JFWV (JSB Financial) ROCE %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JFWV JSB Financial Inc JFWV
60 GF Score
Price $134.00
GF Value $114.62
Valuation Modestly Overvalued
! 5 Warning Signs
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What is JSB Financial ROCE %?

JSB Financial JFWV +3.08% 60 ROCE % is % as of Dec. 2025. GuruFocus rates JFWV with a GF Score™ of 60/100 and a GF Value™ of $114.62 (Modestly Overvalued). The stock has 5 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

JFWV
60GF Score
JSB Financial Inc JFWV
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
JSB Financial (JFWV) has a ROCE % of % as of Dec. 2025.
Is JSB Financial's ROCE % too high?
JSB Financial's current ROCE % is %. Overall, JSB Financial has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's ROCE % compare to BAFN and PFSB?
JSB Financial's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.81, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JSB Financial's current ROCE % is %. 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 Modestly Overvalued. The stock's GF Value™ is $114.62, compared to a current price of $134.00 — trading 16.9% above its estimated fair value. The current ROCE % is %. JSB Financial'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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For JSB Financial (JFWV), the current ROCE % is % 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 $134.00 is trading 16.9% above its estimated GF Value™ of $114.62. GuruFocus considers JSB Financial to be Modestly Overvalued.

Key valuation signals for JFWV:

  • ROCE %: %
  • GF Value™: $114.62 vs. price of $134.00 (16.9% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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 Business Description

Address 105 East Washington Street, P.O. Box 35, Shepherdstown, WV, USA, 25443
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.
60GF Score

Get the complete analysis for JFWV

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$134.00
Price
$114.62
GF Value