A Business at a Glance
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ITEM 1. BUSINESS Juniata Valley Financial Corp. (the “Company” or “Juniata”) is a Pennsylvania corporation formed in 1983 as a result of a plan of merger and reorganization of The Juniata Valley Bank (the “Bank”). The plan received regulatory approval on June 7, 1983 and Juniata, a one-bank holding company, registered under the Bank Holding Company Act of 1956 as a bank holding company. The Bank is the oldest independent commercial bank in Juniata and Mifflin Counties and was organized as a state bank charter in 1867. The Company has one reportable segment, consisting of the Bank, as described in Note 2 of The Notes to Consolidated Financial Statements. Nature of Operations Juniata operates primarily in central and northern Pennsylvania with the purpose of delivering financial services within its local markets.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 30M | 29M | 28M | 29M | 26M | 26M |
| Net Income | 7.5M | 6.2M | 6.6M | 7.1M | 6.6M | 5.6M |
| EPS | $1.48 | $1.24 | $1.31 | $1.41 | $1.32 | $1.10 |
| Free Cash Flow | 8.0M | 3.4M | 7.5M | 9.5M | 8.6M | 6.4M |
| ROIC | 13.6% | 11.9% | 11.0% | 12.7% | 7.2% | 5.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.78 | 1.00 | 1.81 | 2.12 | 0.34 | 0.78 |
| Dividends/Share | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 |
| Operating Income | 371K | 360K | 472K | 1.5M | 331K | 348K |
| Operating Margin | 1.2% | 1.3% | 1.7% | 5.3% | 1.2% | 1.4% |
| ROE | 13.6% | 14.2% | 16.4% | 19.8% | 9.3% | 7.3% |
| Shares Outstanding | 5M | 5M | 5M | 5M | 5M | 5M |
JUNIATA VALLEY FINANCIAL CORP passes 3 of 9 quality checks, indicating weak fundamentals.
JUNIATA VALLEY FINANCIAL CORP trades at 10.9x trailing earnings, compared to its 15-year median P/E of 11.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.7x vs a median of 9.3x. The company's 5-year average ROIC is 9.6%. Total shareholder yield (dividends) is 6.5%. At current prices, the estimated annualized return to fair value is -2.4%.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a current P/E ratio of 10.9, compared to its historical median P/E of 11.1. The stock is currently considered Fair based on its historical valuation range.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a 5-year average return on invested capital (ROIC) of 9.6%. This is below average and may indicate limited pricing power.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a market capitalization of $68M. It is classified as a small-cap stock.
Yes, JUNIATA VALLEY FINANCIAL CORP (JUVF) pays a dividend with a trailing twelve-month yield of 6.52%. The company also returns capital through share buybacks, with a buyback yield of 0.01%.
Based on historical P/E analysis, JUNIATA VALLEY FINANCIAL CORP (JUVF) appears fair. The current P/E of 10.9 is 2% below its historical median of 11.1. The estimated fair value CAGR (P/E method) is 2.5%.
JUNIATA VALLEY FINANCIAL CORP (JUVF) operates in the State Commercial Banks industry, within the Financials sector.
JUNIATA VALLEY FINANCIAL CORP (JUVF) reported annual revenue of $29 million in its most recent fiscal year, based on SEC EDGAR filings.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a net profit margin of 21.7%. This is a strong margin indicating high profitability.
JUNIATA VALLEY FINANCIAL CORP (JUVF) generated $3 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a debt-to-equity ratio of 1.00. This indicates moderate leverage.
JUNIATA VALLEY FINANCIAL CORP (JUVF) reported earnings per share (EPS) of $1.24 in its most recent fiscal year.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a return on equity (ROE) of 14.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for JUNIATA VALLEY FINANCIAL CORP (JUVF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a book value per share of $9.45, based on its most recent annual SEC filing.