JSB FinancialJFWV 54 Return-on-Tangible-Equity is 12.47% as of Dec. 2025, which is 12% above its 10-year median of 11.18. GuruFocus rates JFWV with a GF Score™ of 54/100 and a GF Value™ of $113.67 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, JSB Financial ranks better than 57.54% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. JSB Financial's annualized net income for the quarter that ended in Dec. 2025 was $4.16 Mil. JSB Financial's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $33.40 Mil. Therefore, JSB Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 12.47%.
The historical rank and industry rank for JSB Financial's Return-on-Tangible-Equity or its related term are showing as below:
JFWV'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.27 Med: 11.18 Max: 14.93
Current: 12.47
During the past 9 years, JSB Financial's highest Return-on-Tangible-Equity was 14.93%. The lowest was 6.27%. And the median was 11.18%.
JFWV's Return-on-Tangible-Equity is ranked better than 57.54% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs JFWV: 12.47
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
JSB Financial Return-on-Tangible-Equity Related Terms
JSB Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for JSB Financial's Return-on-Tangible-Equity 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 RBNK, WOBK, FBPA: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, JSB Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, JSB Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where JSB Financial's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.47% mean?
JSB Financial (JFWV) has a Return-on-Tangible-Equity of 12.47% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on JSB Financial and its competitors. This is 12% above median its historical median of 11.18. Over the past decade, JSB Financial's Return-on-Tangible-Equity has ranged from 6.27 to 14.93. According to the industry distribution chart, JSB Financial ranks #648 out of 1526 companies in the Banks industry, placing it in the top 42.5%.
Is JSB Financial's Return-on-Tangible-Equity too high?
JSB Financial's current Return-on-Tangible-Equity of 12.47% is 12% above median its 10-year median of 11.18. Over the past 10 years, this metric has ranged from a low of 6.27 to a high of 14.93. The Banks industry median Return-on-Tangible-Equity is 11.20. JSB Financial's value of 12.47% is 11.4% above this industry median. Based on the distribution chart, JSB Financial ranks #648 out of 1526 companies in the Banks industry, which is above 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-Equity compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #648 out of 1526 companies for Return-on-Tangible-Equity. This puts JSB Financial in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. JSB Financial's value of 12.47% is 11.4% above this benchmark. Historically, JSB Financial's own Return-on-Tangible-Equity has ranged from 6.27 to 14.93 over the past decade. While the company's 10-year median is 11.18 vs. the industry median of 11.20, JSB Financial has consistently been above 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JSB Financial's current Return-on-Tangible-Equity of 12.47% is 11.4% above 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on JSB Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JSB Financial's current Return-on-Tangible-Equity is 12.47%, which is 12% above median its own 10-year median of 11.18. 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 $113.67, compared to a current price of $122.00 — trading 7.3% above its estimated fair value. The current Return-on-Tangible-Equity is 12.47%, which is 12% above median its 10-year median of 11.18 and 11.4% above the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For JSB Financial (JFWV), the current Return-on-Tangible-Equity is 12.47% 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 7.3% above its estimated GF Value™ of $113.67.
GuruFocus considers JSB Financial to be Fairly Valued.
Key valuation signals for JFWV:
Return-on-Tangible-Equity: 12.47% (12% above median its 10-year median of 11.18)
GF Value™: $113.67 vs. price of $122.00 (7.3% above fair value)
Industry Position: 11.4% above the Banks median (#648 of 1526)
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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