Juniata Valley Financial (JUVF) AI Stock Analysis

• Market Cap: $70.31M
• Dividend Yield: 6.26%
• Average Volume (3M): 1.32K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.30
• Revenue Growth: 5.45%
• EPS Growth: 7.18%
• Country: US
• Employees: 115
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 5,018,799
• 10 Day Avg. Volume: 739
• 30 Day Avg. Volume: 1,321
• PEG Ratio: -1.97
• Price to Book (P/B): 1.37
• Price to Sales (P/S): 1.52
• P/FCF Ratio: 19.16
• Enterprise Value/Market Cap: 1.55
• Enterprise Value/Revenue: 2.87
• Enterprise Value/Gross Profit: 2.77
• Enterprise Value/Ebitda: 19.60
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: ―

Juniata Valley Financial exhibits strong revenue growth and operational efficiency, complemented by attractive valuation due to a low P/E ratio and high dividend yield. However, challenges remain with declining profitability and cash flow, alongside a need for improved equity management. The stable technical indicators and positive corporate governance changes provide additional support to the stock's balanced investment outlook.

Juniata Valley Financial Business Overview & Revenue Model

Company Description

Juniata Valley Financial Corp. operates as the bank holding company for The Juniata Valley Bank that provides retail and commercial banking services primarily to small and mid-sized businesses in central and northern Pennsylvania, the United States. The company accepts personal checking, club, money market deposit, savings, individual retirement, business checking, payroll direct deposit, and demand and time deposit accounts, as well as certificates of deposit. It also offers checking overdraft privileges, secured lines of credit, construction and mortgage loans, secured and unsecured commercial and consumer loans, commercial lines of credit, letters of credit, mobile deposits for small business customers, and commercial term and demand loans. In addition, the company provides online, mobile, and telephone banking services; automated teller machine (ATM), online account management, remote deposit capability, and ACH origination services; debit cards; and safe deposit boxes. Further, it offers trust, asset management, and estate services; and a range of financial services, including annuities, mutual funds, and stock and bond brokerage services, as well as long-term care insurance products. As of December 31, 2021, the company operated 16 community offices located in Juniata, Mifflin, Perry, Huntingdon, McKean, Potter, and Centre counties. Juniata Valley Financial Corp. was founded in 1867 and is headquartered in Mifflintown, Pennsylvania.

How the Company Makes Money

Juniata Valley Financial makes money primarily through interest income from loans and mortgages offered to individuals and businesses. The company earns revenue from the interest charged on these financial products, as well as from fees associated with account maintenance, transaction services, and financial advisory. Additionally, Juniata Valley Financial generates income from investments in securities and partnerships that enhance its earning potential. The company also benefits from strategic relationships with local businesses and community organizations, which help in expanding its customer base and increasing its market penetration.

Juniata Valley Financial Financial Statement Overview

Summary

Juniata Valley Financial demonstrates strong revenue growth and operational efficiency as evidenced by high EBIT margins. However, declining net profit margins and reduced return on equity highlight profitability concerns. The balance sheet suggests a need for improved equity positions to mitigate financial risks, while cash flow management requires attention due to decreasing free cash flow. Overall, the company is on a positive growth trajectory but needs to address profitability and cash flow challenges to sustain long-term stability.

Income Statement

Juniata Valley Financial shows a strong gross profit margin consistently at 100%, reflecting efficient cost management. The net profit margin decreased in the TTM (Trailing-Twelve-Months) to 16.8% from 24.4% in the previous year, indicating some decline in profitability. However, revenue growth rate improved significantly by 37.5% in the latest period, showcasing strong top-line growth. The EBIT margin also increased to 96.9% in the TTM, indicating robust operational efficiency. The absence of EBITDA data for the TTM limits the completeness of the analysis.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.99 in the TTM, illustrating reasonable leverage. Return on equity fell to 13.1% from 15.9% in the previous year, reflecting a drop in shareholder profitability. The equity ratio decreased to 5.6%, indicating a higher reliance on liabilities to finance assets, which could imply potential financial risk if not managed carefully.

