Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Jonestown Bank and Trust Co of Jonestown Pennsylvania stock $34.10, price $42.55, that is 19.9% below the price, quality 65 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $16.88 – $42.60 · fair‑value band $31.21 – $41.02 · the $42.55 price screens above the $34.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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JBT Bancorp, Inc. operates as the bank holding company for Jonestown Bank and Trust Company that provides financial services in Pennsylvania.
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It offers deposit products, such as checking, savings, and term certificate accounts; mortgages, home equity, and investment loans; commercial loans, including advances to local businesses for various commercial purposes comprising working capital, inventory, equipment, machinery, commercial vehicles, and municipal improvements.
The company also provides commercial real estate loans consisting of advances to local businesses for the purchase, refinance, improvement of a business property, and commercial construction projects; consumer loans consisting of term loans and lines of credit; debit and credit cards; certificates of deposit and individual retirement accounts; treasury management services; overdraft coverage; and digital banking coverage.
JBT Bancorp, Inc. was founded in 1873 and is based in Jonestown, Pennsylvania.
Stock analysis
Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC) currently trades at $42.55, while our model-based Fair Value estimate is $34.10, 20% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $42.80 per share, and 1 of the 6 models we run sit above the $42.55 price.
Bear case: the Dividend Discount group reads lowest at $13.85, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $31.21 (bear) to $41.02 (bull), the price of $42.55 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Jonestown Bank and Trust Co of Jonestown Pennsylvania reported revenue of $42.7M in FY2025 versus $30.7M in FY2021, a compound +8.6%/yr. Reported net income was $10.0M in FY2025, compounding +11.7%/yr from FY2021.
Key figures
Market cap $104M Micro · P/E ratio 7.9 · P/S ratio 2.33 · EPS (TTM) $5.37 · Dividend yield 3.2% · Net margin 29.6% · Return on equity 14.3% · Return on assets 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 42% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, JBTC screens cheaper than that median.
Fair Value models
Bear$31.21Fair Value $34.10Bull$41.02
Price $42.55 · Downside -19.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.45 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.91/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.2%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
Compare Jonestown Bank and Trust Co of Jonestown Pennsylvania with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside−19.9% · Below median
Profitability
Return on equity (12 months)14.3% · Top 25%
Return on assets1.0% · Above median
Net margin (12 months)29.6% · Below median
Operating margin (12 months)36.8% · Below median
Growth and dividend
Revenue growth (quarter YoY)5.2% · Below median
Dividend yield (12 months)3.2% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)7.9× · Cheapest 25%
P/B1.14× · Cheaper than median
P/S (12 months)2.33× · Cheapest 25%
Price / free cash flow (fiscal year)6.8× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)7· sector 8
FUTURE (revenue growth)26· sector 47
PAST (return on equity)57· sector 43
HEALTH (low debt)–
DIVIDEND (yield)63· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Jonestown Bank and Trust Co of Jonestown Pennsylvania Fair Value". https://www.fairvalue-calculator.com/stock/JBTC
Frequently asked questions
Is Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $34.10 versus a price of $42.55, about 20% lower (overvalued).
What is the fair value of JBTC?
Our model-based fair value for Jonestown Bank and Trust Co of Jonestown Pennsylvania is $34.10 (as of Nov 8, 2026), built from audited fundamentals. The current price: $42.55.
What is the quality score of JBTC?
Jonestown Bank and Trust Co of Jonestown Pennsylvania has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
Our model-based price target is the fair value of $34.10 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $31.21, optimistic scenario $41.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Jonestown Bank and Trust Co of Jonestown Pennsylvania stock forecast for 2026?
Our models put fair value at $34.10, about 20% lower versus a price of $42.55 (overvalued). Cautious scenario $31.21, optimistic scenario $41.02. The calculation is refreshed regularly with new filings.
What is the revenue of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
Jonestown Bank and Trust Co of Jonestown Pennsylvania reported trailing-twelve-month revenue of about $44.5M (latest available figure, as of Nov 8, 2026).
Does Jonestown Bank and Trust Co of Jonestown Pennsylvania pay a dividend?
Jonestown Bank and Trust Co of Jonestown Pennsylvania currently shows a dividend yield of 3.17% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC) and when is the ex-dividend date?
