J&cw Financial Services, LLC
How we got $430K
Based on its 2 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Estimated value over time
▲ 30% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| J&CW FINANCIAL SERVICES, LLC this business | $373K | — |
| Brooks Agency Llc Cherokee | $806K | 0.5 mi |
| Pate Agency Lp Cherokee | $806K | 0.5 mi |
| EVANS STANDS, INC. Cherokee · 2 employees | $469K | 0.5 mi |
| Alfalfa County Farm Bureau Cherokee | $806K | 0.5 mi |
| Luke Wood, Oklahoma Farm Bureau Insurance Agent Cherokee | $806K | 0.5 mi |
| S & H INSURANCE Alva · 1 employees | $245K | 16.8 mi |
The full calculation
| Employees reported to the SBA | 2 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $415K |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $257K |
| Estimate: the two combined (geometric mean) | $373K |
| EBITDA margin (industry, adjusted for size) | 38% |
| EBITDA = revenue × margin | $143K |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $430K |
| Multiple for this size and industry | 3× |
| Value range | $226K – $588K |
| Revenue range | $245K – $425K |
| EBITDA range | $94K – $163K |
| Industry (NAICS) | Insurance Agencies and Brokerages (524210) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
History & advisors
Advisors
- BankingACB BankPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| ACB Bank PPP 2020 | All 79 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/28/2020 | first | $9K | 2 |
About J&cw Financial Services, LLC
J&cw Financial Services, LLC is an insurance agencies company in Cherokee, Oklahoma. Its estimated annual revenue is about $373K, with roughly $143K of EBITDA. It has about 2 employees. Its estimated business value is $430K (likely range $226K–$588K).
Common questions
- Who owns J&cw Financial Services, LLC?
- The owner of J&cw Financial Services, LLC isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does J&cw Financial Services, LLC make?
- SeeBITDA estimates J&cw Financial Services, LLC's annual revenue at about $373K (likely between $245K and $425K), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is J&cw Financial Services, LLC worth?
- About $430K, roughly 3× its estimated EBITDA of $143K, typical for a insurance agencies company its size. Likely range: $226K–$588K.
- How many employees does J&cw Financial Services, LLC have?
- About 2, as reported on its PPP loan.