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JBT Bancorp, Inc (JBTC) Fair Value & Analysis

Financial Services · US · Market cap $90.1M

Price$37.65
Fair Value$53.45
Upside+42.0%
Quality95/100
Evidence: High Range $40.09 – $66.81

Fair value as of: Jun 26, 2026

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Analysis

JBT Bancorp, Inc (JBTC) currently trades at $37.65, while our model-based Fair Value estimate is $53.45 — implying the stock looks roughly 42.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

JBT Bancorp, Inc. operates as the bank holding company for Jonestown Bank and Trust Company that provides financial services in Pennsylvania. 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.

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Frequently asked questions

Is JBT Bancorp, Inc (JBTC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $53.45 versus a price of $37.65 — about +42% (undervalued). Model-based estimate, not financial advice.
What is the fair value of JBTC?
Our 21-model fair value for JBT Bancorp, Inc is $53.45 (as of Jun 26, 2026), built from audited fundamentals. The current price is $37.65.
What is the quality score of JBTC?
JBT Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.