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JUNIATA VALLEY FINANCIAL CORP

Data quality: 83%

JUVF

OTC Financial Services Depository Institutions

$13.60

▼ $0.30 (-2.16%)

Mkt Cap: 68.44 M

Price

$13.60

Mkt Cap

68.44 M

Day Range

$13.53 — $13.80

52-Week Range

$11.55 — $14.98

Volume

1,620

Open $13.54

50D / 200D Avg

$13.86

1.90% below

50D / 200D Avg

$13.87

1.92% below

Quick Summary

Key Takeaways

Earnings grew 28.16% over the past year

ROE of 14.87% — decent returns on equity

Generating 10.10 M in free cash flow

P/E of 8.57 — trading at a low valuation

Cash machine — converts 126.56% of earnings into free cash flow

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)28.16%

FCF Growth (3Y)13.34%

Quality

Return on Equity

14.87%

Above sector avg (10.70%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

0.78

Above sector avg (0.50)

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM)

8.57

Below sector avg (12.63)

P/B Ratio1.24

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)

Metric	Stock	Sector Median
P/E	8.6	12.6
P/B	1.2	1.4
ROE %	14.9	10.7
Net Margin %	—	14.8
Rev Growth 5Y %	—	6.4
D/E	0.8	0.5

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	28.16%	Earnings Growth (3Y)	10.01%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	4.86%
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	7.98 M
ROE	14.87%	ROA	0.91%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	10.10 M
ROIC	N/A	FCF Growth (3Y)	13.34%
Safety
Debt / Equity	0.78	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	45.19 M
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	8.57	Forward P/E	N/A
P/B Ratio	1.24	P/S Ratio	N/A
PEG Ratio	1.76	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	14.76%
Market Cap	68.44 M	Enterprise Value	111.18 M
Per Share
EPS (Diluted TTM)	1.59	Revenue / Share	N/A
FCF / Share	2.01	OCF / Share	2.01
EPS CAGR (1Y)	28.23%	EPS CAGR (5Y)	4.76%
EPS CAGR (10Y)	4.50%
Efficiency
CapEx / Revenue	N/A	FCF Conversion	126.56%
SBC-Adj. FCF	9.95 M	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	—	—	—	—	—
Net Income	7.98 M	6.23 M	6.60 M	8.32 M	6.60 M
EPS (Diluted)	1.59	1.24	1.31	1.66	1.32
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	—	—	—	—	—
Interest Expense	25.36 M	22.93 M	10.49 M	3.42 M	3.22 M
Income Tax	1.39 M	979,000.0	970,000.0	642,000.0	284,000.0

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	895.26 M	848.87 M	871.81 M	830.88 M	810.52 M
Total Liabilities	837.89 M	801.42 M	830.42 M	793.93 M	739.23 M
Shareholders' Equity	57.37 M	47.46 M	41.39 M	36.95 M	71.29 M
Total Debt	49.91 M	47.24 M	72.81 M	75.71 M	24.23 M
Cash & Equivalents	—	—	—	—	—
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—