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Jeffersonville BancorpJFBC +1.05%60 Net Debt Paydown Yield % is 11.50% as of Aug. 01, 2026, which is 14275% above its 10-year median of 0.08. GuruFocus rates JFBC with a GF Score™ of 60/100 and a GF Value™ of $22.52 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,417 Banks companies, Jeffersonville Bancorp ranks better than 85.11% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Jeffersonville Bancorp's Net Debt Paydown Yield % was 11.50%.
Jeffersonville Bancorp (OTCPK:JFBC) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Jeffersonville Bancorp Net Debt Paydown Yield % Related Terms
Jeffersonville Bancorp Net Debt Paydown Yield % Historical Data
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The historical data trend for Jeffersonville Bancorp's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
JFBC vs FKYS, BSBK, WSBK: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Jeffersonville Bancorp's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Jeffersonville Bancorp's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Jeffersonville Bancorp's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 11.50% mean?
Jeffersonville Bancorp (JFBC) has a Net Debt Paydown Yield % of 11.50% as of Aug. 01, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Jeffersonville Bancorp and its competitors. This is 14275% above median its historical median of 0.08. According to the industry distribution chart, Jeffersonville Bancorp ranks #211 out of 1417 companies in the Banks industry, placing it in the top 14.9%.
Is Jeffersonville Bancorp's Net Debt Paydown Yield % too high?
Jeffersonville Bancorp's current Net Debt Paydown Yield % of 11.50% is 14275% above median its 10-year median of 0.08. Based on the distribution chart, Jeffersonville Bancorp ranks #211 out of 1417 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 Net Debt Paydown Yield % compare to FKYS and BSBK?
According to the Banks industry distribution chart, Jeffersonville Bancorp ranks #211 out of 1417 companies for Net Debt Paydown Yield %. This places Jeffersonville Bancorp in the top 15% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Jeffersonville Bancorp and its competitors. Jeffersonville Bancorp's current Net Debt Paydown Yield % is 11.50%, which is 14275% above median its own 10-year median of 0.08. 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 $22.52, compared to a current price of $27.94 — trading 24.1% above its estimated fair value. The current Net Debt Paydown Yield % is 11.50%, which is 14275% above median its 10-year median of 0.08. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Jeffersonville Bancorp (JFBC), the current Net Debt Paydown Yield % is 11.50% as of Aug. 01, 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 $27.94 is trading 24.1% above its estimated GF Value™ of $22.52.
GuruFocus considers Jeffersonville Bancorp to be Modestly Overvalued.
Key valuation signals for JFBC:
Net Debt Paydown Yield %: 11.50% (14275% above median its 10-year median of 0.08)
GF Value™: $22.52 vs. price of $27.94 (24.1% 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
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