JSB FinancialJFWV 61 FCF Margin % is 24.02% as of Dec. 2025, which is 23% below its 10-year median of 31.19. 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 1,506 Banks companies, JSB Financial ranks worse than 53.52% on this metric.
The historical rank and industry rank for JSB Financial's FCF Margin % or its related term are showing as below:
JFWV'
s FCF Margin % Range Over the Past 10 Years
Min: 24.02 Med: 31.19 Max: 34.89
Current: 24.02
During the past 9 years, the highest FCF Margin % of JSB Financial was 34.89%. The lowest was 24.02%. And the median was 31.19%.
JFWV's FCF Margin % is ranked worse than 53.52% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs JFWV: 24.02
JSB Financial FCF Margin % Related Terms
JSB Financial FCF Margin % Historical Data
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The historical data trend for JSB Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, JSB Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where JSB Financial's FCF Margin % 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.
JSB Financial (JFWV) has a FCF Margin % of 24.02% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on JSB Financial and its competitors. This is 23% below median its historical median of 31.19. Over the past decade, JSB Financial's FCF Margin % has ranged from 24.02 to 34.89. According to the industry distribution chart, JSB Financial ranks #806 out of 1506 companies in the Banks industry, placing it in the top 53.5%.
Is JSB Financial's FCF Margin % too high?
JSB Financial's current FCF Margin % of 24.02% is 23% below median its 10-year median of 31.19. Over the past 10 years, this metric has ranged from a low of 24.02 to a high of 34.89. The Banks industry median FCF Margin % is 26.36. JSB Financial's value of 24.02% is 8.9% below this industry median. Based on the distribution chart, JSB Financial ranks #806 out of 1506 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #806 out of 1506 companies for FCF Margin %. This places JSB Financial in the lower half of its industry. The industry median FCF Margin % is 26.36. JSB Financial's value of 24.02% is 8.9% below this benchmark. Historically, JSB Financial's own FCF Margin % has ranged from 24.02 to 34.89 over the past decade. While the company's 10-year median is 31.19 vs. the industry median of 26.36, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JSB Financial's current FCF Margin % of 24.02% is 8.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on JSB Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JSB Financial's current FCF Margin % is 24.02%, which is 23% below median its own 10-year median of 31.19. 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 FCF Margin % is 24.02%, which is 23% below median its 10-year median of 31.19 and 8.9% below the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For JSB Financial (JFWV), the current FCF Margin % is 24.02% 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 $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:
FCF Margin %: 24.02% (23% below median its 10-year median of 31.19)
GF Value™: $113.47 vs. price of $122.00 (7.5% above fair value)
Industry Position: 8.9% below the Banks median (#806 of 1506)
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
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