Market Price

19.26 

0.01 0.1%

as of Nov 12 '18

52 Week Range:

0.00 22.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers personal checking accounts; and small business checking, business checking, NOW checking, estate checking, non-profit checking, and interest on lawyer accounts. It also provides personal loan products, such as auto/RV/motorcycle/boat loans, home improvement, debt consolidation, check loans, and other financing; and business loans, including commercial real estate, commercial lines of credit, short-term notes, installments, and commercial vehicle/equipment loans, as well as agricultural and construction loans. In addition, the company offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Further, it provides personal savings, business savings, and retirement accounts. Additionally, the company offers credit and debit cards; business services, including electronic deposits and withdrawals, and remote check deposits for business customers; and online/mobile banking services. As of March 16, 2018, it had 11 full service branches in Sullivan County and 1 branch in Orange County. The company was founded in 1913 and is based in Jeffersonville, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 10.35
10.08
10.55
11.22
11.68
12.09
12.09
12.09
13.72
14.54
14.29
growth rate -2.6% 4.7% 6.4% 4.1% 3.5% 0.0% 0.0% 13.5% 6.0% -1.7%
Earnings BIT 5.86
9.49
5.85
6.36
6.61
growth rate 62.1% -38.3% 8.7% 3.9%
Avg.PE 8.28
13.23
16.69
growth rate 59.8% 26.2%
ROA 1.09
0.69
0.75
0.73
0.90
1.01
1.07
1.60
1.05
1.09
0.87
growth rate -36.7% 8.7% -2.7% 23.3% 12.2% 5.9% 49.5% -34.4% 3.8% -20.2%
ROE 10.03
6.24
7.06
6.79
8.06
8.67
8.87
12.82
8.19
8.57
6.98
growth rate -37.8% 13.1% -3.8% 18.7% 7.6% 2.3% 44.5% -36.1% 4.6% -18.6%
Leverage 8.81
9.34
9.46
9.07
8.77
8.38
8.16
7.84
7.81
7.99
8.05
growth rate 6.0% 1.3% -4.1% -3.3% -4.5% -2.6% -3.9% -0.4% 2.3% 0.8%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 1.91
1.88
1.89
1.80
1.68
growth rate -1.8% 0.9% -5.0% -6.6%
Acct.Payable 376.49
393.32
417.43
433.66
growth rate 4.5% 6.1% 3.9%
Cur.Assets 25.05
43.46
48.47
76.07
growth rate 73.5% 11.5% 56.9%
Total Assets 432.48
440.22
459.67
483.77
502.06
growth rate 1.8% 4.4% 5.2% 3.8%
Cash 132.46
21.49
40.19
45.68
73.44
growth rate -83.8% 87.0% 13.7% 60.8%
Inventory 1.68
1.38
0.99
0.95
growth rate -17.8% -28.5% -4.1%
Cur.Liabilities 376.49
393.32
417.43
433.66
growth rate 4.5% 6.1% 3.9%
Liabilities 379.45
384.08
400.81
423.22
439.68
growth rate 1.2% 4.4% 5.6% 3.9%
Equity 53.03
56.14
58.86
60.55
62.38
growth rate 5.9% 4.9% 2.9% 3.0%
Common Shares 4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.10
1.97
1.32
1.77
0.30
growth rate 1,845.5% -33.0% 34.3% -83.3%
Cash Dividends 2.20
2.24
2.37
2.37
2.42
growth rate 1.9% 5.7% 0.0% 1.9%
Cash From OA 6.34
5.26
6.11
6.60
6.77
growth rate -17.1% 16.2% 8.0% 2.5%
FCF per Share 0.69
1.32
-0.14
1.30
1.63
1.58
1.58
1.58
0.53
1.13
1.14
growth rate 91.3% -100.0% 100.0% 25.4% -3.1% 0.0% 0.0% -66.5% 113.2% 0.9%
FCF 3.00
6.00
-1.00
6.00
6.00
7.00
6.00
2.00
5.00
5.00
6.00
growth rate 100.0% -100.0% 100.0% 0.0% 16.7% -14.3% -66.7% 150.0% 0.0% 20.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 21.57
19.90
20.20
20.21
21.26
growth rate -7.8% 1.5% 0.0% 5.2%
Op.Income 4.62
6.60
6.17
6.47
6.78
growth rate 42.8% -6.4% 4.8% 4.8%
IBT 5.68
9.49
5.85
6.36
6.61
growth rate 67.2% -38.3% 8.7% 3.9%
Net Income 4.62
7.00
4.71
5.12
4.29
growth rate 51.4% -32.7% 8.7% -16.1%
EPS 1.00
0.64
0.73
0.74
0.92
1.03
1.09
1.65
1.11
1.21
1.01
growth rate -36.0% 14.1% 1.4% 24.3% 12.0% 5.8% 51.4% -32.7% 9.0% -16.5%
Gross Profit 19.90
20.20
20.21
21.26
growth rate 1.5% 0.0% 5.2%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT
growth rate
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable
growth rate
Acct.Payable 432.04
430.31
433.66
454.30
451.83
growth rate -0.4% 0.8% 4.8% -0.5%
Cur.Assets 78.94
80.62
76.07
92.58
90.82
growth rate 2.1% -5.7% 21.7% -1.9%
Total Assets 500.11
499.22
502.06
522.34
521.15
growth rate -0.2% 0.6% 4.0% -0.2%
Cash 76.79
77.95
73.44
89.78
87.96
growth rate 1.5% -5.8% 22.3% -2.0%
Inventory 0.60
0.90
0.95
0.90
1.22
growth rate 49.5% 5.0% -5.5% 35.6%
Cur.Liabilities 432.04
430.31
433.66
454.30
451.83
growth rate -0.4% 0.8% 4.8% -0.5%
Liabilities 437.75
436.02
439.68
459.38
457.03
growth rate -0.4% 0.8% 4.5% -0.5%
Equity 62.36
63.21
62.38
62.96
64.12
growth rate 1.4% -1.3% 0.9% 1.8%
Common Shares 2.38
2.38
2.38
2.38
2.38
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures
growth rate
Cash Dividends
growth rate
Cash From OA
growth rate
FCF
growth rate
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 5.19
5.18
5.31
5.45
5.65
growth rate -0.2% 2.5% 2.6% 3.7%
Op.Income 1.68
1.84
1.40
1.89
2.14
growth rate 9.1% -23.5% 34.8% 13.1%
IBT 1.66
1.76
1.37
1.87
2.09
growth rate 5.9% -21.8% 35.7% 12.3%
Net Income 1.29
1.34
0.25
1.56
1.74
growth rate 3.9% -81.2% 517.4% 11.6%
Gross Profit 5.19
5.18
5.31
5.45
5.65
growth rate -0.2% 2.5% 2.6% 3.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (18.25)

YOY Growth Grade:

E (19.82)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.65 16.65
EPS / Growth -7.1% 1.16

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 2.2% 2.2%
Future PE 0.01 2.22 2.22
Future EPS 1.28 1.44 1.44
Value Price
MOS %
0.00
-100.0%
0.79
-95.9%
0.79
-95.9%
MOS Price 0.00 0.39 0.39
IRT 15.33 14.06 14.06

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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