JFWV (JSB Financial) Net Loan: $401.79 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JFWV JSB Financial Inc JFWV
65 GF Score
Price $131.00
GF Value $114.42
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is JSB Financial Net Loan?

JSB Financial JFWV +0.01% 65 Net Loan is $401.79 Mil as of Dec. 2025. GuruFocus rates JFWV with a GF Score™ of 65/100 and a GF Value™ of $114.42 (Modestly Overvalued). The stock has 5 warning signs investors should review.

JSB Financial's quarterly net loan increased from Dec. 2023 ($347.91 Mil) to Dec. 2024 ($378.18 Mil) and increased from Dec. 2024 ($378.18 Mil) to Dec. 2025 ($401.79 Mil).

JSB Financial's annual net loan increased from Dec. 2023 ($347.91 Mil) to Dec. 2024 ($378.18 Mil) and increased from Dec. 2024 ($378.18 Mil) to Dec. 2025 ($401.79 Mil).

JSB Financial Net Loan Historical Data

* Premium members only.

The historical data trend for JSB Financial's Net Loan 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.

JSB Financial Net Loan Chart

JSB Financial Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only 244.81 304.25 347.91 378.18 401.79

JSB Financial Semi-Annual Data
Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only 244.81 304.25 347.91 378.18 401.79
JFWV
65GF Score
JSB Financial Inc JFWV
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

JSB Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $401.79 Mil mean?
JSB Financial (JFWV) has a Net Loan of $401.79 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on JSB Financial and its competitors.
Is JSB Financial's Net Loan too high?
JSB Financial's current Net Loan is $401.79 Mil. Overall, JSB Financial has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's Net Loan compare to BAFN and PFSB?
JSB Financial's Net Loan of $401.79 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on JSB Financial and its competitors. JSB Financial's current Net Loan is $401.79 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JSB Financial stock overvalued right now?
Based on GuruFocus' analysis, JSB Financial (JFWV) is currently considered Modestly Overvalued. The stock's GF Value™ is $114.42, compared to a current price of $131.00 — trading 14.5% above its estimated fair value. The current Net Loan is $401.79 Mil. JSB Financial's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For JSB Financial (JFWV), the current Net Loan is $401.79 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is JSB Financial (JFWV) Overvalued in 2026?

Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued. The current stock price of $131.00 is trading 14.5% above its estimated GF Value™ of $114.42. GuruFocus considers JSB Financial to be Modestly Overvalued.

Key valuation signals for JFWV:

  • Net Loan: $401.79 Mil
  • GF Value™: $114.42 vs. price of $131.00 (14.5% above fair value)
  • GF Score™: 65/100 with 5 warning signs

No single metric tells the full story. See the JFWV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

JSB Financial Business Description

Address 105 East Washington Street, P.O. Box 35, Shepherdstown, WV, USA, 25443
JSB Financial Inc provides banking products and services to individuals, agricultural businesses, small and medium enterprises, local government entities, and nonprofit organizations through its offices in Jefferson and Berkeley Counties, West Virginia, and Washington County, Maryland. It operates through a single community banking segment, offering deposit products such as checking, savings, time, and money market accounts, along with personal, credit card, commercial, construction, and real estate loans, and services like safe deposit boxes and wire transfers. Revenue is mainly generated from interest income on loans and investment securities, as well as fees and other income.
65GF Score

Get the complete analysis for JFWV

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$131.00
Price
$114.42
GF Value