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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 0.45
JXSB's Cash to Debt is ranked lower than
71% of the 1161 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.56 vs. JXSB: 0.45 )
Ranked among companies with meaningful Cash to Debt only.
JXSB' s Cash to Debt Range Over the Past 10 Years
Min: 0.31  Med: 1.30 Max: 176
Current: 0.45
0.31
176
Equity to Asset 0.15
JXSB's Equity to Asset is ranked higher than
85% of the 1653 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 Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.15
Current: 0.15
0.08
0.15
Interest Coverage 3.63
JXSB's Interest Coverage is ranked higher than
72% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. JXSB: 3.63 )
Ranked among companies with meaningful Interest Coverage only.
JXSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 1.11 Max: 3.63
Current: 3.63
0.07
3.63
F-Score: 7
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 : 8/10

vs
industry
vs
history
Operating margin (%) 28.09
JXSB's Operating margin (%) is ranked lower than
59% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.24 vs. JXSB: 28.09 )
Ranked among companies with meaningful Operating margin (%) only.
JXSB' s Operating margin (%) Range Over the Past 10 Years
Min: 7.08  Med: 22.48 Max: 31.91
Current: 28.09
7.08
31.91
Net-margin (%) 20.76
JXSB's Net-margin (%) is ranked lower than
57% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.66 vs. JXSB: 20.76 )
Ranked among companies with meaningful Net-margin (%) only.
JXSB' s Net-margin (%) Range Over the Past 10 Years
Min: 6.97  Med: 17.78 Max: 23.21
Current: 20.76
6.97
23.21
ROE (%) 6.60
JXSB's ROE (%) is ranked lower than
64% of the 1669 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. JXSB: 6.60 )
Ranked among companies with meaningful ROE (%) only.
JXSB' s ROE (%) Range Over the Past 10 Years
Min: 2.83  Med: 6.73 Max: 8.55
Current: 6.6
2.83
8.55
ROA (%) 0.98
JXSB's ROA (%) is ranked higher than
56% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. JXSB: 0.98 )
Ranked among companies with meaningful ROA (%) only.
JXSB' s ROA (%) Range Over the Past 10 Years
Min: 0.22  Med: 0.82 Max: 1.13
Current: 0.98
0.22
1.13
EBITDA Growth (3Y)(%) -4.50
JXSB's EBITDA Growth (3Y)(%) is ranked lower than
78% of the 1261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. JXSB: -4.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
JXSB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.2  Med: 7.00 Max: 43.9
Current: -4.5
-23.2
43.9
EPS Growth (3Y)(%) -3.60
JXSB's EPS Growth (3Y)(%) is ranked lower than
77% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. JXSB: -3.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
JXSB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.3  Med: 17.00 Max: 58
Current: -3.6
-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) 15.38
JXSB's P/E(ttm) is ranked lower than
64% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.61 vs. JXSB: 15.38 )
Ranked among companies with meaningful P/E(ttm) only.
JXSB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.6  Med: 13.70 Max: 49.09
Current: 15.38
7.6
49.09
PE(NRI) 15.38
JXSB's PE(NRI) is ranked lower than
64% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.57 vs. JXSB: 15.38 )
Ranked among companies with meaningful PE(NRI) only.
JXSB' s PE(NRI) Range Over the Past 10 Years
Min: 7.6  Med: 13.72 Max: 49.81
Current: 15.38
7.6
49.81
Price/Owner Earnings (ttm) 16.07
JXSB's Price/Owner Earnings (ttm) is ranked lower than
72% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.23 vs. JXSB: 16.07 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
JXSB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.15  Med: 13.42 Max: 832.14
Current: 16.07
5.15
832.14
P/B 1.03
JXSB's P/B is ranked higher than
51% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. JXSB: 1.03 )
Ranked among companies with meaningful P/B only.
JXSB' s P/B Range Over the Past 10 Years
Min: 0.51  Med: 0.89 Max: 1.53
Current: 1.03
0.51
1.53
P/S 3.21
JXSB's P/S is ranked lower than
55% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. JXSB: 3.21 )
Ranked among companies with meaningful P/S only.
JXSB' s P/S Range Over the Past 10 Years
Min: 1.19  Med: 2.43 Max: 3.41
Current: 3.21
1.19
3.41
PFCF 15.37
JXSB's PFCF is ranked lower than
72% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. JXSB: 15.37 )
Ranked among companies with meaningful PFCF only.
JXSB' s PFCF Range Over the Past 10 Years
Min: 4.03  Med: 9.41 Max: 87.45
Current: 15.37
4.03
87.45
POCF 14.58
JXSB's POCF is ranked lower than
77% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. JXSB: 14.58 )
Ranked among companies with meaningful POCF only.
JXSB' s POCF Range Over the Past 10 Years
Min: 3.84  Med: 8.88 Max: 59.2
Current: 14.58
3.84
59.2
EV-to-EBIT 13.46
JXSB's EV-to-EBIT is ranked higher than
50% of the 1501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. JXSB: 13.46 )
Ranked among companies with meaningful EV-to-EBIT only.
JXSB' s EV-to-EBIT Range Over the Past 10 Years
Min: 2  Med: 11.10 Max: 55.5
Current: 13.46
2
55.5
EV-to-EBITDA 11.96
JXSB's EV-to-EBITDA is ranked higher than
51% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.32 vs. JXSB: 11.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
JXSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.8  Med: 9.70 Max: 32.2
Current: 11.96
1.8
32.2
PEG 3.08
JXSB's PEG is ranked lower than
79% of the 724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. JXSB: 3.08 )
Ranked among companies with meaningful PEG only.
JXSB' s PEG Range Over the Past 10 Years
Min: 0.21  Med: 0.62 Max: 46.55
Current: 3.08
0.21
46.55
Shiller P/E 20.77
JXSB's Shiller P/E is ranked lower than
63% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.24 vs. JXSB: 20.77 )
Ranked among companies with meaningful Shiller P/E only.
JXSB' s Shiller P/E Range Over the Past 10 Years
Min: 14.73  Med: 20.64 Max: 30.43
Current: 20.77
14.73
30.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.05
JXSB's Dividend Yield is ranked higher than
70% of the 2089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. JXSB: 4.05 )
Ranked among companies with meaningful Dividend Yield only.
JXSB' s Dividend Yield Range Over the Past 10 Years
Min: 0.71  Med: 1.56 Max: 4.29
Current: 4.05
0.71
4.29
Dividend Payout 0.61
JXSB's Dividend Payout is ranked lower than
83% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. JXSB: 0.61 )
Ranked among companies with meaningful Dividend Payout only.
JXSB' s Dividend Payout Range Over the Past 10 Years
Min: 0.14  Med: 0.17 Max: 0.61
Current: 0.61
0.14
0.61
Dividend Growth (3y) 51.30
JXSB's Dividend Growth (3y) is ranked higher than
92% of the 746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.90 vs. JXSB: 51.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
JXSB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 51.3
Current: 51.3
0
51.3
Forward Dividend Yield 1.53
JXSB's Forward Dividend Yield is ranked lower than
84% of the 1957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. JXSB: 1.53 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 16.67
JXSB's Yield on cost (5-Year) is ranked higher than
94% of the 2483 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. JXSB: 16.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
JXSB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.92  Med: 6.42 Max: 17.65
Current: 16.67
2.92
17.65
3-Year Average Share Buyback Ratio 1.80
JXSB's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1111 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. JXSB: 1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
JXSB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.8  Med: 0.70 Max: 1.8
Current: 1.8
-4.8
1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
JXSB's Price/Tangible Book is ranked higher than
50% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. JXSB: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
JXSB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 0.97 Max: 1.89
Current: 1.11
0.64
1.89
Price/Projected FCF 0.58
JXSB's Price/Projected FCF is ranked higher than
59% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. JXSB: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
JXSB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.52 Max: 0.95
Current: 0.58
0.39
0.95
Price/DCF (Earnings Based) 0.55
JXSB's Price/DCF (Earnings Based) is ranked higher than
67% of the 87 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. JXSB: 0.55 )
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
81% of the 1530 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. JXSB: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
JXSB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.57  Med: 1.09 Max: 1.43
Current: 1.32
0.57
1.43
Price/Graham Number 0.87
JXSB's Price/Graham Number is ranked lower than
55% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. JXSB: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
JXSB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.75 Max: 1.79
Current: 0.87
0.5
1.79
Earnings Yield (Greenblatt) (%) 7.40
JXSB's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1641 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. JXSB: 7.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
JXSB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.8  Med: 9.00 Max: 49.2
Current: 7.4
1.8
49.2
Forward Rate of Return (Yacktman) (%) 11.24
JXSB's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 839 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.21 vs. JXSB: 11.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
JXSB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.2  Med: 13.20 Max: 49.1
Current: 11.24
-3.2
49.1

