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

Jeffersonville Bancorp, Inc. (OTCQB - JFBC) recently reported record earnings for the fourth quarter and full year ending December 31, 2025. The company recorded a net income of $12,553,000 or $2.96 per share, up from $11,330,000 or $2.68 per share in 2024, reflecting a notable increase of 10.8%. Key factors driving this growth included a rise in loan interest and fees by $1,890,000 and a reduction in interest expenses amounting to $1,989,000. However, these gains were tempered by declines in securities income and other fees, as well as a slight rise in non-interest expenses and tax expenses compared to the prior year.

In the fourth quarter alone, Jeffersonville Bancorp saw net income of $3,252,000 or $0.77 per share, compared to $2,654,000 or $0.63 per share in the same quarter of the previous year, translating to an increase of $598,000. Contributing factors included increased loan interest and fees, decreased interest expenses, and improved non-interest income, counterbalanced partially by rising non-interest expenses and tax liabilities.

George W. Kinne, Jr., the company's President and CEO, highlighted this performance as the fourth consecutive year of record earnings, crediting the strong core deposit base and low interest expenses relative to its peers. The company also celebrated a return on assets (ROA) of 1.90% and a leverage capital ratio of 14.68%, both significantly higher than the industry average.

Additionally, the Board of Directors declared a cash dividend of $0.15 per share, payable on March 6, 2026, as part of the company’s commitment to rewarding its shareholders. Jeffersonville Bancorp operates Jeff Bank, which includes ten branches across Sullivan and Orange County, New York.

Jeffersonville Bancorp, Inc. (OTCQB: JFBC), has reported a commendable growth in earnings for 2025, marking a notable achievement in its sustained revenue performance. With net income rising to $12,553,000, equivalent to $2.96 per share, a 10.8% increase from the previous year, the bank demonstrates solid operational resilience and efficient financial management strategies. This growth is primarily driven by increased loan interest and fees, showcasing the bank's ability to capitalize on its lending activities despite the challenges posed by fluctuating interest rates.

The fourth-quarter results are particularly encouraging, with net income reaching $3,252,000 or $0.77 per share, reflecting strong performance and affirming the bank's continued profitability trends. The increase in non-interest income further indicates effective diversification strategies and sound revenue-generating capabilities.

Investors may find the declaration of a $0.15 dividend appealing, representing not only shareholder returns but also a sign of financial health and operational stability. The ability of Jeffersonville Bancorp to reward shareholders through regular and special dividends over the past four years suggests a robust core deposit base and prudent cost management. The bank's interest expense being among the lowest in its peer group further underscores its competitive advantage.

Moreover, the return on assets (ROA) of 1.90% and leverage capital ratio of 14.68% significantly surpass industry averages, positioning Jeffersonville Bancorp favorably against its contemporaries.

Given these strengths, the stock may present a viable investment opportunity, particularly for those seeking dividends and stability in the banking sector. However, investors should remain cautious about potential volatility in interest rates and related market conditions that could affect future earnings. As always, thorough analysis and consideration of broader economic indicators are advised before making investment decisions.