J Spencer Jewelry & Gifts Inc
How we got $2.3M
Based on its 29 employees and its payroll, both reported for PPP in 2020 and brought up to date.
Estimated value over time
▲ 19% 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.
What we know
Signs of a sale Some signs of a sale
- In business 27 years (since 1999)
- No family successor named on its website
From public records and the company's website, not a statement that it's for sale.
What they do
J. Spencer is Oklahoma's premier destination for unique women's jewelry, apparel, and accessories.
From the company's website. Industry: Retail Trade.
Customers & suppliers
Suppliers & brands
- enewton · brand it sells or installs
- Julie Vos · brand it sells or installs
- Lizas Jewelry · brand it sells or installs
- Mariana · brand it sells or installs
- La Vie Parisienne · brand it sells or installs
- CAI Jewelry · brand it sells or installs
- Firefly · brand it sells or installs
- Meaningful Moments · brand it sells or installs
- Zenzii · brand it sells or installs
- Melinda Maria · brand it sells or installs
- Codeword · brand it sells or installs
- Warmies · brand it sells or installs
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| J SPENCER JEWELRY & GIFTS INC this business | $10.0M | — |
| PURSE-A-NALITY LLC Tulsa · 2 employees | $829K | 0.2 mi |
| LA MARIEE BOUTIQUE LLC Tulsa | $1.6M | 0.4 mi |
| JMJSTRONG, LLC Tulsa · 18 employees | $5.1M | 0.7 mi |
| TO MANY Q'S, LLC Tulsa · 5 employees | $2.2M | 0.9 mi |
| AMARANTH COLLECTION CORP Tulsa · 5 employees | $1.4M | 1.0 mi |
| NAME BRANDS, INC Tulsa · 288 employees | $151.8M | 1.1 mi |
Ranges & sources
| Revenue range | $6.6M – $11.4M |
| EBITDA range | $504K – $873K |
| Industry (NAICS) | Retail Trade (448150) |
| Value range | $1.2M – $3.1M |
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: approximate sector default. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
History & advisors
“Founded in 1999 by Chris and Julie Spencer, J. Spencer quickly became Oklahoma’s go-to destination for distinctive women’s jewelry, apparel, and accessories.”
Advisors
- BankingBOKF, National Association, Vast Bank, National AssociationPPP / 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
| BOKF, National Association PPP 2020, PPP 2021 | All 2,399 borrowers → |
| Vast Bank, National Association 7(a) 2025 | All 359 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/5/2020 | first | $108K | 29 |
| 2/8/2021 | second | $108K | 29 |
Public records
| Mar 2025 | 7(a) | $2.7M |
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About J Spencer Jewelry & Gifts Inc
J Spencer Jewelry & Gifts Inc is a retail trade company in Tulsa, Oklahoma, in business since 1999. It is owned by Lori Kindle. Its estimated annual revenue is about $10.0M, with roughly $766K of EBITDA. It has about 29 employees. Its estimated business value is $2.3M (likely range $1.2M–$3.1M).
Common questions
- Who owns J Spencer Jewelry & Gifts Inc?
- J Spencer Jewelry & Gifts Inc is owned by Lori Kindle, according to public sources such as the company's website or filings.
- How much revenue does J Spencer Jewelry & Gifts Inc make?
- SeeBITDA estimates J Spencer Jewelry & Gifts Inc's annual revenue at about $10.0M (likely between $6.6M and $11.4M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is J Spencer Jewelry & Gifts Inc worth?
- About $2.3M, roughly 3× its estimated EBITDA of $766K, typical for a retail trade company its size. Likely range: $1.2M–$3.1M.
- How many employees does J Spencer Jewelry & Gifts Inc have?
- About 29, as reported on its PPP loan.
- When was J Spencer Jewelry & Gifts Inc founded?
- J Spencer Jewelry & Gifts Inc has been in business since 1999.