1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
JSB Financial Inc.

JSB Financial Inc.

JFWV
JSB Financial Inc.US flagOther OTC
128.45
USD
- -
- -
33.07MMarket Cap

Income Statement (USD)

Income Statement APIChatGPT
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Sales/Revenue/Turnover
10
11
12
12
13
15
14
16
17
+ Sales & Services Revenue
10
11
12
12
13
15
14
16
17
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
-8
-8
-8
-8
-8
-9
-10
-11
-12
- Operating Expenses
8
8
8
8
8
9
10
11
12
+ Selling, General & Admin
- -
- -
- -
- -
1
1
1
1
1
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
7
7
8
7
8
9
9
10
11
Operating Income (Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
-2
-3
-3
-4
-4
-5
-4
-5
-5
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
-2
-3
-3
-4
-4
-5
-4
-5
-5
Pretax Income
2
3
3
4
4
5
4
5
5
- Income Tax Expense (Benefit)
1
1
1
1
1
1
1
1
1
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
1
3
3
3
4
4
3
4
4
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
1
3
3
3
4
4
3
4
4
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
3
3
3
4
4
3
4
4
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
1
3
3
3
4
4
3
4
4
EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITA
-1
-1
- -
-1
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
14.08
22.74
24.05
23.41
27.65
26.32
21.68
25.66
23.92
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.15
1.45
2.35
1.9
2.06
2.2
2.33
2.4
2.6
Depreciation Expense
1
1
- -
1
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
5.07
8.92
10.02
10.3
12.93
14.01
11.15
15.94
16.17
Basic EPS from Cont Ops
5.07
8.92
10.02
10.3
12.93
14.01
11.15
15.94
16.17
Diluted Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
Diluted EPS, GAAP
5.07
8.92
10.02
10.3
12.93
14.01
11.15
15.94
16.17
Diluted EPS from Cont Ops
5.07
8.92
10.02
10.3
12.93
14.01
11.15
15.94
16.17

Balance Sheet (USD)

Balance Sheet APIChatGPT
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
5
4
4
13
16
4
9
27
31
+ Cash & Cash Equivalents
5
4
4
13
16
4
9
27
31
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
1
1
1
1
1
1
1
2
2
+ Accounts Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
1
1
1
1
1
1
1
2
2
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-6
-5
-5
-14
-17
-6
-11
-28
-32
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
6
6
6
5
5
5
5
5
5
+ Property, Plant & Equip
14
14
14
14
14
14
14
14
14
- Accumulated Depreciation
8
8
9
9
9
9
9
9
9
+ LT Investments & Receivables
100
90
87
112
148
128
119
107
104
+ LT Investments
100
90
87
112
148
128
119
107
104
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-106
-96
-92
-117
-154
-134
-124
-112
-109
+ Total Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Goodwill
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-106
-96
-92
-117
-154
-134
-124
-112
-109
Total Assets
295
311
324
381
427
461
501
537
562
+ Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts Payable
- -
- -
- -
- -
- -
- -
- -
1
1
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
-1
-1
+ ST Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
1
21
10
- -
- -
21
46
8
2
+ LT Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Liabilities
-1
-21
-10
- -
- -
-21
-46
-8
-2
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-1
-21
-10
- -
- -
-21
-46
-8
-2
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
272
287
297
350
394
439
476
507
525
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
6
6
6
6
6
6
5
5
5
+ Common Stock
3
3
3
3
3
3
3
3
3
+ Additional Paid in Capital
3
3
3
3
3
3
3
3
3
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
21
22
25
27
30
33
34
37
41
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
Equity Before Minority Interest
23
24
27
31
33
23
25
30
37
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
23
24
27
31
33
23
25
30
37
Total Liabilities & Equity
295
311
324
381
427
461
501
537
562
Shares Outstanding
- -
- -
- -
- -
- -
- -
- -
- -
- -
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Debt
-5
-4
-4
-13
-16
-4
-9
-27
-31
Net Debt to Equity
-21.65
-17.54
-13.69
-40.52
-48.4
-19.03
-37.08
-89.67
-84.09
Tangible Common Equity Ratio
7.75
7.58
8.45
8.14
7.72
4.88
4.99
5.6
6.54
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

Cash Flow Statement APIChatGPT
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
+ Net Income
1
3
3
3
4
4
3
4
4
+ Depreciation & Amortization
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Non-Cash Items
1
2
1
1
1
2
1
1
1
+ Stock-Based Compensation
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Income Taxes
- -
1
- -
- -
- -
- -
- -
- -
- -
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
1
1
1
2
1
1
1
1
1
+ Chg in Non-Cash Work Cap
- -
-1
1
- -
- -
- -
- -
- -
-1
+ (Inc) Dec in Accts Receiv
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Other
- -
-1
1
- -
- -
- -
- -
1
-1
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
3
3
4
4
5
5
4
6
4
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
- -
- -
- -
-2
- -
- -
+ Increase in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
-2
- -
- -
+ Net Change in LT Investment
12
8
5
-24
-40
- -
11
12
6
+ Dec in LT Investment
32
16
30
36
30
18
11
18
12
+ Inc in LT Investment
-20
-8
-25
-59
-70
-18
- -
-6
-6
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-19
-27
-19
-23
-5
-61
-44
-30
-24
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-8
-19
-13
-47
-44
-62
-33
-18
-18
+ Dividends Paid
- -
- -
-1
-1
-1
-1
-1
-1
-1
+ Net Cash From Debt
- -
- -
- -
- -
- -
- -
28
- -
- -
+ Cash From Debt
- -
- -
- -
- -
- -
- -
28
- -
- -
+ Repayments of Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Financing Activities
5
15
9
52
44
45
8
30
18
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
5
15
9
52
43
45
34
30
18
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
- -
-1
- -
9
3
-12
5
18
4
EBITDA
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow
3
3
4
4
5
5
4
6
4
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Firm
3
3
4
4
5
5
4
6
4
Free Cash Flow to Equity
- -
3
4
4
5
5
32
6
4
Free Cash Flow per Basic Share
11.09
11.98
15.1
15.12
17.01
17.99
15.31
22.04
17
Price/Free Cash Flow
6.04
8.35
6.09
5.62
5.88
3.96
4.71
4
6.06
Cash Flow to Net Income
2.19
1.34
1.51
1.47
1.32
1.28
1.37
1.38
1.05
Capital Expenditures
- -
- -
- -
- -
- -
- -
- -
- -
- -