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Jeffersonville Bancorp (Jeffersonville Bancorp) ROE % : 0.00% (As of Dec. 2022)


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What is Jeffersonville Bancorp ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Jeffersonville Bancorp's annualized net income for the quarter that ended in Dec. 2022 was $0.00 Mil. Jeffersonville Bancorp's average Total Stockholders Equity over the quarter that ended in Dec. 2022 was $67.93 Mil. Therefore, Jeffersonville Bancorp's annualized ROE % for the quarter that ended in Dec. 2022 was 0.00%.

The historical rank and industry rank for Jeffersonville Bancorp's ROE % or its related term are showing as below:

JFBC' s ROE % Range Over the Past 10 Years
Min: 5.11   Med: 9.09   Max: 14.95
Current: 5.11

During the past 13 years, Jeffersonville Bancorp's highest ROE % was 14.95%. The lowest was 5.11%. And the median was 9.09%.

JFBC's ROE % is ranked worse than
76.83% of 1459 companies
in the Banks industry
Industry Median: 9.68 vs JFBC: 5.11

Jeffersonville Bancorp ROE % Historical Data

The historical data trend for Jeffersonville Bancorp's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Jeffersonville Bancorp ROE % Chart

Jeffersonville Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.61 6.65 7.74 12.59 14.95

Jeffersonville Bancorp Quarterly Data
Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Dec22 Dec23
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.40 9.55 11.78 - -

Competitive Comparison of Jeffersonville Bancorp's ROE %

For the Banks - Regional subindustry, Jeffersonville Bancorp's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Jeffersonville Bancorp's ROE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Jeffersonville Bancorp's ROE % distribution charts can be found below:

* The bar in red indicates where Jeffersonville Bancorp's ROE % falls into.



Jeffersonville Bancorp ROE % Calculation

Jeffersonville Bancorp's annualized ROE % for the fiscal year that ended in Dec. 2023 is calculated as

ROE %=Net Income (A: Dec. 2023 )/( (Total Stockholders Equity (A: Dec. 2022 )+Total Stockholders Equity (A: Dec. 2023 ))/ count )
=11.175/( (68.781+80.767)/ 2 )
=11.175/74.774
=14.95 %

Jeffersonville Bancorp's annualized ROE % for the quarter that ended in Dec. 2022 is calculated as

ROE %=Net Income (Q: Dec. 2022 )/( (Total Stockholders Equity (Q: Jun. 2022 )+Total Stockholders Equity (Q: Dec. 2022 ))/ count )
=0/( (67.073+68.781)/ 2 )
=0/67.927
=0.00 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Dec. 2022) net income data. ROE % is displayed in the 30-year financial page.


Jeffersonville Bancorp  (OTCPK:JFBC) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Dec. 2022 )
=Net Income/Total Stockholders Equity
=0/67.927
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(0 / 0)*(0 / 707.313)*(707.313 / 67.927)
=Net Margin %*Asset Turnover*Equity Multiplier
=N/A %*0*10.4128
=ROA %*Equity Multiplier
=N/A %*10.4128
=0.00 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Dec. 2022 )
=Net Income/Total Stockholders Equity
=0/67.927
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (0 / 0) * (0 / 0) * (0 / 707.313) * (707.313 / 67.927)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= N/A * N/A % * 0 * 10.4128
=0.00 %

Note: The net income data used here is four times the quarterly (Dec. 2022) net income data. The Revenue data used here is four times the quarterly (Dec. 2022) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Jeffersonville Bancorp ROE % Related Terms

Thank you for viewing the detailed overview of Jeffersonville Bancorp's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


Jeffersonville Bancorp (Jeffersonville Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
4864 State Route 52, P.O. Box 398, Jeffersonville, NY, USA, 12748
Jeffersonville Bancorp is a bank holding company whose principal activity is the ownership of all outstanding shares of the Bank's stock. The Bank is a commercial bank providing community banking services to individuals, small businesses, and local municipal governments in Sullivan County, New York. The services and products include personal checking, business checking, debit cards, credit cards, mortgages, personal loans, business loans, personal and business savings, mobile banking, and business services among others.
Executives
Raymond L Walter director P.O. BOX 398, JEFFERSONVILLE NY 12748
John A Russell officer: Senior Vice President/CFO 26 COLEMAN STREET, PORT JERVIS NY 12771
Wayne V Zanetti officer: Vice President 49 HASTINGS DRIVE, GRAHAMSVILLE NY 12740
Edward T Sykes director P.O. BOX 454, JEFFERSONVILLE NY 12748
James F Roche director 5594 RT. 17B, CALLICOON NY 12723
John K Gempler director P.O. BOX 285, JEFFERSONVILLE NY 12748
Kinne George W Jr officer: SVP/Senior Loan Officer PO BOX 312, 9 MEADOW BROOK LANE, ROSCOE NY 12776-0312
Donald L Knack director PO BOX 446, JEFFERSONVILLE NY 12748
Earle A Wilde director P.O. BOX 386, JEFFERSONVILLE NY 12748
Douglas A Heinle director PO BOX 25, COCHECTON CENTER NY 12727
Kenneth C Klein director 14 ST JOSEPHS ROAD, FORESTBURGH NY 12777
Tatiana C Hahn officer: Senior Vice President/CLO 97 SANDER ROAD, JEFFERSONVILLE NY 12748
Solomon Katzoff director PO BOX 15, LAKE HUNTINGTON NY 12752
Gilbert E Weiss other: Director Emeritus P.O. BOX 398, JEFFERSONVILLE NY 12748
Gibson E Mckean director P.O. BOX 54, HIGHLAND LAKE NY 12743

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