JSB Financial Inc.

JSB Financial Inc.

JFWV
JSB Financial Inc.US flagOther OTC
124.75
USD
- -
- -
32.12MMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Revenue per Share
35.99
39.24
41.66
44
46.79
53.21
51.43
62.14
67.63
Basic EPS, GAAP
5.07
8.92
10.02
10.3
12.93
14.01
11.15
15.94
16.17
Free Cash Flow per Basic Share
11.09
11.98
15.1
15.12
17.01
17.99
15.31
22.04
17
Dividend per Share
1.15
1.45
2.35
1.9
2.06
2.2
2.33
2.4
2.6
Book Value per Share
82.69
89.58
98.11
106.5
117.5
129.62
133.99
155.29
168.86
Tangible Book Value per Share
80.85
83.51
98.16
111.02
119.2
81.64
91.63
116.68
142.76
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
10
11
12
12
13
15
14
16
17
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
- -
1
- -
- -
- -
- -
- -
Net Income, GAAP
1
3
3
3
4
4
3
4
4
Effective Tax Rate (%)
37.57
17.84
19.7
19.64
18.24
17.81
17
19.79
19.84
Profit Margin (%)
14.08
22.74
24.05
23.41
27.65
26.32
21.68
25.66
23.92
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1
21
10
- -
- -
21
46
8
2
Total Equity
23
24
27
31
33
23
25
30
37
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
10.35
10.63
10.07
11.49
11.32
8.41
10.73
9.98

Capital Structure

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
5.64%
22.35%
Free Cash Flow
- -
2.84%
-22.84%
Net Income, GAAP
- -
9.52%
1.46%
Sales/Revenue/Turnover
- -
7.45%
8.84%
Total Cash Common Dividend
- -
4.84%
8.33%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
14
2024
- -
- -
- -
- -
16
2025
- -
- -
- -
- -
17

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
11.15
2024
- -
- -
- -
- -
15.94
2025
- -
- -
- -
- -
16.17

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.33
2024
- -
- -
- -
- -
2.4
2025
- -
- -
- -
- -
2.6

Company Description

APIChat
CEO
Cynthia A. Kitner
Full Time Employees
82
Sector
Financial Services
Industry
Banks - Regional
Address
105 East Washington Street Shepherdstown WV United States of America 25443
IPO Date
Jun 20, 2007
Website
jsb.bank
Business
JSB Financial Inc. JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank, a West Virginia state-chartered community bank that provides retail and commercial banking products and services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations primarily in Jefferson and Berkeley counties in West Virginia and secondary markets in Washington County, Maryland, and Frederick County, Virginia; deposit products include checking accounts, savings accounts, money market accounts, individual retirement accounts, overdraft and sweep protection, certificates of deposit, and cash management solutions; loan products encompass personal and vehicle loans, mortgage loans, construction loans, commercial loans, home equity loans, and small business loans; digital and payment services comprise online and mobile banking, bill pay, remote deposit capture, merchant services, and credit and debit card services. Founded in 1869 and headquartered in Shepherdstown, West Virginia, the bank maintains multiple branches in its core market areas, including locations in Charles Town, Martinsburg, Inwood, and Sharpsburg. Recent developments include reporting third quarter 2025 results with interest recovery recognition from prior periods, announcing a semi-annual dividend increase to support an annual payout of $2.60 per share in 2025, and sustaining recognition as a top-performing bank by American Banker for multiple years.

Company News

APIChat
  • JSB Financial Inc. Reports First Quarter 2026 Results

  • JSB Financial (OTCMKTS:JFWV) and Flagstar Bank, National Association (NYSE:FLG) Critical Contrast

  • JSB Financial Inc. Announces Semi-Annual Dividend

  • JSB Financial Inc. Reports 2025 Full Year and Fourth Quarter Earnings Results

  • Contrasting JSB Financial (OTCMKTS:JFWV) and OFG Bancorp (NYSE:OFG)

  • JSB Financial Inc. Reports Third Quarter 2025 Results

  • JSB Financial Inc. Announces Semi-Annual Dividend

  • JSB Financial Inc. Reports Second Quarter 2025 Results

  • JSB Financial Inc. Reports First Quarter 2025 Results

  • JSB Financial Inc. Announces Semi-Annual Dividend

  • JSB Financial Inc. Reports Full Year and Fourth Quarter Earnings

  • JSB Financial Inc. Announces Promotion of Dustin T. Branner to Executive Vice President and Chief Lending Officer

  • JSB Financial Inc. Reports Earnings for the Third Quarter and First Nine Months of 2024

  • JSB Financial Inc. Reports First Quarter 2024 Results

  • Jefferson Security Bank Announces Semi-Annual Dividend

  • JSB Financial Inc. Reports Full Year and Fourth Quarter Earnings

  • JSB Financial Inc. Announces the Redemption of Jefferson Security Bank Common Stock and Capital Reduction

  • Jefferson Security Bank Reports Earnings for the Third Quarter and First Nine Months of 2023

  • JSB Financial Inc. Announces Semi-Annual Dividend

  • Jefferson Security Bank Announces Completion of Holding Company Reorganization