JSB FinancialJFWV 61 EV-to-FCF is 0.62 as of Jul. 04, 2026, which is 90% below its 10-year median of 6.00. GuruFocus rates JFWV with a GF Score™ of 61/100 and a GF Value™ of $113.47 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,193 Banks companies, JSB Financial ranks better than 79.8% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, JSB Financial's Enterprise Value is $2.59 Mil.
JSB Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.18 Mil. Therefore, JSB Financial's EV-to-FCF for today is 0.62.
The historical rank and industry rank for JSB Financial's EV-to-FCF or its related term are showing as below:
JFWV'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.56 Med: 6 Max: 15.51
Current: 0.62
During the past 9 years, the highest EV-to-FCF of JSB Financial was 15.51. The lowest was -0.56. And the median was 6.00.
JFWV's EV-to-FCF is ranked better than 79.8% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs JFWV: 0.62
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
JSB Financial's PE Ratio (TTM) for today is calculated as:
JSB Financial's share price for today is $122.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. JSB Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $16.170.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
JSB Financial EV-to-FCF Related Terms
JSB Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for JSB Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, JSB Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
JSB Financial EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, JSB Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where JSB Financial's EV-to-FCF falls into.
JSB Financial's current Enterprise Value is $2.59 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. JSB Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.18 Mil.
* 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 (JFWV) has a EV-to-FCF of 0.62 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on JSB Financial and its competitors. This is 90% below median its historical median of 6.00. According to the industry distribution chart, JSB Financial ranks #241 out of 1193 companies in the Banks industry, placing it in the top 20.2%.
Is JSB Financial's EV-to-FCF too high?
JSB Financial's current EV-to-FCF of 0.62 is 90% below median its 10-year median of 6.00. The Banks industry median EV-to-FCF is 6.61. JSB Financial's value of 0.62 is 90.6% below this industry median. Based on the distribution chart, JSB Financial ranks #241 out of 1193 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, JSB Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's EV-to-FCF compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #241 out of 1193 companies for EV-to-FCF. This places JSB Financial in the top 20% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.61. JSB Financial's value of 0.62 is 90.6% below this benchmark. While the company's 10-year median is 6.00 vs. the industry median of 6.61, JSB Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JSB Financial's current EV-to-FCF of 0.62 is 90.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on JSB Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JSB Financial's current EV-to-FCF is 0.62, which is 90% below median its own 10-year median of 6.00. 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 Fairly Valued. The stock's GF Value™ is $113.47, compared to a current price of $122.00 — trading 7.5% above its estimated fair value. The current EV-to-FCF is 0.62, which is 90% below median its 10-year median of 6.00 and 90.6% below the Banks industry median of 6.61. JSB Financial's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For JSB Financial (JFWV), the current EV-to-FCF is 0.62 as of Jul. 04, 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 JSB Financial (JFWV) Overvalued in 2026?
Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued.
The current stock price of $122.00 is trading 7.5% above its estimated GF Value™ of $113.47.
GuruFocus considers JSB Financial to be Fairly Valued.
Key valuation signals for JFWV:
EV-to-FCF: 0.62 (90% below median its 10-year median of 6.00)
GF Value™: $113.47 vs. price of $122.00 (7.5% above fair value)
Industry Position: 90.6% below the Banks median (#241 of 1193)
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 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.
61GF Score
Get the complete analysis for JFWV
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JFWV has been successfully added to your 
