Fair Value 1.72
JXSB's Price/Peter Lynch Fair Value is ranked lower than
79% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. JXSB: 1.72 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
JXSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31  Med: 0.48 Max: 2.94
Current: 1.72
0.31
2.94
Price/Graham Number 0.82
JXSB's Price/Graham Number is ranked higher than
55% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. JXSB: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
JXSB' s 10-Year Price/Graham Number Range
Min: 0.49  Med: 0.77 Max: 1.79
Current: 0.82
0.49
1.79
Earnings Yield (Greenblatt) (%) 9.23
JXSB's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. JXSB: 9.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
JXSB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.8  Med: 9.70 Max: 49.2
Current: 9.23
1.8
49.2
Forward Rate of Return (Yacktman) (%) 18.12
JXSB's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. JXSB: 18.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
JXSB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.5  Med: 18.10 Max: 49.5
Current: 18.12
-4.5
49.5

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Jacksonville Bancorp, Inc., is a holding company for Jacksonville Savings Bank or The Bank chartered in 1916. It is a savings bank engaged mainly in the business of attracting retail deposits from the general public in its market area and using such funds, together with borrowings and funds from other sources, to originate mortgage loans secured by one- to four-family residential real estate, commercial and agricultural real estate and home equity loans. It also originates commercial and agricultural business loans and consumer loans. Additionally, it invest in United States Government agency securities, bank-qualified, general obligation municipal issues, and mortgage-backed securities issued or guaranteed by the United States Government or agencies. The Bank maintains a portion of its assets in liquid investments, such as overnight funds at the Federal Home Loan Bank. Its main sources of funds are customer deposits, proceeds from the sale of loans, funds received from the repayment and prepayment of loans and mortgage-backed securities, and the sale, call, or maturity of investment securities. Its main sources of income are interest income on loans and investments, sales of loans and securities, service charges, commissions, loan servicing fees and other fees. Its principal expenses are interest paid on deposits, employee compensation and benefits, occupancy and equipment expense and Federal Deposit Insurance Corporation insurance premiums. Its market area include: Morgan, Macoupin, Montgomery and Cass counties, Illinois. The Company faces competition from other commercial banks, savings banks, savings associations and credit unions for deposits and other loans.
» More Articles for JXSB

Headlines

Articles On GuruFocus.com
comment on JXSB May 16 2013 
comment on JXSB May 16 2013 
comment on JXSB May 16 2013 
comment on JXSB May 16 2013 
Jacksonville Bancorp, Inc. Declares Dividend Dec 09 2008 

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