JUVF
Juniata Valley Financial Corp.
Price Chart
Latest Quote
$15.35
+0.00 (+0.00%)
Current Price
| Previous Close | $15.35 |
| Open | $15.50 |
| Day High | $15.50 |
| Day Low | $15.35 |
| Volume | 300 |
Stock Information
| Quarterly Dividend / Yield | $0.88 / 5.77% |
| Shares Outstanding | 5.03M |
| Quarterly Dividend Yield | 5.77% |
| Quarterly Dividend | $0.88 |
| Total Debt | $47.19M |
| Cash Equivalents | $12.02M |
| Revenue | $31.36M |
| Net Income | $8.77M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $77.25M |
| P/E Ratio | 8.82 |
| EPS (TTM) | $1.74 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $112.41M |
| Sales | $31.36M |
| Income | $8.77M |
| Book/sh | $11.93 |
| Cash/sh | $2.39 |
| Employees | 111 |
Financial Ratios
| EPS Growth TTM | 39.30% |
Returns & Margins
| ROA | 1.00% |
| ROE | 15.92% |
| Operating Margin | 41.26% |
| Profit Margin | 27.97% |
Ownership
| Insider Ownership | 2.29% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.46 |
| P/B | 1.29 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $14.95 |
| SMA50 | $14.57 |
| SMA200 | $13.81 |
| RSI | 88.46 |
| ATR | 0.0993 |
| Shares Float | 4.91M |
| Volatility | 0.18 |
Performance History
| Week | +1.99% |
| Month | +6.97% |
| Quarter | +13.76% |
| 6 Months | +13.08% |
| YTD | +11.41% |
| Year | +30.70% |
| 3 Years | +22.96% |
| 5 Years | +23.91% |
| 10 Years | +45.55% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-25 | $15.35 | 0 |
| 2026-06-24 | $15.35 | 1,400 |
| 2026-06-23 | $15.25 | 200 |
| 2026-06-22 | $15.25 | 2,700 |
| 2026-06-18 | $15.05 | 0 |
| 2026-06-17 | $15.05 | 1,800 |
| 2026-06-16 | $15.00 | 0 |
| 2026-06-15 | $15.00 | 0 |
| 2026-06-12 | $15.00 | 400 |
| 2026-06-11 | $15.00 | 200 |
| 2026-06-10 | $15.03 | 0 |
| 2026-06-09 | $15.03 | 1,800 |
| 2026-06-08 | $14.97 | 800 |
| 2026-06-05 | $15.00 | 8,100 |
| 2026-06-04 | $14.95 | 2,100 |
| 2026-06-03 | $14.71 | 2,000 |
| 2026-06-02 | $14.65 | 600 |
| 2026-06-01 | $14.50 | 15,500 |
| 2026-05-29 | $14.38 | 1,200 |
| 2026-05-28 | $14.47 | 0 |
| 2026-05-27 | $14.47 | 500 |
| 2026-05-26 | $14.35 | 13,800 |
About Juniata Valley Financial Corp.
Juniata Valley Financial Corp. operates as the bank holding company for The Juniata Valley Bank that provides retail and commercial banking services to small and mid-sized businesses in central and northern Pennsylvania, the United States. It offers consumer banking services that include online account opening, online banking, mobile banking, telephone banking, automated teller machines, personal checking accounts, checking overdraft privileges, money market deposit accounts, savings accounts, debit cards, certificates of deposit, individual retirement accounts, secured lines of credit, construction and mortgage loans, and safe deposit boxes. The company also provides commercial banking services, such as low and high-volume business checking accounts, online account management services, remote deposit capability, ACH origination, payroll direct deposit, commercial lines of credit, commercial letters of credit, mobile deposit for business customers, and commercial term and demand loans. In addition, it offers trust, asset and wealth management, and estate services; demand and time deposits; financial services, including annuities, mutual funds, stock and bond brokerage services and long-term care insurance; and secured and unsecured commercial and consumer loans. Juniata Valley Financial Corp. was founded in 1867 and is headquartered in Mifflintown, Pennsylvania.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $28,754,000 | $28,029,000 | $29,386,000 | $26,553,000 |
| Operating Revenue | $28,754,000 | $28,029,000 | $29,386,000 | $26,553,000 |
