JBT Bancorp Inc.

JBT Bancorp Inc.

JBTC
JBT Bancorp Inc.US flagOther OTC
37.00
USD
- -
- -
90.05MMarket Cap
JBT Bancorp Inc.
JBTC
(Other OTC)

Recent

price

37.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
10.31
10.82
12.62
13.94
14.59
15.23
- -
15.97
Revenue per Share
2.25
2.1
2.65
3.31
3.2
3.1
- -
3.25
Basic EPS, GAAP
2.43
1.08
3.23
4.43
5.22
5.2
- -
- -
Free Cash Flow per Basic Share
0.76
0.8
0.84
0.88
0.98
1
- -
- -
Dividend per Share
21.39
22.61
24.34
26.77
28.87
30.97
- -
31.87
Book Value per Share
24.18
25.72
27.44
29.01
31.05
33.44
- -
34.53
Tangible Book Value per Share
2
2
2
2
2
2
- -
2
Basic Weighted Avg Shares
25
26
31
34
36
37
43
39
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
- -
Depreciation Expense
5
5
6
8
8
8
10
8
Net Income, GAAP
17.25
17.16
18.84
18.57
19.28
19.13
19.28
19.17
Effective Tax Rate (%)
21.84
19.42
20.97
23.76
21.94
20.38
23.43
20.32
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
23
35
35
52
93
74
58
58
LT Debt
58
62
67
71
76
81
90
84
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
9.57
11.29
12.96
11.51
10.38
12.66
10.55
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
68
68
66

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
107
109
93
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
7.74%
11.16%
Free Cash Flow
- -
55.27%
20.01%
Net Income, GAAP
- -
15.53%
32.44%
Sales/Revenue/Turnover
- -
10.36%
15.21%
Total Cash Common Dividend
- -
6.73%
9.98%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9
9
9
10
37
2025
10
10
11
- -
43
2026
11
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.54
- -
- -
- -
3.1
2025
0.69
- -
- -
- -
- -
2026
1.3
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
JBT Bancorp Inc. JBT Bancorp Inc. serves as the bank holding company for Jonestown Bank & Trust Co., a Pennsylvania-chartered community bank founded in 1873 and headquartered in Jonestown, Pennsylvania. The company provides a comprehensive range of retail and commercial banking products and services to individuals, families, and businesses primarily in Lebanon, northern Lancaster, and eastern Berks counties; these include personal and business checking and savings accounts, certificates of deposit, individual retirement accounts, home mortgages, home equity lines of credit, personal lines of credit, credit builder loans, personal, auto, student, and home equity loans, commercial loans, consumer loans, debit and credit cards, digital banking solutions such as mobile remote deposit, bill pay, card management, e-statements, and security services, as well as specialized offerings like treasury management, cannabis banking, overdraft coverage, autobook services, safe deposit boxes, money transfers, night deposit, coin counting, money orders, debit card anti-fraud programs, young adult banking, and 24-hour access lines. JBT Bancorp operates 11 full-service offices and two limited-service offices, emphasizing relationship banking, strong credit culture, and niche services to sustain client loyalty across economic cycles. In its first quarter of 2025 results reported April 14, 2025, the company achieved total interest income of $12.33 million, up from the prior year, with net interest income after credit loss expense rising 7.9% to $7.51 million and non-interest income growing 13.1% driven by debit card interchange; it maintains a well-capitalized position with a bank leverage ratio of 9.58% at year-end 2024 and generated $32.3 million in net interest income for the prior full year.

Company News

APIChat