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JTNB Bancorp Inc (JTNB) fair value: what the stock is really worth

As of Nov 3, 2026: fair value (intrinsic value) of JTNB Bancorp Inc stock $22.12, price $21.15, upside +4.6%, quality 61 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

JB JTNB Bancorp Inc logo Some data Nov 3, 2026

JTNB Bancorp Inc

JTNB · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Quality 61/100
Healthy Growth (revenue YoY +43.0 %/yr in USD)
Solidly profitable · 19.3% net margin (FY2025)
Costs just 9.2 times its yearly profit.
Fair value $22.12 · Fairly valued
Mixed vs. peers (5/11)
Moderate moat 54/100 · thin data
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$21.15 $5.77 Fair Value $22.12 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $5.77 – $21.15 · fair‑value band $17.55 – $26.83 · the $21.15 price screens below the $22.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

JTNB Bancorp, Inc. operates as the holding company for Jim Thorpe Neighborhood Bank that provides personal and business banking products and services.

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It offers personal banking solutions, such as checking and savings accounts, certificates of deposit, individual retirement accounts, credit and debit cards, online banking, and loans, such as mortgage, home equity, consumer, and student loans.

The company also provides commercial loans and merchant processing services. JTNB Bancorp, Inc. was founded in 1852 and is based in Jim Thorpe, Pennsylvania.

Stock analysis

JTNB Bancorp Inc (JTNB) currently trades at $21.15, while our model-based Fair Value estimate is $22.12, so the stock looks roughly fairly valued today (gap 4.4%).

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Valuation

Bull case: the Multiples group reads highest at a median of $23.40 per share, and 2 of the 6 models we run sit above the $21.15 price.

Bear case: the Dividend Discount group reads lowest at $7.95, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $17.55 (bear) to $26.83 (bull), the price of $21.15 sits inside 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 61/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

JTNB Bancorp Inc reported revenue of $11.0M in FY2025 versus $7.1M in FY2021, a compound +11.6%/yr. Reported net income was $2.1M in FY2025, compounding +16.4%/yr from FY2021.

Key figures

Market cap $19.8M Micro · P/E ratio 9.2 · P/S ratio 1.77 · EPS (TTM) $2.26 · Net margin 19.3% · Return on assets (EBIT) 0.7% (5-year average) · Free cash flow $2.0M · Net cash $36.7M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 21% 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 5%, JTNB screens cheaper than that median.

Fair Value models

Bear $17.55 Fair Value $22.12 Bull $26.83
Price $21.15 · Upside +4.6%
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 ($1.94 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.
Best data coverage
Residual Income $20.29 $22.12 $26.83 76
Gordon GGM $4.33 $8.49 $12.62 67
DDM Multi-Stage $4.33 $7.41 $8.98 67
All 6 models by family
Dividend Discount
Gordon GGM $4.33 $8.49 $12.62 67
DDM Multi-Stage $4.33 $7.41 $8.98 67
Multiples
P/E Multiple $22.29 $29.72 $37.15 63
P/B Multiple $12.81 $17.08 $21.34 55
Asset-Based
NCAV (Graham) $11.44 $15.33 $22.89 51
Economic Profit
Residual Income $20.29 $22.12 $26.83 76

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Quality Score breakdown

Overall quality 61/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 70
Do the profits arrive as real cash?
Financial strength 47
Debt, balance sheet and risk of trouble
Investment 71
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 65
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 100
Distance to the 52-week high, does not count
New shares 89
Buys back shares or issues new ones?

