A Business at a Glance
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JUNIATA VALLEY FINANCIAL CORP
JUVF
$83M
Mkt Cap
$16.50
+1.85%
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a current P/E ratio of 13.3, compared to its historical median P/E of 10.4. The stock is currently considered Expensive based on its historical valuation range.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a 5-year average return on invested capital (ROIC) of 10.6%. This indicates solid capital allocation.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a market capitalization of $83M. It is classified as a small-cap stock.
Yes, JUNIATA VALLEY FINANCIAL CORP (JUVF) pays a dividend with a trailing twelve-month yield of 5.33%. The company also returns capital through share buybacks, with a buyback yield of 0.00%.
Based on historical P/E analysis, JUNIATA VALLEY FINANCIAL CORP (JUVF) appears expensive. The current P/E of 13.3 is 27% above its historical median of 10.4. The estimated fair value CAGR (P/E method) is 2.2%.
JUNIATA VALLEY FINANCIAL CORP (JUVF) operates in the State Commercial Banks industry, within the Financials sector.
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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 45M | 45M | 43M | 39M | 33M | 30M |
| Net Income | 8.0M | 8.0M | 6.2M | 6.6M | 7.1M | 6.6M |
| EPS | $1.59 | $1.59 | $1.24 | $1.31 | $1.41 | $1.32 |
| Free Cash Flow | 9.5M | 9.5M | 3.4M | 7.5M | 9.5M | 8.6M |
| ROIC | 7.9% | 14.5% | 11.1% | 11.4% | 9.6% | 6.5% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.87 | 0.87 | 1.00 | 1.81 | 2.12 | 0.34 |
| Dividends/Share | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 |
| Operating Income | 9.4M | 9.4M | 360K | 472K | 1.5M | 331K |
| Operating Margin | 20.9% | 20.9% | 0.8% | 1.2% | 4.7% | 1.1% |
| ROE | 13.9% | 15.2% | 14.2% | 17.4% | 13.2% | 8.9% |
| Shares Outstanding | 5M | 5M | 5M | 5M | 5M | 5M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 21M | 22M | 26M | 27M | 29M | 30M | 30M | 30M | 33M | 39M | 43M | 45M | 45M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 14M | 16M | 17M | 18M | 19M | 20M | 19M | 20M | 22M | 20M | 21M | 21M | 21M |
| EBIT | 4.7M | 229K | 283K | 294K | 334K | 344K | 348K | 331K | 1.5M | 472K | 360K | 9.4M | 9.4M |
| Op. Margin | 22.3% | 1.0% | 1.1% | 1.1% | 1.2% | 1.1% | 1.2% | 1.1% | 4.7% | 1.2% | 0.8% | 20.9% | 20.9% |
| Net Income | 4.2M | 3.1M | 5.2M | 4.5M | 5.9M | 5.8M | 5.6M | 6.6M | 7.1M | 6.6M | 6.2M | 8.0M | 8.0M |
| Net Margin | 19.8% | 14.0% | 19.9% | 17.0% | 20.6% | 19.2% | 18.9% | 22.2% | 21.5% | 17.1% | 14.5% | 17.8% | 17.8% |
| Non-Recurring | 9K | 13K | 218K | 512K | -188K | -43K | 855K | 21K | -1.5M | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 6.9% | 4.0% | 6.2% | 5.4% | 7.1% | 5.8% | 4.9% | 6.5% | 9.6% | 11.4% | 11.1% | 14.5% | 7.9% |
