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JSB Financial Inc (JFWV) Fair Value & Analysis

Financial Services · US · Market cap $32.1M

Price$124.75
Fair Value$249.50
Upside+100.0%
Quality95/100
Evidence: High Range $187.12 – $311.87

Fair value as of: Jun 26, 2026

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Analysis

JSB Financial Inc (JFWV) currently trades at $124.75, while our model-based Fair Value estimate is $249.50 — implying the stock looks roughly 100.0% 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

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services in West Virginia. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft and sweep protection, and certificates of deposit, as well as cash management solutions. The company provides loan products comprising personal and vehicle, mortgage, construction, commercial, and home equity loans, as well as loans to small businesses. It also offers internet and mobile banking, bill pay, cash management, remote deposit capture, merchant, and credit and debit card services. The company provides its services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. JSB Financial Inc. was founded in 1869 and is headquartered in Shepherdstown, West Virginia.

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Frequently asked questions

Is JSB Financial Inc (JFWV) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $249.50 versus a price of $124.75 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of JFWV?
Our 21-model fair value for JSB Financial Inc is $249.50 (as of Jun 26, 2026), built from audited fundamentals. The current price is $124.75.
What is the quality score of JFWV?
JSB Financial 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.