Cash Flow

Free cash flow growth is negative as the free cash flow decreased by 42.7% in the TTM, which could pressure financial flexibility. The operating cash flow to net income ratio is 0.69, suggesting that not all net income is translated into cash flow from operations. The free cash flow to net income ratio is at 0.69 as well, indicating a cautious but steady cash generation in relation to profits.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	42.94M	27.00M	29.39M	26.55M	25.57M
Gross Profit	28.22M	27.00M	29.39M	26.55M	25.57M
EBITDA	0.00	8.21M	8.06M	7.67M	6.43M
Net Income	6.23M	6.60M	7.06M	6.60M	5.60M
Balance Sheet
Total Assets	848.87M	870.55M	830.88M	810.52M	793.72M
Cash, Cash Equivalents and Short-Term Investments	69.69M	28.93M	84.53M	349.69M	318.77M
Total Debt	47.24M	60.00M	75.71M	24.23M	59.75M
Total Liabilities	801.42M	830.42M	793.93M	739.23M	717.12M
Stockholders Equity	47.46M	41.39M	36.95M	71.29M	76.60M
Cash Flow
Free Cash Flow	3.40M	7.51M	9.49M	8.59M	6.40M
Operating Cash Flow	5.33M	7.87M	9.94M	8.87M	6.78M
Investing Cash Flow	7.78M	-1.19M	-62.68M	-53.87M	-92.55M
Financing Cash Flow	-31.05M	11.25M	50.21M	16.91M	114.65M

Juniata Valley Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.26
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JUVF, the sentiment is Neutral. The current price of 14.26 is below the 20-day moving average (MA) of 14.32, above the 50-day MA of 13.98, and above the 200-day MA of 12.69, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 47.63 is Neutral, neither overbought nor oversold. The STOCH value of 6.98 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JUVF.

Juniata Valley Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	80 Outperform	$71.42M	9.98	5.03%	2.56%	9.06%	-16.04%
JUVF	71 Outperform	$70.31M	9.98	14.72%	6.26%	5.45%	7.18%
FUSB	67 Neutral	$69.50M	12.45	5.75%	2.33%	2.84%	-31.20%
UBCP	65 Neutral	$78.53M	10.70	12.50%	6.51%	5.73%	-13.97%
SSBI	58 Neutral	$79.85M	-49.69	-4.57%	3.36%	-0.03%	-126.57%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Juniata Valley Financial Corporate Events

Juniata Valley Financial Appoints New Director

Juniata Valley Financial Corp. appointed John Henry IV as a director on April 15, 2025, with his term starting at the June 17, 2025 Board of Directors meeting. Mr. Henry, known for his leadership at JPH Enterprises, is expected to bring valuable business acumen and community-focused insights to the board, potentially enhancing the company’s strategic direction and stakeholder engagement.

Spark’s Take on JUVF Stock

According to Spark, TipRanks’ AI Analyst, JUVF is a Outperform.

Juniata Valley Financial shows strong revenue growth and operational efficiency but faces challenges with declining profitability and cash flow. The stock’s technical indicators suggest a stable upward trend, while the low P/E ratio and high dividend yield offer attractive valuation potential. Despite the need for improvements in profitability and equity management, the stock presents a balanced investment opportunity with positive growth prospects.

To see Spark’s full report on JUVF stock, click here.

Juniata Valley Financial Announces Director’s Departure

The Juniata Valley Financial Corp. announced that Bradley J. Wagner will not stand for reelection to the Board of Directors at the Annual Meeting of Shareholders on May 20, 2025, due to expanded professional commitments. Mr. Wagner has been a director for eleven years, serving as Chairman of the Audit and Asset Liability Management Committees, and the company expressed gratitude for his leadership and service.