JUVFOTCState Commercial BanksFiscal year ends December 31
JUNIATA VALLEY FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026
$15.60+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $78.76M
- P/E (TTM)
- 8.4
- Dividend yield
- 5.64%
Juniata Valley Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Market Cap | $78.53M | $679.86M |
| Enterprise Value | $122.36M | $408.94M |
| PE Ratio | 8.39 | 12.00 |
| PS Ratio | 2.32 | 3.61 |
| PB Ratio | 1.25 | 1.18 |
| P/TBV Ratio | 1.49 | 1.41 |
| P/OCF Ratio | 6.12 | 10.04 |
Enterprise value
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| EV / Sales | 3.61 | 2.78 |
Income (trailing twelve months)
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Revenue | $33.86M | $170.85M |
| Pretax Income | $11.11M | $70.12M |
| Net Income | $9.38M | $54.33M |
| EPS (Diluted) | $1.86 | $2.90 |
Margins
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Pretax Margin | 32.8% | 36.4% |
| Profit Margin | 27.7% | 29.1% |
Returns
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 16.3% | 10.5% |
| Return on Assets (ROA) | 1.05% | 1.12% |
Growth
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 14.8% | 11.8% |
| Net Income Growth (YoY) | 33.1% | 23.1% |
| EPS Growth (YoY) | 31.9% | 22.7% |
| Revenue Growth (3Y CAGR) | 1.97% | 5.82% |
| Revenue Growth (5Y CAGR) | 4.01% | 6.17% |
| EPS Growth (3Y CAGR) | 4.09% | 1.26% |
| EPS Growth (5Y CAGR) | 7.65% | 8.24% |
Balance sheet
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Total Debt | $43.82M | $177.19M |
| Net Cash (Debt) | -$43.82M | $164.40M |
| Net Cash Per Share | -$8.70 | $8.13 |
| Equity (Book Value) | $62.67M | $560.44M |
| Book Value Per Share | $12.45 | $28.47 |
| Tangible Book Value | $52.86M | $472.29M |
Financial position
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Debt / Equity | 0.70 | 0.20 |
Cash flow (trailing twelve months)
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $12.84M | $61.20M |
Efficiency
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $231.90K | $353.78K |
| Profits Per Employee | $64.27K | $107.28K |
| Employee Count | 146 | 489 |
Dividends and yields
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Earnings Yield | 11.9% | 8.07% |
| Dividend Yield | 5.64% | 2.48% |
| Buyback Yield | 0.02% | 1.55% |
| Shareholder Yield | 5.66% | 3.13% |
| Dividend Per Share | $0.88 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 47.1% | 29.4% |
Shares
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Shares Outstanding | 5,034,290 | 18,839,100 |
| Shares Change (YoY) | 0.45% | 0.39% |
| Shares Change (QoQ) | 0.04% | 0.00% |
| Float | 4,915,680 | 17,061,900 |
| Shares Held by Insiders | 2.36% | 5.89% |
Taxes
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Income Tax | $1.73M | $14.50M |
| Effective Tax Rate | 15.6% | 21.1% |
Scores
| Measure | Juniata Valley Financial | Industry median |
|---|---|---|
| Graham Number | $22.83 | $45.31 |
| Graham Upside | 46.3% | 21.6% |
| Altman Z-Score | 0.18 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Juniata Valley Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.