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Juniata Valley Financial
(OTC:JUVF)
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Rating:71Outperform
Price Target:
$15.50
▲(9.46% Upside)
Action:Reiterated
Date:05/21/26
The score is driven primarily by solid financial performance (profitability and improved cash conversion) and attractive valuation (low P/E and high dividend yield). Technical signals are mixed and slightly soft in the near term, and recent corporate events are modestly positive but not transformative.
Positive Factors
Revenue Growth & Profitability
Consistent revenue expansion from 2021 through the trailing twelve months and a ~19% net margin indicate durable core banking profitability. Steady top-line growth and healthy margins support recurring earnings, enabling reinvestment in branches, lending capacity, and shareholder distributions over the medium term.
Negative Factors
Profitability Volatility
Material swings in operating profitability across periods reduce predictability of earnings and make multi‑period planning harder. For a regional bank, uneven operating results can signal sensitivity to loan mix, fee income variability, or expense timing, raising execution and forecasting risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth & Profitability
Consistent revenue expansion from 2021 through the trailing twelve months and a ~19% net margin indicate durable core banking profitability. Steady top-line growth and healthy margins support recurring earnings, enabling reinvestment in branches, lending capacity, and shareholder distributions over the medium term.
Read all positive factors
Juniata Valley Financial (JUVF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$77.45M
Dividend Yield6.4%
Average Volume (3M)695.00
Price to Earnings (P/E)8.8
Beta (1Y)0.22
Revenue Growth6.81%
EPS Growth27.06%
CountryUS
Employees115
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.75
Shares Outstanding5,032,400
10 Day Avg. Volume598
30 Day Avg. Volume695
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)1.22
Price to Sales (P/S)1.57
P/FCF Ratio7.45
Enterprise Value/Market Cap1.51
Enterprise Value/Revenue2.53
Enterprise Value/Gross Profit3.68
Enterprise Value/Ebitda10.61
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 businesse...
How the Company Makes Money
Juniata Valley Financial makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on interest-earning assets—mainly loa...
Juniata Valley Financial Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.23M | 44.74M | 42.94M | 38.52M | 32.81M | 29.77M |
| Gross Profit | 31.71M | 30.20M | 28.22M | 27.53M | 28.93M | 27.32M |
| EBITDA | 11.01M | 10.17M | 8.03M | 8.21M | 8.06M | 7.67M |
| Net Income | 8.77M | 7.98M | 6.23M | 6.60M | 7.06M | 6.60M |
Balance Sheet | ||||||
| Total Assets | 901.90M | 895.26M | 848.87M | 870.55M | 829.62M | 810.52M |
| Cash, Cash Equivalents and Short-Term Investments | 60.24M | 61.32M | 42.15M | 62.48M | 84.53M | 349.69M |
| Total Debt | 47.19M | 50.63M | 47.24M | 32.81M | 75.71M | 24.23M |
| Total Liabilities | 841.85M | 837.89M | 801.42M | 830.42M | 793.93M | 739.23M |
| Stockholders Equity | 60.04M | 57.37M | 47.46M | 40.14M | 35.69M | 71.29M |
Cash Flow | ||||||
| Free Cash Flow | 10.03M | 9.43M | 3.40M | 7.51M | 9.49M | 8.59M |
| Operating Cash Flow | 10.82M | 10.10M | 5.33M | 7.87M | 9.94M | 8.87M |
| Investing Cash Flow | -45.43M | -41.77M | 7.78M | -1.19M | -62.68M | -53.87M |
| Financing Cash Flow | 33.00M | 32.12M | -31.05M | 11.25M | 50.21M | 16.91M |
Juniata Valley Financial Technical Analysis
Positive
14.16
Price Trends
14.77
Positive
14.22
Positive
13.86
Positive
Market Momentum
0.21
Positive
65.80
Neutral
74.17
Neutral
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 14.16 is below the 20-day moving average (MA) of 15.17, below the 50-day MA of 14.77, and above the 200-day MA of 13.86, indicating a bullish trend. The MACD of 0.21 indicates Positive momentum. The RSI at 65.80 is Neutral, neither overbought nor oversold. The STOCH value of 74.17 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Juniata Valley Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $116.40M | 10.59 | 14.13% | 2.18% | 5.49% | 66.01% | |
73 Outperform | $130.11M | 15.56 | 6.30% | 2.12% | 6.16% | 68.02% | |
71 Outperform | $77.45M | 8.79 | 15.61% | 6.40% | 6.81% | 27.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | $22.14M | -0.75 | -23.19% | 4.10% | -18.73% | -401.58% | |
51 Neutral | $90.33M | -3.56 | -7.66% | ― | 2.16% | -1083.24% |
* Financial Sector Average
JUVF
Juniata Valley Financial
15.39
3.42
28.57%
BOTJ
Bank Of The Jame Financial
25.62
12.05
88.77%
BYFC
Broadway Financial
9.74
2.05
26.76%
LSBK
Lake Shore Bancorp
16.80
5.34
46.58%
BAFN
BayFirst Financial Corp
5.39
-9.92
-64.79%
NSTS
NSTS Bancorp
13.77
1.87
15.71%
Juniata Valley Financial Corporate Events
Business Operations and StrategyShareholder Meetings
Juniata Valley Shareholders Approve 2026 Long-Term Incentive Plan
Positive
May 20, 2026
On 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 fo...
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresShareholder Meetings
Juniata Valley Shareholders Approve Directors and Incentive Plan
Positive
May 19, 2026
At 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 202...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.