| ROE | 8.4% | 5.6% | 8.7% | 7.7% | 9.3% | 8.3% | 7.5% | 8.9% | 13.2% | 17.4% | 14.2% | 15.2% | 13.9% |
| ROA | 0.9% | 0.6% | 0.9% | 0.8% | 1.0% | 0.9% | 0.8% | 0.8% | 0.9% | 0.8% | 0.7% | 0.9% | 0.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 5.9M | 5.2M | 6.3M | 6.8M | 5.3M | 9.9M | 6.8M | 8.9M | 9.9M | 7.9M | 5.3M | 10M | 10M |
| Free Cash Flow | 5.2M | 4.8M | 5.8M | 4.1M | 4.8M | 8.6M | 6.4M | 8.6M | 9.5M | 7.5M | 3.4M | 9.5M | 9.5M |
| Owner Earnings | 5.3M | 4.6M | 5.5M | 6.0M | 4.3M | 8.9M | 5.8M | 7.9M | 9.1M | 7.1M | 4.4M | 9.1M | 9.1M |
| CapEx | 697K | 463K | 542K | 2.7M | 548K | 1.3M | 371K | 274K | 449K | 356K | 1.9M | 621K | 621K |
| Maint. CapEx | 539K | 557K | 700K | 739K | 894K | 888K | 883K | 778K | 685K | 644K | 818K | 866K | 866K |
| Growth CapEx | 158K | 0 | 0 | 2.0M | 0 | 420K | 0 | 0 | 0 | 0 | 1.1M | 0 | 0 |
| D&A | 539K | 557K | 700K | 739K | 894K | 888K | 883K | 778K | 685K | 644K | 818K | 866K | 866K |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.7M | 3.7M | 4.2M | 4.2M | 4.4M | 4.5M | 4.5M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M |
| Dividend Yield | 9.0% | 8.3% | 8.2% | 7.3% | 6.5% | 6.4% | 7.1% | 7.0% | 7.1% | 7.3% | 8.0% | N/A | 5.3% |
| Share Buybacks | 222K | 63K | 927K | 86K | 70K | 428K | 1.5M | 861K | 3K | 324K | 3K | 4K | 4K |
| Buyback Yield | 0.5% | 0.1% | 1.7% | 0.1% | 0.1% | 0.6% | 2.2% | 1.4% | 0.0% | 0.5% | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | 47K | 57K | 67K | 71K | 82K | 113K | 128K | 158K | 176K | 143K | 142K | 154K | 154K |
| Debt Repayment | 0 | 0 | 7.5M | 0 | 10M | 15M | 10M | 15M | 0 | 0 | 15M | 5.0M | 5.0M |
| Balance Sheet | |||||||||||||
| Net Debt | 36M | 47M | 47M | 37M | -119M | -165M | -268M | -325M | -8.7M | -13M | 551K | -11M | 44M |
| Cash & Equiv. | 6.8M | 10M | 9.6M | 9.9M | 6.6M | 13M | 42M | 14M | 11M | 18M | -18M | 5.7M | 5.7M |
| Long-Term Debt | 23M | 23M | 25M | 25M | 15M | 45M | 35M | 20M | 20M | 20M | 5.0M | 0 | N/A |
| Debt/Equity | 0.86 | 0.96 | 0.97 | 0.79 | 0.44 | 0.79 | 0.78 | 0.34 | 2.12 | 1.81 | 1.00 | 0.87 | 0.87 |
| Interest Coverage | 2.8 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.5 | 0.1 | 0.0 | 0.0 | 0.8 |
| Equity | 50M | 60M | 59M | 59M | 67M | 74M | 77M | 71M | 36M | 40M | 47M | 57M | 57M |
| Total Assets | 481M | 584M | 580M | 592M | 625M | 671M | 794M | 811M | 830M | 871M | 849M | 895M | 895M |
| Total Liabilities | 431M | 524M | 521M | 533M | 558M | 597M | 717M | 739M | 794M | 830M | 801M | 838M | 838M |
| Intangibles | 193K | 205K | 205K | 225K | 200K | 180K | 158K | 120K | 92K | 83K | 69K | 60K | 60K |
| Retained Earnings | 40M | 39M | 40M | 41M | 43M | 44M | 45M | 47M | 50M | 51M | 53M | 57M | 57M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.01 | 0.72 | 1.07 | 0.95 | 1.18 | 1.14 | 1.10 | 1.32 | 1.41 | 1.31 | 1.24 | 1.59 | 1.59 |