More Statistics

Revenue(Mil) $15
EPS $ 1.70
Short Percentage of Float0.07%
52-Week Range $22.54 - 33.08
Shares Outstanding(Mil)1.79

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:MSBF, NAS:KFFB, NAS:NVSL, NAS:HFBC, OTCBB:NIDB, NAS:IROQ » 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

More From Other Websites
JACKSONVILLE BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 27 2016
JACKSONVILLE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 08 2016
Jacksonville Bancorp, Inc. Announces First Quarter 2016 Earnings Apr 08 2016
Jacksonville Bancorp, Inc. /Illinois/ :JXSB-US: Earnings Analysis: 2015 By the Numbers Mar 28 2016
Jacksonville Bancorp, Inc. Declares Dividend Mar 22 2016
JACKSONVILLE BANCORP, INC. Financials Mar 16 2016
Jacksonville Bancorp, Inc. (JXSB) Declares Dividend Mar 15 2016
JACKSONVILLE BANCORP, INC. Files SEC form 10-K, Annual Report Mar 10 2016
JACKSONVILLE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 12 2016
JACKSONVILLE BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 09 2015
Jacksonville Bancorp, Inc. (JXSB) Declares Quarterly And Special Dividends Dec 08 2015
JACKSONVILLE BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 05 2015
JACKSONVILLE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 09 2015
Jacksonville Bancorp, Inc. Announces Quarterly Earnings Oct 09 2015
Jacksonville Bancorp, Inc. /Illinois/ Earnings Q2, 2015 Sep 16 2015
Jacksonville Bancorp, Inc. (JXSB) Declares Dividend Sep 15 2015
JACKSONVILLE BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 06 2015
JACKSONVILLE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 08 2015
Jacksonville Bancorp, Inc. Announces Financial Results At And For The Three And Six Months Ended... Jul 08 2015
Jacksonville Bancorp, Inc. (JXSB) Declares Dividend Jun 16 2015

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