| Expenses | ||||
| Interest Expense | $14,187,000 | $10,489,000 | $3,422,000 | $3,218,000 |
| General And Administrative Expense | $12,045,000 | $11,313,000 | $11,220,000 | $11,010,000 |
| Professional Expense And Contract Services Expense | $1,134,000 | $848,000 | $2,390,000 | $841,000 |
| Other Non Interest Expense | $5,473,000 | $5,546,000 | $5,877,000 | $5,824,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Net Interest Income | $22,929,000 | $22,692,000 | $24,133,000 | $21,335,000 |
| Interest Income | $37,116,000 | $33,181,000 | $27,555,000 | $24,553,000 |
| Normalized Income | $6,229,000 | $6,779,992 | $7,038,016 | $7,205,293 |
| Net Income From Continuing And Discontinued Operation | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Net Income Common Stockholders | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Net Income | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Net Income Including Noncontrolling Interests | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Net Income Continuous Operations | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Pretax Income | $7,208,000 | $7,566,000 | $7,372,000 | $6,888,000 |
| Special Income Charges | $0 | $-227,000 | $0 | $-691,000 |
| Depreciation Amortization Depletion Income Statement | $85,000 | $81,000 | $54,000 | $66,000 |
| Depreciation And Amortization In Income Statement | $85,000 | $81,000 | $54,000 | $66,000 |
| Amortization Of Intangibles Income Statement | $85,000 | $81,000 | $54,000 | $66,000 |
| Per Share | ||||
| Diluted EPS | $1.24 | $1.31 | $1.66 | $1.32 |
| Basic EPS | $1.25 | $1.32 | $1.66 | $1.32 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $-27,008 | $2,016 | $-25,707 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-211,000 | $28,000 | $-627,000 |
| Total Unusual Items Excluding Goodwill | $0 | $-211,000 | $28,000 | $-627,000 |
| Reconciled Depreciation | $818,000 | $644,000 | $685,000 | $778,000 |
| Diluted Average Shares | $5,023,387 | $5,035,115 | $5,012,048 | $5,003,030 |
| Basic Average Shares | $4,983,200 | $4,996,970 | $5,012,048 | $5,003,030 |
| Diluted NI Availto Com Stockholders | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Tax Provision | $979,000 | $970,000 | $308,000 | $284,000 |
| Restructuring And Mergern Acquisition | $0 | $227,000 | $0 | - |
| Gain On Sale Of Security | $115,000 | $17,000 | $-1,521,000 | $172,000 |
| Amortization | $85,000 | $81,000 | $54,000 | $66,000 |
| Selling General And Administration | $12,045,000 | $11,313,000 | $11,220,000 | $11,010,000 |
| Insurance And Claims | $575,000 | $504,000 | $405,000 | $310,000 |
| Salaries And Wages | $11,470,000 | $10,809,000 | $10,815,000 | $10,700,000 |
| Occupancy And Equipment | $2,275,000 | $1,948,000 | $2,018,000 | $2,002,000 |
| Other Special Charges | - | - | - | $691,000 |
| Other Gand A | - | - | - | $2,693,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $37,318,000 | $29,899,000 | $26,433,000 | $61,948,000 |
| Total Assets | $848,874,000 | $870,555,000 | $829,619,000 | $810,518,000 |
| Goodwill And Other Intangible Assets | $10,139,000 | $10,238,000 | $9,260,000 | $9,342,000 |
| Other Intangible Assets | $327,000 | $426,000 | $213,000 | $295,000 |
| Cash And Cash Equivalents | $10,998,000 | $28,930,000 | $10,999,000 | $14,261,000 |
| Cash Financial | $5,064,000 | $17,189,000 | $10,856,000 | $12,928,000 |
| Cash Cash Equivalents And Federal Funds Sold | $13,528,000 | $30,637,000 | $14,665,000 | $16,377,000 |
| Receivables | - | - | $5,576,000 | $4,246,000 |
| Accounts Receivable | - | - | $5,576,000 | $4,246,000 |
| Debt | ||||
| Net Debt | $21,902,000 | $31,070,000 | $57,126,000 | $5,739,000 |
