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Juniata Valley Financial (JUVF) AI Stock Analysis
Juniata Valley Financial
(Other OTC:JUVF)
JUVF earns a score of 67, reflecting a small regional bank on a positive trajectory. The most significant factor is its attractive valuation — a P/E under 9 and a 5.3% dividend yield offer compelling value and income. Financial performance is improving with recovering margins, strong deleveraging, and rebounding cash flows, though profitability has not fully returned to prior peaks. Technical indicators are uniformly bullish with the stock trading above all major moving averages and healthy momentum readings. Corporate events confirm continued operational improvement and sound governance. Key risks include the bank's small scale, limited liquidity, and sensitivity to interest rate movements, which cap the upside score.
Juniata Valley Financial (JUVF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $79.54M
- Dividend Yield
- 5.57%
- Average Volume (3M)
- 3,165
- Price to Earnings (P/E)
- 7.8
- Beta (1Y)
- 0.27
- Revenue Growth
- 9.65%
- EPS Growth
- 36.15%
- Country
- US
- Employees
- 111
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Juniata Valley Financial Business Overview & Revenue Model
Company Description
Juniata Valley Financial Corp. serves as the parent company for The Juniata Valley Bank, a financial institution primarily focused on delivering retail and commercial banking services. Its core client base includes small and medium-sized businesses o...
How the Company Makes Money
Juniata Valley Financial primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is derived from the spread between (1) interest earned on interest-earning assets—prin...
Juniata Valley Financial Financial Statement Overview
Summary
JUVF shows a recovering but still mixed financial profile. Revenue has grown consistently to $47.3M TTM, and net income has rebounded to $9.4M TTM with improving margins (~19.8% net margin). The balance sheet is a standout, with debt-to-equity dropping from 2.12x to 0.70x and equity growing 75% over three years, earning a 62 score. Cash flow recovered strongly to $12.4M FCF TTM with ~96% FCF-to-net-income conversion, though the 2024 trough and low coverage ratio temper enthusiasm. Blending the income statement (58), balance sheet (62), and cash flow (55) scores, the overall financial picture is modestly positive with clear improvement trends but lingering margin compression and scale risks.
Income Statement
58NeutralBalance Sheet
62PositiveCash Flow
55Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 48.49M | 44.74M | 42.94M | 38.52M | 32.81M | 29.77M |
| Gross Profit | 34.18M | 30.20M | 28.22M | 27.53M | 28.93M | 27.32M |
| EBITDA | 12.82M | 10.24M | 8.03M | 8.21M | 8.06M | 7.67M |
| Net Income | 10.22M | 7.98M | 6.23M | 6.60M | 7.06M | 6.60M |
Balance Sheet | ||||||
| Total Assets | 913.13M | 895.26M | 848.87M | 870.55M | 829.62M | 810.52M |
| Cash, Cash Equivalents and Short-Term Investments | 50.09M | 61.32M | 42.15M | 62.48M | 84.53M | 349.69M |
| Total Debt | 27.89M | 50.63M | 47.24M | 32.81M | 75.71M | 24.23M |
| Total Liabilities | 848.60M | 837.89M | 801.42M | 830.42M | 793.93M | 739.23M |
| Stockholders Equity | 64.53M | 57.37M | 47.46M | 40.14M | 35.69M | 71.29M |
Cash Flow | ||||||
| Free Cash Flow | 8.06M | 9.43M | 3.40M | 7.51M | 9.49M | 8.59M |
| Operating Cash Flow | 8.35M | 10.10M | 5.33M | 7.87M | 9.94M | 8.87M |
| Investing Cash Flow | -32.74M | -41.77M | 7.78M | -1.19M | -62.68M | -53.87M |
| Financing Cash Flow | 27.91M | 32.12M | -31.05M | 11.25M | 50.21M | 16.91M |
Juniata Valley Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JUVF, the sentiment is Positive. The current price of 15.90 is above the 20-day moving average (MA) of 15.60, below the 50-day MA of 16.05, and above the 200-day MA of 14.81, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 48.61 is Neutral, neither overbought nor oversold. The STOCH value of 50.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JUVF.
Juniata Valley Financial Risk Analysis
Juniata Valley Financial disclosed 19 risk factors in its most recent earnings report. Juniata Valley Financial reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksJuniata Valley Financial Peers Comparison
Overall Rating
OPHC83Outperform
ASRV70Outperform
UBCP69Neutral- JUVF67Neutral
SSBI52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $115.50M | 5.29 | 16.39% | ― | 24.01% | 20.16% |
| ASRV | 70Outperform | $83.42M | 9.14 | 7.48% | 2.44% | 2.43% | 75.47% |
| UBCP | 69Neutral | $81.21M | 9.97 | 11.53% | 6.71% | 6.21% | 8.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JUVF | 67Neutral | $79.54M | 7.78 | 16.71% | 5.57% | 9.65% | 36.15% |
| SSBI | 52Neutral | $77.40M | 190.50 | 0.33% | ― | -7.24% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JUVF | Juniata Valley Financial Corp | 15.80 | 2.38 | 17.72% | |
| ASRV | AmeriServ Financial, Inc. | 4.91 | 1.88 | 62.15% | |
| OPHC | Optimumbank | 9.15 | 5.13 | 127.61% | |
| SSBI | Summit State Bank | 11.43 | 0.58 | 5.35% | |
| UBCP | United Bancorp | 14.16 | 2.18 | 18.17% |
Juniata Valley Financial Corporate Events
Juniata Valley Shareholders Approve 2026 Long-Term Incentive Plan
PositiveOn May 19, 2026, shareholders of Juniata Valley Financial Corp. approved the company’s 2026 Long-Term Incentive Plan, authorizing the use of various equity-based awards such as stock options, stock appreciation rights and restricted stock for o...
Juniata Valley Shareholders Approve Directors and Incentive Plan
PositiveAt its May 19, 2026 annual meeting, Juniata Valley Financial shareholders re-elected three Class C directors to serve until the 2029 meeting and endorsed executive compensation through a non-binding say-on-pay vote. Investors also approved the 2026 l...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 17, 2026