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JSB FinancialJFWV +5.08%54 Return-on-Tangible-Asset is 0.76% as of Dec. 2025, which is 7% below its 10-year median of 0.82. GuruFocus rates JFWV with a GF Score™ of 54/100 and a GF Value™ of $114.07 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,529 Banks companies, JSB Financial ranks worse than 65.14% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. JSB Financial's annualizedNet Income for the quarter that ended in Dec. 2025 was $4.16 Mil. JSB Financial's average total tangible assets for the quarter that ended in Dec. 2025 was $549.55 Mil. Therefore, JSB Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.76%.
The historical rank and industry rank for JSB Financial's Return-on-Tangible-Asset or its related term are showing as below:
JFWV'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.49 Med: 0.82 Max: 0.89
Current: 0.76
During the past 9 years, JSB Financial's highest Return-on-Tangible-Asset was 0.89%. The lowest was 0.49%. And the median was 0.82%.
JFWV's Return-on-Tangible-Asset is ranked worse than 65.14% of 1529
companies
in the Banks industry
Industry Median: 1
vs JFWV: 0.76
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
JSB Financial Return-on-Tangible-Asset Related Terms
JSB Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for JSB Financial's Return-on-Tangible-Asset 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.
JFWV vs BAFN, PFSB, CNBZ: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, JSB Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, JSB Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where JSB Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.76% mean?
JSB Financial (JFWV) has a Return-on-Tangible-Asset of 0.76% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on JSB Financial and its competitors. This is near median its historical median of 0.82. Over the past decade, JSB Financial's Return-on-Tangible-Asset has ranged from 0.49 to 0.89. According to the industry distribution chart, JSB Financial ranks #996 out of 1529 companies in the Banks industry, placing it in the top 65.1%.
Is JSB Financial's Return-on-Tangible-Asset too high?
JSB Financial's current Return-on-Tangible-Asset of 0.76% is near median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 0.89. The Banks industry median Return-on-Tangible-Asset is 1.00. JSB Financial's value of 0.76% is 24% below this industry median. Based on the distribution chart, JSB Financial ranks #996 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, JSB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's Return-on-Tangible-Asset compare to BAFN and PFSB?
According to the Banks industry distribution chart, JSB Financial ranks #996 out of 1529 companies for Return-on-Tangible-Asset. This places JSB Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. JSB Financial's value of 0.76% is 24% below this benchmark. Historically, JSB Financial's own Return-on-Tangible-Asset has ranged from 0.49 to 0.89 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 1.00, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.00, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JSB Financial's current Return-on-Tangible-Asset of 0.76% is 24% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on JSB Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JSB Financial's current Return-on-Tangible-Asset is 0.76%, which is near median its own 10-year median of 0.82. 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 $114.07, compared to a current price of $123.99 — trading 8.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.76%, which is near median its 10-year median of 0.82 and 24% below the Banks industry median of 1.00. JSB Financial's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For JSB Financial (JFWV), the current Return-on-Tangible-Asset is 0.76% 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 $123.99 is trading 8.7% above its estimated GF Value™ of $114.07.
GuruFocus considers JSB Financial to be Fairly Valued.
Key valuation signals for JFWV:
Return-on-Tangible-Asset: 0.76% (near median its 10-year median of 0.82)
GF Value™: $114.07 vs. price of $123.99 (8.7% above fair value)
Industry Position: 24% below the Banks median (#996 of 1529)
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.
54GF Score
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