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JFBC

Jeff Bank, National Association

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Price alert · JFBC

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28.84 USD 0.00 0.00%
As of Oct 30, 2026
28.84 Day range 28.84
21.78 52-week range 29.04
YTD
+26.82%
1 year
+32.17%
Open
28.84
Prev close
28.84
Mkt cap
122.12M
Vol
200
Avg vol
1.83K
EPS
3.11
P/E
9.27
More statistics
Low
28.84
High
28.84

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Financial health

Altman Z-Score

0.60 Distress zone

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

Piotroski F-Score

3 / 9 Weak

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

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 3
  • P/B 3

Valuation

P/E 7.7×
FY 2016: 13.6×FY 2017: 16.2×FY 2018: 12.4×FY 2019: 11.7×FY 2020: 15.0×FY 2021: 15.7×FY 2022: 9.0×FY 2023: 6.8×FY 2024: 7.4×FY 2025: 7.7×
FY 2016 5y median 7.7× FY 2025
P/S 2.8×
FY 2016: 3.3×FY 2017: 3.2×FY 2018: 3.3×FY 2019: 3.1×FY 2020: 3.2×FY 2021: 4.0×FY 2022: 3.1×FY 2023: 2.5×FY 2024: 2.7×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
P/B 0.9×
FY 2016: 1.2×FY 2017: 1.1×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 7.3×
FY 2016: 14.4×FY 2017: 10.7×FY 2018: 10.8×FY 2019: 10.0×FY 2020: 16.3×FY 2021: 11.7×FY 2022: 8.5×FY 2023: 6.6×FY 2024: 7.2×FY 2025: 7.3×
FY 2016 5y median 7.3× FY 2025
EV/EBITDA 1.7×
FY 2016: 3.5×FY 2017: -0.6×FY 2018: 2.1×FY 2019: 0.5×FY 2020: -8.0×FY 2021: -9.2×FY 2022: 0.6×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.7×
FY 2016 5y median 1.3× FY 2025
EV/Sales 0.8×
FY 2016: 1.1×FY 2017: -0.2×FY 2018: 0.7×FY 2019: 0.2×FY 2020: -2.2×FY 2021: -3.1×FY 2022: 0.3×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.6× FY 2025
FCF Yield 13.8%
FY 2016: 6.9%FY 2017: 9.3%FY 2018: 9.3%FY 2019: 10.0%FY 2020: 6.1%FY 2021: 8.5%FY 2022: 11.8%FY 2023: 15.2%FY 2024: 14.0%FY 2025: 13.8%
FY 2016 5y median 13.8% FY 2025

Profitability

Gross Margin 95.2%
FY 2016: 95.2%FY 2017: 97.6%FY 2018: 95.2%FY 2019: 92.7%FY 2020: 92.3%FY 2021: 96.5%FY 2022: 97.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 95.2%
FY 2016 5y median 97.0% FY 2025
Operating Margin 46.3%
FY 2016: 29.6%FY 2017: 30.3%FY 2018: 31.2%FY 2019: 31.6%FY 2020: 24.5%FY 2021: 30.7%FY 2022: 41.9%FY 2023: 56.1%FY 2024: 56.1%FY 2025: 46.3%
FY 2016 5y median 46.3% FY 2025
Net Margin 36.7%
FY 2016: 23.8%FY 2017: 19.7%FY 2018: 26.3%FY 2019: 26.3%FY 2020: 21.6%FY 2021: 25.5%FY 2022: 33.9%FY 2023: 37.1%FY 2024: 36.7%FY 2025: 36.7%
FY 2016 5y median 36.7% FY 2025
ROE 11.9%
FY 2016: 8.5%FY 2017: 6.9%FY 2018: 9.5%FY 2019: 9.3%FY 2020: 6.5%FY 2021: 7.5%FY 2022: 13.5%FY 2023: 13.8%FY 2024: 12.4%FY 2025: 11.9%
FY 2016 5y median 12.4% FY 2025
ROIC 10.9%
FY 2016: 7.7%FY 2017: 6.3%FY 2018: 8.7%FY 2019: 8.5%FY 2020: 5.9%FY 2021: 6.9%FY 2022: 12.2%FY 2023: 11.8%FY 2024: 4.6%FY 2025: 10.9%
FY 2016 5y median 10.9% FY 2025
ROA 1.9%
FY 2016: 1.1%FY 2017: 0.9%FY 2018: 1.2%FY 2019: 1.3%FY 2020: 0.8%FY 2021: 0.8%FY 2022: 1.3%FY 2023: 1.6%FY 2024: 1.8%FY 2025: 1.9%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 11.0%
FY 2016: 0.9%FY 2017: 1.4%FY 2018: 8.2%FY 2019: 5.1%FY 2020: -10.2%FY 2021: 4.7%FY 2022: 17.9%FY 2023: 9.6%FY 2024: 2.5%FY 2025: 11.0%
FY 2016 FY 2025
Operating Income -8.5%
FY 2016: 8.6%FY 2017: 3.9%FY 2018: 11.4%FY 2019: 6.2%FY 2020: -30.3%FY 2021: 31.4%FY 2022: 60.6%FY 2023: 47.0%FY 2024: 2.5%FY 2025: -8.5%
FY 2016 FY 2025
EPS (diluted) 10.4%
FY 2016: 9.0%FY 2017: -16.5%FY 2018: 44.6%FY 2019: 5.5%FY 2020: -26.0%FY 2021: 22.8%FY 2022: 57.1%FY 2023: 20.0%FY 2024: 1.5%FY 2025: 10.4%
FY 2016 FY 2025
Free Cash Flow 13.2%
FY 2016: 0.8%FY 2017: 34.0%FY 2018: 10.1%FY 2019: 7.4%FY 2020: -42.2%FY 2021: 79.6%FY 2022: 24.2%FY 2023: 17.2%FY 2024: 1.4%FY 2025: 13.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -4.4×
FY 2016: -6.6×FY 2017: -10.2×FY 2018: -7.6×FY 2019: -8.5×FY 2020: -19.8×FY 2021: -21.1×FY 2022: -6.3×FY 2023: -3.9×FY 2024: -4.3×FY 2025: -4.4×
FY 2016 5y median -4.4× FY 2025
Interest Coverage 13.2×
FY 2016: 6.9×FY 2017: 8.1×FY 2018: 9.5×FY 2019: 10.9×FY 2020: 9.0×FY 2021: 19.4×FY 2022: 31.9×FY 2023: 6.5×FY 2024: 5.4×FY 2025: 13.2×
FY 2016 5y median 13.2× FY 2025

Dividends

Dividend Yield 4.8%
FY 2016: 3.4%FY 2017: 3.5%FY 2018: 3.9%FY 2019: 3.9%FY 2020: 3.5%FY 2021: 2.7%FY 2022: 3.0%FY 2023: 3.9%FY 2024: 3.8%FY 2025: 4.8%
FY 2016 5y median 3.8% FY 2025
Payout Ratio 37.1%
FY 2016: 46.3%FY 2017: 56.3%FY 2018: 47.8%FY 2019: 45.6%FY 2020: 52.8%FY 2021: 42.7%FY 2022: 27.3%FY 2023: 26.5%FY 2024: 28.0%FY 2025: 37.1%
FY 2016 5y median 28.0% FY 2025

Annual · latest fiscal year ends 2025-12-31