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JBTC

JBT Bancorp, Inc.

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Price alert · JBTC

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42.50 USD +0.60 +1.43%
As of Oct 30, 2026
42.00 Day range 42.45
29.85 52-week range 42.50
YTD
+30.45%
1 year
+42.38%
Open
42.00
Prev close
41.90
Mkt cap
103.43M
Vol
3.20K
Avg vol
715
EPS
5.36
P/E
7.93
More statistics
Low
42.00
High
42.45

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Financial health

Altman Z-Score

-0.57 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 4
  • P/B 3

Valuation

P/E 7.9×
FY 2016: 10.5×FY 2017: 14.8×FY 2018: 11.6×FY 2019: 11.6×FY 2020: 10.4×FY 2021: 10.7×FY 2022: 8.3×FY 2023: 7.2×FY 2024: 9.1×FY 2025: 7.9×
FY 2016 5y median 8.3× FY 2025
P/S 1.3×
FY 2016: 2.2×FY 2017: 2.7×FY 2018: 2.0×FY 2019: 2.0×FY 2020: 1.7×FY 2021: 2.1×FY 2022: 1.8×FY 2023: 1.2×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/B 0.9×
FY 2016: 1.0×FY 2017: 1.4×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 5.2×
FY 2016: 9.7×FY 2017: -52.5×FY 2018: 12.3×FY 2019: 11.5×FY 2020: -52.0×FY 2021: 9.8×FY 2022: 6.2×FY 2023: 5.1×FY 2024: 5.4×FY 2025: 5.2×
FY 2016 5y median 5.4× FY 2025
EV/EBITDA 9.4×
FY 2016: 8.1×FY 2017: 17.5×FY 2018: 11.3×FY 2019: 8.4×FY 2020: 3.6×FY 2021: 3.7×FY 2022: 8.8×FY 2023: 10.3×FY 2024: 3.6×FY 2025: 9.4×
FY 2016 5y median 8.8× FY 2025
EV/Sales 2.1×
FY 2016: 2.5×FY 2017: 4.6×FY 2018: 2.6×FY 2019: 2.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 2.5×FY 2023: 2.2×FY 2024: 0.7×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
FCF Yield 19.2%
FY 2016: 10.4%FY 2017: -1.9%FY 2018: 8.1%FY 2019: 8.7%FY 2020: -1.9%FY 2021: 10.3%FY 2022: 16.0%FY 2023: 19.5%FY 2024: 18.5%FY 2025: 19.2%
FY 2016 5y median 18.5% FY 2025

Profitability

Gross Margin 66.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 81.1%FY 2020: 86.1%FY 2021: 91.7%FY 2022: 90.7%FY 2023: 73.2%FY 2024: 68.9%FY 2025: 66.9%
FY 2016 5y median 73.2% FY 2025
Operating Margin 21.0%
FY 2016: 29.1%FY 2017: 25.5%FY 2018: 22.2%FY 2019: 21.4%FY 2020: 20.2%FY 2021: 23.7%FY 2022: 26.5%FY 2023: 19.9%FY 2024: 17.4%FY 2025: 21.0%
FY 2016 5y median 21.0% FY 2025
Net Margin 17.0%
FY 2016: 20.6%FY 2017: 18.2%FY 2018: 17.5%FY 2019: 17.7%FY 2020: 16.7%FY 2021: 19.2%FY 2022: 21.6%FY 2023: 16.1%FY 2024: 14.1%FY 2025: 17.0%
FY 2016 5y median 17.0% FY 2025
ROE 11.1%
FY 2016: 9.8%FY 2017: 9.2%FY 2018: 9.0%FY 2019: 9.3%FY 2020: 8.2%FY 2021: 9.6%FY 2022: 11.4%FY 2023: 10.3%FY 2024: 9.3%FY 2025: 11.1%
FY 2016 5y median 10.3% FY 2025
ROIC 1.0%
FY 2016: 1.2%FY 2017: 1.1%FY 2018: 1.1%FY 2019: 6.2%FY 2020: 5.0%FY 2021: 5.9%FY 2022: 6.3%FY 2023: 4.4%FY 2024: 4.6%FY 2025: 1.0%
FY 2016 5y median 4.6% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 0.8%FY 2019: 0.9%FY 2020: 0.7%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 0.9%FY 2024: 0.8%FY 2025: 1.0%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 9.8%
FY 2016: 6.8%FY 2017: 13.5%FY 2018: 12.4%FY 2019: 10.7%FY 2020: -0.7%FY 2021: 9.9%FY 2022: 11.7%FY 2023: 29.7%FY 2024: 10.9%FY 2025: 9.8%
FY 2016 FY 2025
Operating Income 32.7%
FY 2016: 4.5%FY 2017: -0.6%FY 2018: -2.1%FY 2019: 6.7%FY 2020: -6.4%FY 2021: 29.0%FY 2022: 24.8%FY 2023: -2.5%FY 2024: -3.2%FY 2025: 32.7%
FY 2016 FY 2025
EPS (diluted) 32.6%
FY 2016: 6.6%FY 2017: 0.0%FY 2018: 7.3%FY 2019: 8.7%FY 2020: -6.7%FY 2021: 26.2%FY 2022: 24.9%FY 2023: -3.3%FY 2024: -3.1%FY 2025: 32.6%
FY 2016 FY 2025
Free Cash Flow 20.0%
FY 2016: 67.0%FY 2017: -125.9%FY 2018: 461.8%FY 2019: 19.1%FY 2020: -118.8%FY 2021: 792.4%FY 2022: 51.0%FY 2023: 2.1%FY 2024: 16.1%FY 2025: 20.0%
FY 2016 FY 2025

Financial Health

Current Ratio 4.8×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 4.8×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 4.8×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 4.8×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.7×
FY 2016: 0.5×FY 2017: 1.2×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.7×FY 2023: 1.2×FY 2024: 0.9×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 3.3×
FY 2016: 1.0×FY 2017: 7.3×FY 2018: 2.5×FY 2019: -0.2×FY 2020: -4.1×FY 2021: -4.2×FY 2022: 2.5×FY 2023: 4.9×FY 2024: -3.3×FY 2025: 3.3×
FY 2016 5y median 2.5× FY 2025
Interest Coverage 0.8×
FY 2016: 11.8×FY 2017: 6.6×FY 2018: 6.3×FY 2019: 1.1×FY 2020: 1.5×FY 2021: 2.9×FY 2022: 2.9×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 3.4%
FY 2016: 3.1%FY 2017: 2.4%FY 2018: 3.0%FY 2019: 2.9%FY 2020: 3.7%FY 2021: 3.0%FY 2022: 3.2%FY 2023: 4.3%FY 2024: 3.6%FY 2025: 3.4%
FY 2016 5y median 3.4% FY 2025
Payout Ratio 26.8%
FY 2016: 33.1%FY 2017: 35.3%FY 2018: 34.8%FY 2019: 33.7%FY 2020: 38.0%FY 2021: 31.8%FY 2022: 26.6%FY 2023: 30.6%FY 2024: 32.2%FY 2025: 26.8%
FY 2016 5y median 30.6% FY 2025

Annual · latest fiscal year ends 2025-12-31