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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Jeffersonville Bancorp's Debt-to-Equity or its related term are showing as below:
JFBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.03 Max: 0.35
Current: 0.03
During the past 13 years, the highest Debt-to-Equity Ratio of Jeffersonville Bancorp was 0.35. The lowest was 0.00. And the median was 0.03.
JFBC's Debt-to-Equity is ranked better than 96.27% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs JFBC: 0.03
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Jeffersonville Bancorp Debt-to-Equity Related Terms
Jeffersonville Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Jeffersonville Bancorp's Debt-to-Equity 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.
JFBC vs FKYS, BSBK, WSBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Jeffersonville Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Jeffersonville Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Jeffersonville Bancorp's Debt-to-Equity falls into.
* 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.
Jeffersonville Bancorp (JFBC) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Jeffersonville Bancorp and its competitors. According to the industry distribution chart, Jeffersonville Bancorp ranks #53 out of 1421 companies in the Banks industry, placing it in the top 3.7%.
Is Jeffersonville Bancorp's Debt-to-Equity too high?
Jeffersonville Bancorp's current Debt-to-Equity is 0.00. Based on the distribution chart, Jeffersonville Bancorp ranks #53 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Jeffersonville Bancorp has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jeffersonville Bancorp's Debt-to-Equity compare to FKYS and BSBK?
According to the Banks industry distribution chart, Jeffersonville Bancorp ranks #53 out of 1421 companies for Debt-to-Equity. This places Jeffersonville Bancorp in the top 4% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Jeffersonville Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jeffersonville Bancorp's current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jeffersonville Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Jeffersonville Bancorp (JFBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.53, compared to a current price of $27.55 — trading 22.3% above its estimated fair value. The current Debt-to-Equity is 0.00. Jeffersonville Bancorp's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Jeffersonville Bancorp (JFBC), the current Debt-to-Equity is 0.00 as of Mar. 2026. 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 Jeffersonville Bancorp (JFBC) Overvalued in 2026?
Based on GuruFocus' analysis, Jeffersonville Bancorp stock appears to be overvalued.
The current stock price of $27.55 is trading 22.3% above its estimated GF Value™ of $22.53.
GuruFocus considers Jeffersonville Bancorp to be Modestly Overvalued.
Key valuation signals for JFBC:
Debt-to-Equity: 0.00
GF Value™: $22.53 vs. price of $27.55 (22.3% above fair value)
No single metric tells the full story. See the JFBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
60GF Score
Get the complete analysis for JFBC
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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