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Revenue & earnings trend

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. 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
+12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.4%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.29% → 23%

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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 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside +4.6% · Above median
Profitability
Return on assets 0.8% · Below median
Net margin (12 months) 19.3% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 0.0% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.2× · Cheaper than median
P/B 0.89× · Cheaper than median
Price / free cash flow (fiscal year) 9.8× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)39 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs JTNB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs JTNB
BNP Paribas SA BNP €91.93 €106.01 +15% vs JTNB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs JTNB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs JTNB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs JTNB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs JTNB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs JTNB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs JTNB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs JTNB

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JTNB Bancorp Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "JTNB Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/JTNB

Frequently asked questions

Is JTNB Bancorp Inc (JTNB) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $22.12 versus a price of $21.15, about +5% upside (fairly valued).
What is the fair value of JTNB?
Our model-based fair value for JTNB Bancorp Inc is $22.12 (as of Nov 3, 2026), built from audited fundamentals. The current price: $21.15.
What is the quality score of JTNB?
JTNB Bancorp Inc has a Quality Score of 61/100. 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 JTNB Bancorp Inc (JTNB)?
Our model-based price target is the fair value of $22.12 (as of Nov 3, 2026) from 6 valuation models. Cautious scenario $17.55, optimistic scenario $26.83. It is a calculation from audited fundamentals, not an analyst target.
What is the JTNB Bancorp Inc stock forecast for 2026?
Our models put fair value at $22.12, about +5% upside versus a price of $21.15 (fairly valued). Cautious scenario $17.55, optimistic scenario $26.83. The calculation is refreshed regularly with new filings.
What is the intrinsic value of JTNB Bancorp Inc (JTNB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For JTNB Bancorp Inc it is $22.12 per share (as of Nov 3, 2026), against a price of $21.15. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is JTNB Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, JTNB trades below its calculated fair value: price $21.15, fair value $22.12, a gap of about +5% (fairly valued). 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 JTNB?
No. The price is what the market pays today ($21.15); the fair value is what the company's own numbers justify ($22.12). For JTNB Bancorp Inc the two are $0.9700 per share apart. That gap is exactly why we show both numbers side by side.
How much is JTNB Bancorp Inc worth?
The market values JTNB Bancorp Inc at about $19.8M (market capitalisation, as of Nov 3, 2026). Per share that is $21.15; our models calculate a fair value of $22.12 per share.
What do the bullish and bearish scenarios say about JTNB?
Our models span a range for JTNB Bancorp Inc: cautious scenario $17.55, base $22.12, optimistic $26.83 per share (as of Nov 3, 2026, price $21.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JTNB?
JTNB Bancorp Inc trades at a price-to-earnings ratio of 9.2 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.12 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2018 to 2025), reported earnings: 7.9. Other multiples: P/B 0.9.
How far is JTNB from its 52-week high?
JTNB Bancorp Inc trades at $21.15, at its 52-week high of $21.15 and 21% above the low of $17.44 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $22.12 is for.
Which stocks are comparable to JTNB Bancorp Inc?
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 JTNB Bancorp Inc stock attractive at the current price?
The data as of Nov 3, 2026: price $21.15, calculated fair value $22.12 (+5%), Quality Score 61/100, 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 JTNB calculated?
We run JTNB Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $22.12 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. JTNB Bancorp Inc currently trades 4% below its own fair value, and the market average says nothing about that. 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 JTNB Bancorp Inc (JTNB)?
The closing price on Nov 3, 2026 was $21.15. Our model-based fair value is $22.12, about +5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with JTNB Bancorp Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 JTNB Bancorp Inc

How large is the market capitalisation of JTNB Bancorp Inc (JTNB)?
The market capitalisation of JTNB Bancorp Inc is $19.8M. 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 JTNB Bancorp Inc (JTNB)?
The price-to-sales ratio of JTNB Bancorp Inc is 1.77 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of JTNB Bancorp Inc (JTNB)?
Earnings per share at JTNB Bancorp Inc are $2.26 (price ÷ EPS = P/E 9.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of JTNB Bancorp Inc (JTNB)?
The net margin of JTNB Bancorp Inc is 19.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of JTNB Bancorp Inc (JTNB)?
On an EBIT basis the return on assets of JTNB Bancorp Inc is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does JTNB Bancorp Inc (JTNB) generate?
The free cash flow of JTNB Bancorp Inc is $2.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does JTNB Bancorp Inc (JTNB) hold?
JTNB Bancorp Inc holds more cash than debt, $36.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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