Jeffersonville Bancorp Announces Fourth Quarter and Record Full Year Earnings of $12,553,000 or $2.96 per share; Declares Dividend of $0.15

Rhea-AI Summary

Jeffersonville Bancorp (OTCQB: JFBC) reported 2025 net income of $12,553,000 or $2.96 per share, up 10.8% from 2024. Fourth-quarter net income was $3,252,000 or $0.77 per share. The board declared a cash dividend of $0.15 per share payable March 6, 2026.

Full-year gains were driven by higher loan interest and fees and lower interest expense, partially offset by lower securities income, higher taxes and higher non-interest expenses. ROA was 1.90% and leverage capital ratio 14.68%, both above peer averages.

Positive

• Net income +10.8% YoY to $12.553M
• EPS $2.96 for full year 2025
• ROA 1.90%, 53% above peer average
• Leverage capital 14.68%, 35% above peer average
• Declared cash dividend $0.15 payable March 6, 2026

Negative

• Securities and other interest/dividends down by $1.705M
• Total non-interest expenses increased by $215,000
• Tax expense increased by $335,000 year-over-year

News Market Reaction – JFBC

+3.39%

1 alert

+3.39% News Effect

On the day this news was published, JFBC gained 3.39%, reflecting a moderate positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

JEFFERSONVILLE, N.Y., Feb. 10, 2026 (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today net income for the year ended December 31, 2025 was $12,553,000 or $2.96 per share compared to $11,330,000 or $2.68 per share for the same period in 2024. This represents an increase of $1,223,000 or 10.8%. The increase in full-year net income was primarily attributable to an increase in loan interest and fees of $1,890,000 and a decrease in interest expense of $1,989,000. These gains were partially offset by a decrease in securities and other interest and dividends of $1,705,000, a decrease in non-interest income of $206,000, an increase in total non-interest expenses of $215,000, and an increase in tax expense of $335,000 compared to the same period in 2024.

Net income for the fourth quarter was $3,252,000 or $0.77 per share compared to $2,654,000 or $0.63 per share for the same quarter in 2024. The increase in quarterly net income compared to 2024 of $598,000 was primarily attributable to an increase in loan interest and fees of $529,000, a decrease in interest expense of $225,000, and an increase in non-interest income of $196,000, partially offset by an increase in total non-interest expense of $196,000 and in tax expense of $197,000.

"I am very pleased to report that our full year results represented the fourth consecutive year of record earnings for the Company," said George W. Kinne, Jr., President and CEO, “Jeff Bank’s strong core deposit base was evidenced by our interest expense being in the lowest percentile among its peer group of 1,296 insured commercial banks in the United States with assets between $300 million and $1 billion. In addition, our return on assets (ROA) of 1.90% was 53% higher and our leverage capital ratio of 14.68% was 35% higher than the average of those same peers. These remarkable accomplishments allowed us to reward our loyal shareholders with two special dividends in addition to our regular dividends in 2025.”
A cash dividend in the amount of fifteen cents ($0.15) per share on the common stock of the company was declared at the February 10, 2026 meeting of the Board of Directors. The dividend is payable on March 6, 2026 to stockholders of record at the close of business on February 25, 2026.

Jeffersonville Bancorp is a one-bank holding company, which owns all the capital stock of Jeff Bank. Jeff Bank maintains ten full-service branches in Sullivan and Orange County, New York located in Anawana Lake Road/Monticello, Eldred, Callicoon, Jeffersonville, Liberty, Livingston Manor, Monticello, Port Jervis, White Lake, and Wurtsboro.

For More Information, call: 845-482-4000
Contact: George W. Kinne, Jr., President – CEO

FAQ

What were Jeffersonville Bancorp (JFBC) full-year 2025 earnings and EPS?

Jeffersonville Bancorp reported $12,553,000 net income and $2.96 EPS for 2025. According to the company, results reflect higher loan interest and lower interest expense, partly offset by lower securities income and higher taxes and non-interest expenses.

Why did JFBC's net income increase in 2025 compared to 2024?

Net income rose mainly due to higher loan interest and fees and lower interest expense. According to the company, loan interest and fees increased by $1.89M and interest expense fell by $1.989M, boosting full-year profitability.

When is the JFBC dividend and who is eligible for the $0.15 payment?

The cash dividend of $0.15 per share is payable March 6, 2026 to shareholders of record on February 25, 2026. According to the company, the dividend was declared by the board on February 10, 2026.

How did Jeffersonville Bancorp perform in the fourth quarter of 2025 (JFBC)?

Fourth-quarter net income was $3,252,000, or $0.77 per share, up from the prior-year quarter. According to the company, quarterly gains came from higher loan interest and fees, lower interest expense and increased non-interest income.

What capital and profitability metrics did JFBC report versus peers?

JFBC reported a 1.90% ROA and 14.68% leverage capital ratio, both above peer averages. According to the company, ROA was 53% higher and leverage capital 35% higher than comparable banks.