Jonestown Bank and Trust Co of Jonestown Pennsylvania pays a dividend of $1.35 per share a year, a dividend yield of 3.2%. The last ex-dividend date was Oct 26, 2026. A dividend has been paid every year since at least 2004. The payout ratio is 25.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jonestown Bank and Trust Co of Jonestown Pennsylvania it is $34.10 per share (as of Nov 8, 2026), against a price of $42.55. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Jonestown Bank and Trust Co of Jonestown Pennsylvania stock overvalued or undervalued in 2026?
As of Nov 8, 2026, JBTC trades above its calculated fair value: price $42.55, fair value $34.10, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JBTC?
No. The price is what the market pays today ($42.55); the fair value is what the company's own numbers justify ($34.10). For Jonestown Bank and Trust Co of Jonestown Pennsylvania the two are $8.45 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jonestown Bank and Trust Co of Jonestown Pennsylvania worth?
The market values Jonestown Bank and Trust Co of Jonestown Pennsylvania at about $104M (market capitalisation, as of Nov 8, 2026). Per share that is $42.55; our models calculate a fair value of $34.10 per share.
What do the bullish and bearish scenarios say about JBTC?
Our models span a range for Jonestown Bank and Trust Co of Jonestown Pennsylvania: cautious scenario $31.21, base $34.10, optimistic $41.02 per share (as of Nov 8, 2026, price $42.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JBTC?
Jonestown Bank and Trust Co of Jonestown Pennsylvania trades at a price-to-earnings ratio of 7.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $34.10 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2020 to 2025), reported earnings: 8.7. Other multiples: P/B 1.1, P/S 2.3.
How solid is the balance sheet of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
Balance-sheet figures for Jonestown Bank and Trust Co of Jonestown Pennsylvania (as of Nov 8, 2026): return on equity 14.3%. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is JBTC from its 52-week high?
Jonestown Bank and Trust Co of Jonestown Pennsylvania trades at $42.55, at its 52-week high of $42.60 and 42% above the low of $29.93 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $34.10 is for.
Which stocks are comparable to Jonestown Bank and Trust Co of Jonestown Pennsylvania?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Jonestown Bank and Trust Co of Jonestown Pennsylvania stock attractive at the current price?
The data as of Nov 8, 2026: price $42.55, calculated fair value $34.10 (−20%), Quality Score 65/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of JBTC calculated?
We run Jonestown Bank and Trust Co of Jonestown Pennsylvania through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $34.10 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Jonestown Bank and Trust Co of Jonestown Pennsylvania itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The closing price on Nov 6, 2026 was $42.55. Our model-based fair value is $34.10, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jonestown Bank and Trust Co of Jonestown Pennsylvania right now?
The price sits above even our optimistic bull case ($41.02). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Jonestown Bank and Trust Co of Jonestown Pennsylvania
How large is the market capitalisation of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The market capitalisation of Jonestown Bank and Trust Co of Jonestown Pennsylvania is $104M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The price-to-sales ratio of Jonestown Bank and Trust Co of Jonestown Pennsylvania is 2.33 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
Earnings per share at Jonestown Bank and Trust Co of Jonestown Pennsylvania are $5.37 (price ÷ EPS = P/E 7.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The dividend yield of Jonestown Bank and Trust Co of Jonestown Pennsylvania is 3.2% (payout 25.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The net margin of Jonestown Bank and Trust Co of Jonestown Pennsylvania is 29.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The return on equity (ROE) of Jonestown Bank and Trust Co of Jonestown Pennsylvania is 14.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The return on assets (ROA) of Jonestown Bank and Trust Co of Jonestown Pennsylvania is 1.3% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
The operating margin of Jonestown Bank and Trust Co of Jonestown Pennsylvania is 36.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
Revenue at Jonestown Bank and Trust Co of Jonestown Pennsylvania is growing +5.2% versus a year earlier (3y avg +8.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC)?
Earnings per share at Jonestown Bank and Trust Co of Jonestown Pennsylvania are growing +4.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC) generate?
The free cash flow of Jonestown Bank and Trust Co of Jonestown Pennsylvania is $15.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Jonestown Bank and Trust Co of Jonestown Pennsylvania (JBTC) carry?
The net debt of Jonestown Bank and Trust Co of Jonestown Pennsylvania is $50.3M (fiscal year 2023, ≈ 3.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 8, 2026