| Total Debt | $32,900,000 | $20,000,000 | $68,125,000 | $20,000,000 |
| Long Term Debt And Capital Lease Obligation | $5,000,000 | $20,000,000 | $20,000,000 | $20,000,000 |
| Long Term Debt | $5,000,000 | $20,000,000 | $20,000,000 | $20,000,000 |
| Current Debt And Capital Lease Obligation | $27,900,000 | $0 | $48,125,000 | - |
| Current Debt | $27,900,000 | $0 | $48,125,000 | - |
| Other Current Borrowings | $27,900,000 | $0 | $48,125,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $801,417,000 | $830,418,000 | $793,926,000 | $739,228,000 |
| Payables And Accrued Expenses | - | - | $5,693,000 | $4,986,000 |
| Payables | - | - | $5,693,000 | $4,986,000 |
| Accounts Payable | - | - | $5,693,000 | $4,986,000 |
| Equity | ||||
| Common Stock Equity | $47,457,000 | $40,137,000 | $35,693,000 | $71,290,000 |
| Total Equity Gross Minority Interest | $47,457,000 | $40,137,000 | $35,693,000 | $71,290,000 |
| Stockholders Equity | $47,457,000 | $40,137,000 | $35,693,000 | $71,290,000 |
| Gains Losses Not Affecting Retained Earnings | $-33,320,000 | $-38,640,000 | $-41,867,000 | $-3,365,000 |
| Other Equity Adjustments | $-33,320,000 | $-38,640,000 | $-41,867,000 | $-3,365,000 |
| Retained Earnings | $53,126,000 | $51,297,000 | $49,961,000 | $47,298,000 |
| Long Term Equity Investment | $832,000 | $1,154,000 | $1,507,000 | $2,306,000 |
| Other | ||||
| Treasury Shares Number | $147,895 | $160,150 | $148,220 | $162,737 |
| Ordinary Shares Number | $5,003,384 | $4,991,129 | $5,003,059 | $4,988,542 |
| Share Issued | $5,151,279 | $5,151,279 | $5,151,279 | $5,151,279 |
| Tangible Book Value | $37,318,000 | $29,899,000 | $26,433,000 | $61,948,000 |
| Invested Capital | $80,357,000 | $60,137,000 | $103,818,000 | $91,290,000 |
| Total Capitalization | $52,457,000 | $60,137,000 | $55,693,000 | $91,290,000 |
| Treasury Stock | $2,396,000 | $2,595,000 | $2,538,000 | $2,802,000 |
| Additional Paid In Capital | $24,896,000 | $24,924,000 | $24,986,000 | $25,008,000 |
| Capital Stock | $5,151,000 | $5,151,000 | $5,151,000 | $5,151,000 |
| Common Stock | $5,151,000 | $5,151,000 | $5,151,000 | $5,151,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $258,271,000 | $270,435,000 | $285,664,000 | $338,854,000 |
| Held To Maturity Securities | $191,627,000 | $200,644,000 | $209,565,000 | $0 |
| Available For Sale Securities | $34,661,000 | $35,086,000 | $1,056,000 | $1,124,000 |
| Goodwill | $9,812,000 | $9,812,000 | $9,047,000 | $9,047,000 |
| Net PPE | $9,382,000 | $8,180,000 | $8,190,000 | $8,371,000 |
| Accumulated Depreciation | $-13,989,000 | $-13,256,000 | $-12,946,000 | $-12,349,000 |
| Gross PPE | $23,371,000 | $21,436,000 | $21,136,000 | $20,720,000 |
| Machinery Furniture Equipment | $9,153,000 | $7,280,000 | $7,144,000 | $6,940,000 |
| Buildings And Improvements | $13,916,000 | $13,862,000 | $13,698,000 | $13,486,000 |
| Land And Improvements | $302,000 | $294,000 | $294,000 | $294,000 |
| Other Short Term Investments | $31,151,000 | $33,551,000 | $73,536,000 | $335,424,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $3,400,000 | $7,509,000 | $9,487,000 | $8,592,000 |
| Operating Activities | ||||
| Operating Cash Flow | $5,335,000 | $7,865,000 | $9,936,000 | $8,866,000 |
| Cash Flow From Continuing Operating Activities | $5,335,000 | $7,865,000 | $9,936,000 | $8,866,000 |
| Operating Gains Losses | $322,000 | $353,000 | $2,252,000 | $778,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,935,000 | $-356,000 | $-449,000 | $-274,000 |
| Investing Cash Flow | $7,783,000 | $-1,186,000 | $-62,676,000 | $-53,874,000 |
| Cash Flow From Continuing Investing Activities | $7,783,000 | $-1,186,000 | $-62,676,000 | $-53,874,000 |
