JFBC (Jeffersonville Bancorp) E10: $2.14 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

JFBC Jeffersonville Bancorp JFBC
59 GF Score
Price $27.77
GF Value $22.76
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Jeffersonville Bancorp E10?

Jeffersonville Bancorp JFBC 59 E10 is $2.14 as of Jun. 2026. GuruFocus rates JFBC with a GF Score™ of 59/100 and a GF Value™ of $22.76 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Jeffersonville Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.013. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.14 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Jeffersonville Bancorp's average E10 Growth Rate was -100.00% per year. During the past 3 years, the average E10 Growth Rate was 8.90% per year. During the past 5 years, the average E10 Growth Rate was 9.70% per year. During the past 10 years, the average E10 Growth Rate was 7.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Jeffersonville Bancorp was 11.00% per year. The lowest was -2.40% per year. And the median was 2.55% per year.

As of today (2026-09-16), Jeffersonville Bancorp's current stock price is $27.77. Jeffersonville Bancorp's E10 for the quarter that ended in Jun. 2026 was $2.14. Jeffersonville Bancorp's Shiller PE Ratio of today is 13.01.

During the past 13 years, the highest Shiller PE Ratio of Jeffersonville Bancorp was 19.20. The lowest was 8.83. And the median was 13.58.


Jeffersonville Bancorp  (OTCPK:JFBC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Jeffersonville Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=27.77/2.135
=13.01

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Jeffersonville Bancorp was 19.20. The lowest was 8.83. And the median was 13.58.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Jeffersonville Bancorp E10 Related Terms


Jeffersonville Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Jeffersonville Bancorp's E10 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.

Jeffersonville Bancorp E10 Chart

Jeffersonville Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.43 1.61 1.78 1.88 2.07

Jeffersonville Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 1.99 2.05 2.08 2.15 2.14

JFBC vs WSBK, BBNA, PROV: E10 Comparison

For the Banks - Regional subindustry, Jeffersonville Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Jeffersonville Bancorp's Shiller PE Ratio falls into.


JFBC
59GF Score
Jeffersonville Bancorp JFBC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jeffersonville Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Jeffersonville Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.0127/333.9520*333.9520
=0.013

Current CPI (Jun. 2026) = 333.9520.

Jeffersonville Bancorp Quarterly Data

per share eps CPI Adj_EPS
201609 0.308 241.428 0.426
201612 0.242 241.432 0.335
201703 0.331 243.801 0.453
201706 0.305 244.955 0.416
201709 0.317 246.819 0.429
201712 0.060 246.524 0.081
201803 0.369 249.554 0.494
201806 0.412 251.989 0.545
201809 0.416 252.439 0.550
201812 0.269 251.233 0.357
201903 0.396 254.202 0.520
201906 0.493 256.143 0.642
201909 0.401 256.759 0.521
201912 0.247 256.974 0.321
202003 0.247 258.115 0.320
202006 0.299 257.797 0.387
202009 0.306 260.280 0.393
202012 0.284 260.474 0.364
202103 0.310 264.877 0.391
202106 0.410 271.696 0.504
202109 0.343 274.310 0.418
202112 0.341 278.802 0.408
202203 0.423 287.504 0.491
202206 0.480 296.311 0.541
202209 0.633 296.808 0.712
202212 0.662 296.797 0.745
202303 0.628 301.836 0.695
202306 0.755 305.109 0.826
202309 0.702 307.789 0.761
202312 0.554 306.746 0.603
202403 0.603 312.332 0.645
202406 0.716 314.175 0.761
202409 0.730 315.301 0.773
202412 0.627 315.605 0.663
202503 0.642 319.799 0.670
202506 0.777 322.561 0.804
202509 0.778 324.800 0.800
202512 0.768 324.054 0.791
202603 0.775 330.213 0.784
202606 0.013 333.952 0.013

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.14 mean?
Jeffersonville Bancorp (JFBC) has a E10 of $2.14 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jeffersonville Bancorp and its competitors.
Is Jeffersonville Bancorp's E10 too high?
Jeffersonville Bancorp's current E10 is $2.14. Overall, Jeffersonville Bancorp has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jeffersonville Bancorp's E10 compare to WSBK and BBNA?
Jeffersonville Bancorp's E10 of $2.14 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jeffersonville Bancorp and its competitors. Jeffersonville Bancorp's current E10 is $2.14. 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 $22.76, compared to a current price of $27.77 — trading 22% above its estimated fair value. The current E10 is $2.14. Jeffersonville Bancorp's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Jeffersonville Bancorp (JFBC), the current E10 is $2.14 as of Jun. 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 $27.77 is trading 22% above its estimated GF Value™ of $22.76. GuruFocus considers Jeffersonville Bancorp to be Modestly Overvalued.

Key valuation signals for JFBC:

  • E10: $2.14
  • GF Value™: $22.76 vs. price of $27.77 (22% above fair value)
  • GF Score™: 59/100 with 4 warning signs

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 Business Description

Address 4866 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.
59GF Score

Get the complete analysis for JFBC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.77
Price
$22.76
GF Value