Juniata Valley Financial Corp. (JUVF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 26 | 27 | 29 | 28 | 29 | 31 | 34 | - |
| Operating profit | $m | 9 | 11 | ||||||
| Net profit | $m | 6 | 7 | 7 | 7 | 6 | 8 | 9 | - |
| EPS reported | $ | 1.59 | 1.87 | ||||||
| Operating cashflow per share | $ | 2.01 | 2.16 | ||||||
| Capex per share | $ | 0.13 | 0.16 | ||||||
| FCF per share | $ | 1.88 | 2.00 | ||||||
| Free cash flow | $m | 9 | 12 | ||||||
| Net debt | $m | -11 | 38 | ||||||
| Book value equity | $m | 57 | 63 | ||||||
| Book value per share | $ | 11.43 | 12.48 | ||||||
| Number of shares | m | 5.02 | 5.02 | ||||||
| DPS (TTM paid) | $ | 0.88 | 0.88 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.81 | 19.59 | ||||||
| P/B LTM | x | 1.22 | 1.12 | ||||||
| P/S LTM | x | 2.26 | 2.08 | ||||||
| P/FCF LTM | x | 7.45 | 5.69 | ||||||
| EV/EBITDA LTM | x | 11.33 | 9.78 | ||||||
| EV/Sales LTM | x | 2.57 | 2.66 | ||||||
| Earnings Yield LTM | % | +11.35% | +5.10% | ||||||
| FCF Yield | % | +13.42% | +17.58% | ||||||
| Quality | |||||||||
| ROE | % | +13.91% | +15.96% | ||||||
| ROIC | % | +0.89% | +5.07% | ||||||
| Operating margin | % | +20.95% | +10.69% | ||||||
| Gross margin | % | +67.50% | +35.61% | ||||||
| FCF/Sales | % | +21.08% | +22.55% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +28.23% | +50.81% | ||||||
| Sales Growth YoY | % | +8.25% | +17.75% | ||||||
| Net Income Growth YoY | % | +28.16% | +50.63% | ||||||
| FCF Growth | % | +177.41% | +263.29% | ||||||
| Operating Profit Growth | % | +30.04% | +54.19% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +6.28% | +5.51% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +55.29% | +55.28% | ||||||
| FCF/Debt | x | 0.19 | 0.28 | ||||||
| Net Debt/EBITDA | x | 4.42 | 2.61 | ||||||
| EBIT/Net interest | x | 0.69 | 0.35 | ||||||
| Net debt/market cap | % | +72.03% | +54.49% | ||||||
| Net debt/Equity | x | -0.19 | 0.61 | ||||||
| Gross debt/equity | x | 0.88 | 0.70 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 operating across central and northern Pennsylvania, United States. The bank provides a diverse selection of deposit accounts, encompassing personal checking, club accounts, money market, savings, and individual retirement accounts (IRAs). For businesses, it offers checking accounts, payroll direct deposit, demand and time deposits, and certificates of deposit (CDs). Customers can access a wide spectrum of lending and credit solutions, such as checking overdraft privileges, secured lines of credit, construction and mortgage loans, both secured and unsecured commercial and consumer loans, commercial lines of credit, letters of credit, and various commercial term and demand loans. To enhance convenience and accessibility, Juniata Valley Bank features extensive digital and branch services. These include online, mobile, and telephone banking, automated teller machines (ATMs), online account management, remote deposit capture (with mobile deposit options tailored for small businesses), and ACH origination. Debit cards and safe deposit box rentals are also available. Beyond traditional banking, the corporation extends into specialized wealth management and advisory offerings. These services cover trust administration, asset management, and estate planning. Furthermore, clients can access a range of financial products, including annuities, mutual funds, stock and bond brokerage services, and long-term care insurance. As of December 31, 2021, Juniata Valley Financial Corp. maintained a network of 16 community branches located throughout Juniata, Mifflin, Perry, Huntingdon, McKean, Potter, and Centre counties. The company was established in 1867 and maintains its headquarters in Mifflintown, Pennsylvania.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Juniata Valley Financial Corp. (JUVF)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 operating across central and northern Pennsylvania, United States. The bank provides a diverse selection of deposit accounts, encompassing personal checking, club accounts, money market, savings, and individual retirement accounts (IRAs). For businesses, it offers checking accounts, payroll direct deposit, demand and time deposits, and certificates of deposit (CDs). Customers can access a wide spectrum of lending and credit solutions, such as checking overdraft privileges, secured lines of credit, construction and mortgage loans, both secured and unsecured commercial and consumer loans, commercial lines of credit, letters of credit, and various commercial term and demand loans. To enhance convenience and accessibility, Juniata Valley Bank features extensive digital and branch services. These include online, mobile, and telephone banking, automated teller machines (ATMs), online account management, remote deposit capture (with mobile deposit options tailored for small businesses), and ACH origination. Debit cards and safe deposit box rentals are also available. Beyond traditional banking, the corporation extends into specialized wealth management and advisory offerings. These services cover trust administration, asset management, and estate planning. Furthermore, clients can access a range of financial products, including annuities, mutual funds, stock and bond brokerage services, and long-term care insurance. As of December 31, 2021, Juniata Valley Financial Corp. maintained a network of 16 community branches located throughout Juniata, Mifflin, Perry, Huntingdon, McKean, Potter, and Centre counties. The company was established in 1867 and maintains its headquarters in Mifflintown, Pennsylvania.
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