| Net Other Investing Changes | $-894,000 | $2,753,000 | $849,000 | $1,395,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-3,000 | $-324,000 | $-3,000 | $-861,000 |
| Financing Cash Flow | $-31,050,000 | $11,252,000 | $50,213,000 | $16,913,000 |
| Cash Flow From Continuing Financing Activities | $-31,050,000 | $11,252,000 | $50,213,000 | $16,913,000 |
| Cash Dividends Paid | $-4,400,000 | $-4,406,000 | $-4,401,000 | $-4,402,000 |
| Common Stock Dividend Paid | $-4,400,000 | $-4,406,000 | $-4,401,000 | $-4,402,000 |
| Net Common Stock Issuance | $-3,000 | $-324,000 | $-3,000 | $-861,000 |
| Other | ||||
| Repayment Of Debt | $-25,568,000 | $-2,900,000 | $0 | $-42,955,000 |
| Interest Paid Supplemental Data | $14,708,000 | $9,425,000 | $3,341,000 | $3,414,000 |
| Income Tax Paid Supplemental Data | $915,000 | $1,035,000 | $425,000 | $289,000 |
| End Cash Position | $10,998,000 | $28,930,000 | $10,999,000 | $13,526,000 |
| Beginning Cash Position | $28,930,000 | $10,999,000 | $13,526,000 | $41,621,000 |
| Changes In Cash | $-17,932,000 | $17,931,000 | $-2,527,000 | $-28,095,000 |
| Proceeds From Stock Option Exercised | $32,000 | $62,000 | $69,000 | $77,000 |
| Common Stock Payments | $-3,000 | $-324,000 | $-3,000 | $-861,000 |
| Net Issuance Payments Of Debt | $-25,568,000 | $-2,900,000 | $51,483,000 | $-63,478,000 |
| Net Short Term Debt Issuance | $-10,568,000 | $-2,900,000 | $51,483,000 | $-20,523,000 |
| Short Term Debt Payments | $-10,568,000 | $-2,900,000 | - | - |
| Net Long Term Debt Issuance | $-15,000,000 | $0 | $0 | $-42,955,000 |
| Long Term Debt Payments | $-15,000,000 | $0 | $0 | $-42,955,000 |
| Net Investment Purchase And Sale | $18,606,000 | $19,157,000 | $2,010,000 | $-59,399,000 |
| Sale Of Investment | $18,606,000 | $19,157,000 | $55,305,000 | $121,723,000 |
| Net Business Purchase And Sale | $0 | $17,384,000 | $0 | - |
| Sale Of Business | $0 | $17,384,000 | $0 | - |
| Net PPE Purchase And Sale | $-1,935,000 | $-304,000 | $-449,000 | $-274,000 |
| Sale Of PPE | $0 | $52,000 | $0 | - |
| Purchase Of PPE | $-1,935,000 | $-356,000 | $-449,000 | $-274,000 |
| Change In Working Capital | $-1,979,000 | $625,000 | $-217,000 | $480,000 |
| Change In Payables And Accrued Expense | $-2,345,000 | $1,853,000 | $150,000 | $4,000 |
| Change In Payable | $-2,345,000 | $1,853,000 | $150,000 | $4,000 |
| Change In Account Payable | $-2,345,000 | $1,853,000 | $150,000 | $4,000 |
| Change In Receivables | $366,000 | $-1,228,000 | $-367,000 | $476,000 |
| Changes In Account Receivables | $366,000 | $-1,228,000 | $-367,000 | $476,000 |
| Other Non Cash Items | $-774,000 | $-1,081,000 | $-954,000 | $-281,000 |
| Stock Based Compensation | $142,000 | $143,000 | $176,000 | $158,000 |
| Unrealized Gain Loss On Investment Securities | $-115,000 | $-17,000 | $68,000 | $-151,000 |
| Deferred Tax | $35,000 | $-31,000 | $-1,000 | $49,000 |
| Deferred Income Tax | $35,000 | $-31,000 | $-1,000 | $49,000 |
| Depreciation Amortization Depletion | $818,000 | $644,000 | $685,000 | $778,000 |
| Depreciation And Amortization | $818,000 | $644,000 | $685,000 | $778,000 |
| Amortization Cash Flow | $85,000 | $81,000 | $54,000 | $66,000 |
| Amortization Of Intangibles | $85,000 | $81,000 | $54,000 | $66,000 |
| Depreciation | $733,000 | $563,000 | $631,000 | $712,000 |
| Earnings Losses From Equity Investments | $322,000 | $353,000 | $799,000 | $799,000 |
| Net Income From Continuing Operations | $6,229,000 | $6,596,000 | $7,064,000 | $6,604,000 |
| Purchase Of Investment | - | $0 | $-53,295,000 | $-181,122,000 |
| Gain Loss On Investment Securities | - | $0 | $1,453,000 | $-21,000 |
| Issuance Of Debt | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-02-02