JSB FinancialJFWV 61 OCF Margin % is 25.14% as of Dec. 2025, which is 26% below its 10-year median of 33.81. 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 1,502 Banks companies, JSB Financial ranks worse than 57.46% on this metric.
The historical rank and industry rank for JSB Financial's OCF Margin % or its related term are showing as below:
JFWV'
s OCF Margin % Range Over the Past 10 Years
Min: 25.14 Med: 33.81 Max: 36.36
Current: 25.14
During the past 9 years, the highest OCF Margin % of JSB Financial was 36.36%. The lowest was 25.14%. And the median was 33.81%.
JFWV's OCF Margin % is ranked worse than 57.46% of 1502
companies
in the Banks industry
Industry Median: 29.345
vs JFWV: 25.14
JSB Financial OCF Margin % Related Terms
JSB Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for JSB Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, JSB Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where JSB Financial's OCF 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 OCF Margin % of 25.14% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on JSB Financial and its competitors. This is 26% below median its historical median of 33.81. Over the past decade, JSB Financial's OCF Margin % has ranged from 25.14 to 36.36. According to the industry distribution chart, JSB Financial ranks #863 out of 1502 companies in the Banks industry, placing it in the top 57.5%.
Is JSB Financial's OCF Margin % too high?
JSB Financial's current OCF Margin % of 25.14% is 26% below median its 10-year median of 33.81. Over the past 10 years, this metric has ranged from a low of 25.14 to a high of 36.36. The Banks industry median OCF Margin % is 29.35. JSB Financial's value of 25.14% is 14.3% below this industry median. Based on the distribution chart, JSB Financial ranks #863 out of 1502 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 OCF Margin % compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #863 out of 1502 companies for OCF Margin %. This places JSB Financial in the lower half of its industry. The industry median OCF Margin % is 29.35. JSB Financial's value of 25.14% is 14.3% below this benchmark. Historically, JSB Financial's own OCF Margin % has ranged from 25.14 to 36.36 over the past decade. While the company's 10-year median is 33.81 vs. the industry median of 29.35, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.35, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JSB Financial's current OCF Margin % of 25.14% is 14.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on JSB Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JSB Financial's current OCF Margin % is 25.14%, which is 26% below median its own 10-year median of 33.81. 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 OCF Margin % is 25.14%, which is 26% below median its 10-year median of 33.81 and 14.3% below the Banks industry median of 29.35. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For JSB Financial (JFWV), the current OCF Margin % is 25.14% 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:
OCF Margin %: 25.14% (26% below median its 10-year median of 33.81)
GF Value™: $113.47 vs. price of $122.00 (7.5% above fair value)
Industry Position: 14.3% below the Banks median (#863 of 1502)
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
OCF Margin % 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 
