JTNB Bancorp Inc (JTNB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of JTNB Bancorp Inc $30.88, price $20.45, upside +51.0%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $5.77 – $21.14 · fair‑value band $23.16 – $38.60 · the $20.45 price screens below the $30.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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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JTNB Bancorp, Inc. operates as the holding company for Jim Thorpe Neighborhood Bank that provides personal and business banking products and services. 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 $20.45, while our model-based Fair Value estimate is $30.88, implying the stock looks roughly 33.8% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $29.72 per share, and 3 of the 4 models we run sit above the $20.45 price.
Bear case: the Asset-Based group reads lowest at $15.96, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $23.16 (bear) to $38.60 (bull), the price of $20.45 sits below 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 58/100 (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 $19.1M · P/E ratio 8.9 · P/S ratio 1.71 · EPS (TTM) $2.27 · Net margin 19.3% · Return on assets (EBIT) 0.7% · Free cash flow $2.0M · Net cash $36.7M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 17% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 51%, JTNB screens cheaper than that median.
Fair Value models
Bear $23.16Fair Value $30.88Bull $38.60
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.67 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.Evidence ⓘEvidence = 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.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%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
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 · 1076 stocks
Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score61 · Top 25%
Fair Value upside+51% · Top 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)19% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is JTNB Bancorp Inc (JTNB) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $30.88 versus a price of $20.45, about +51% upside (undervalued).
What is the fair value of JTNB?
Our model-based fair value for JTNB Bancorp Inc is $30.88 (as of Sep 23, 2026), built from audited fundamentals. The current price: $20.45.
What is the quality score of JTNB?
JTNB Bancorp Inc has a Quality Score of 58/100. 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 $30.88 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $23.16, optimistic scenario $38.60. 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 $30.88, about +51% upside versus a price of $20.45 (undervalued). Cautious scenario $23.16, optimistic scenario $38.60. The calculation is refreshed regularly with new filings.
What growth is priced into JTNB Bancorp Inc (JTNB)?
For today's price to be fair in a discounted-cash-flow model, JTNB Bancorp Inc would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of JTNB use?
Our models discount JTNB Bancorp Inc at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For JTNB Bancorp Inc that is less than minus 40 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has JTNB Bancorp Inc (JTNB) delivered so far?
Over the past 5 years revenue at JTNB Bancorp Inc grew +5.8 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of JTNB Bancorp Inc (JTNB) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into JTNB Bancorp Inc (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of JTNB Bancorp Inc (JTNB)?
The free-cash-flow yield on the price is 10.60 %: that much free cash flow JTNB Bancorp Inc produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $30.88 per share (as of Sep 23, 2026), against a price of $20.45. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is JTNB Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, JTNB trades below its calculated fair value: price $20.45, fair value $30.88, a gap of about +51% (undervalued). 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 ($20.45); the fair value is what the company's own numbers justify ($30.88). For JTNB Bancorp Inc the two are $10.43 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 $19.1M (market capitalisation, as of Sep 23, 2026). Per share that is $20.45; our models calculate a fair value of $30.88 per share.
What do the bullish and bearish scenarios say about JTNB?
Our models span a range for JTNB Bancorp Inc: cautious scenario $23.16, base $30.88, optimistic $38.60 per share (as of Sep 23, 2026, price $20.45). 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 8.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $30.88 is built from several models across several years. Other multiples: P/B 0.9.
How far is JTNB from its 52-week high?
JTNB Bancorp Inc trades at $20.45, about 3% below its 52-week high of $21.14 and 17% above the low of $17.44 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $30.88 is for.
Which stocks are comparable to JTNB Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $20.45, calculated fair value $30.88 (+51%), Quality Score 58/100, from 4 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 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $30.88, 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 13.0 % above its aggregate fair value. JTNB Bancorp Inc currently trades 51 % 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 Sep 23, 2026 was $20.45. Our model-based fair value is $30.88, about +51% upside (undervalued). 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 is below even our cautious bear case ($23.16). The market is more pessimistic than our downside scenario. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. 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 $19.1M. 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 1.71 (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 $2.27 (price ÷ EPS = P/E 8.9). 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 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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Sep 23, 2026