| Owner EPS | 1.27 | 1.09 | 1.15 | 1.25 | 0.87 | 1.75 | 1.13 | 1.59 | 1.81 | 1.41 | 0.87 | 1.81 | 1.81 |
| Book Value | 11.94 | 14.12 | 12.26 | 12.44 | 13.47 | 14.40 | 15.04 | 14.25 | 7.12 | 7.97 | 9.45 | 11.43 | 11.43 |
| Cash Flow/Share | 1.42 | 1.23 | 1.31 | 1.42 | 1.06 | 1.94 | 1.33 | 1.77 | 1.98 | 1.56 | 1.06 | 2.01 | 1.76 |
| Dividends/Share | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 |
| Shares Out. | 4.2M | 4.2M | 4.8M | 4.8M | 5.0M | 5.1M | 5.1M | 5.0M | 5.0M | 5.0M | 5.0M | 5.0M | 5.0M |
| Valuation | |||||||||||||
| P/E Ratio | 10.1 | 14.3 | 10.4 | 13.5 | 11.9 | 11.8 | 11.8 | 9.6 | 8.9 | 9.7 | 10.0 | N/A | 10.4 |
| P/FCF | 8.2 | 9.2 | 9.3 | 14.9 | 14.7 | 8.0 | 10.3 | 7.4 | 6.6 | 8.5 | 18.3 | N/A | 8.7 |
| EV/EBIT | 11.1 | 420.6 | 376.5 | 333.5 | 298.3 | 369.7 | 361.4 | 264.2 | 89.9 | 289.4 | 304.2 | N/A | 13.6 |
| Price/Book | 0.9 | 0.7 | 0.9 | 1.0 | 1.0 | 0.9 | 0.9 | 0.9 | 1.8 | 1.6 | 1.3 | N/A | 1.4 |
| Price/Sales | 2.2 | 2.2 | 2.2 | 2.4 | 2.7 | 2.7 | 2.5 | 2.4 | 2.1 | 2.2 | 1.9 | N/A | 1.9 |
| FCF Yield | 12.2% | 10.9% | 10.7% | 6.7% | 6.8% | 12.5% | 9.7% | 13.6% | 15.1% | 11.8% | 5.5% | N/A | 11.4% |
| Market Cap | 43M | 44M | 54M | 61M | 70M | 69M | 66M | 63M | 63M | 64M | 62M | 0 | 83M |
| Avg. Price | 9.83 | 10.46 | 10.74 | 12.07 | 13.65 | 13.70 | 12.39 | 12.59 | 12.35 | 11.99 | 10.99 | 0.00 | 16.50 |
| Year-End Price | 10.22 | 10.30 | 11.18 | 12.78 | 14.01 | 13.49 | 12.97 | 12.64 | 12.54 | 12.67 | 12.39 | 0.00 | 16.50 |
JUNIATA VALLEY FINANCIAL CORP passes 4 of 9 quality checks, suggesting mixed fundamentals.
JUNIATA VALLEY FINANCIAL CORP trades at 13.3x trailing earnings, compared to its 15-year median P/E of 10.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 15.5x vs a median of 9.3x. The company's 5-year average ROIC is 10.6%. Total shareholder yield (dividends) is 5.3%. At current prices, the estimated annualized return to fair value is -2.7%.
JUNIATA VALLEY FINANCIAL CORP (JUVF) reported annual revenue of $45 million in its most recent fiscal year, based on SEC EDGAR filings.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a net profit margin of 17.8%. This is a healthy margin.
JUNIATA VALLEY FINANCIAL CORP (JUVF) generated $9 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 0.87. This indicates moderate leverage.
JUNIATA VALLEY FINANCIAL CORP (JUVF) reported earnings per share (EPS) of $1.59 in its most recent fiscal year.
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a return on equity (ROE) of 15.2%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 16 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 $11.43, based on its most recent annual SEC filing.