JFBC (Jeffersonville Bancorp) Scaled Net Operating Assets: -0.24 (As of Mar. 2026)

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.

JFBC Jeffersonville Bancorp JFBC
60 GF Score
Price $27.94
GF Value $22.52
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Jeffersonville Bancorp Scaled Net Operating Assets?

Jeffersonville Bancorp JFBC +1.05% 60 Scaled Net Operating Assets is -0.24 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Jeffersonville Bancorp's operating assets for the quarter that ended in Mar. 2026 was $415.62 Mil. Jeffersonville Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $572.99 Mil. Jeffersonville Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $668.64 Mil. Therefore, Jeffersonville Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.24.

JFBC
60GF Score
Jeffersonville Bancorp JFBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jeffersonville Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Jeffersonville Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(596.569-560.811)/629.248
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=668.642 - 72.073
=596.569

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=563.592 - 2.781 - 0
=560.811

Jeffersonville Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(415.621-572.99)/668.642
=-0.24

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=678.66 - 263.039
=415.621

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=572.99 - 0 - 0
=572.99

* 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.

What does a Scaled Net Operating Assets of -0.24 mean?
Jeffersonville Bancorp (JFBC) has a Scaled Net Operating Assets of -0.24 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Jeffersonville Bancorp and its competitors.
Is Jeffersonville Bancorp's Scaled Net Operating Assets too high?
Jeffersonville Bancorp's current Scaled Net Operating Assets is -0.24. 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 Scaled Net Operating Assets compare to FKYS and BSBK?
Jeffersonville Bancorp's Scaled Net Operating Assets of -0.24 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Jeffersonville Bancorp and its competitors. Jeffersonville Bancorp's current Scaled Net Operating Assets is -0.24. 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 Scaled Net Operating Assets is -0.24. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Jeffersonville Bancorp (JFBC), the current Scaled Net Operating Assets is -0.24 as of Mar. 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:

  • Scaled Net Operating Assets: -0.24
  • GF Value™: $22.52 vs. price of $27.94 (24.1% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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 Business Description

Address 4866 State Route 52, P.O. Box 398, Jeffersonville, NY, USA, 12748
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

Get the complete analysis for JFBC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.94
Price
$22.52
GF Value