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Juniata Valley Financial Corp. JUVF

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Price alert · JUVF

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15.71 USD -0.09 -0.57%

As of Nov 2, 12:08 PM ET

15.71 Day range 15.90
13.45 52-week range 16.99
YTD
+12.21%
1 year
+11.02%
Open
15.90
Prev close
15.80
Mkt cap
79.09M
Vol
200
Avg vol
2.53K
EPS
2.03
P/E
7.74
More statistics
Low
15.71
High
15.90

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Financial health

Altman Z-Score

0.28 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 8.8×
FY 2016: 17.1×FY 2017: 21.1×FY 2018: 19.3×FY 2019: 17.0×FY 2020: 16.1×FY 2021: 12.5×FY 2022: 11.3×FY 2023: 9.9×FY 2024: 10.4×FY 2025: 8.8×
FY 2016 5y median 10.4× FY 2025
P/S 1.6×
FY 2016: 3.4×FY 2017: 3.6×FY 2018: 3.7×FY 2019: 3.2×FY 2020: 3.0×FY 2021: 2.8×FY 2022: 2.4×FY 2023: 1.7×FY 2024: 1.5×FY 2025: 1.6×
FY 2016 5y median 1.7× FY 2025
P/B 1.2×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 1.6×FY 2019: 1.3×FY 2020: 1.2×FY 2021: 1.2×FY 2022: 2.2×FY 2023: 1.6×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.4× FY 2025
P/FCF 7.5×
FY 2016: 15.2×FY 2017: 23.3×FY 2018: 22.2×FY 2019: 11.4×FY 2020: 14.0×FY 2021: 9.6×FY 2022: 8.4×FY 2023: 8.7×FY 2024: 19.2×FY 2025: 7.5×
FY 2016 5y median 8.7× FY 2025
EV/EBITDA 11.2×
FY 2016: 20.9×FY 2017: 22.3×FY 2018: 19.0×FY 2019: 21.2×FY 2020: 18.2×FY 2021: 12.1×FY 2022: 18.0×FY 2023: 8.4×FY 2024: 12.6×FY 2025: 11.2×
FY 2016 5y median 12.1× FY 2025
EV/Sales 2.6×
FY 2016: 5.5×FY 2017: 5.3×FY 2018: 4.1×FY 2019: 4.6×FY 2020: 4.0×FY 2021: 3.1×FY 2022: 4.4×FY 2023: 1.8×FY 2024: 2.4×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
FCF Yield 13.4%
FY 2016: 6.6%FY 2017: 4.3%FY 2018: 4.5%FY 2019: 8.7%FY 2020: 7.1%FY 2021: 10.4%FY 2022: 11.9%FY 2023: 11.5%FY 2024: 5.2%FY 2025: 13.4%
FY 2016 5y median 11.5% FY 2025

Profitability

Gross Margin 67.5%
FY 2016: 89.3%FY 2017: 87.6%FY 2018: 86.0%FY 2019: 86.5%FY 2020: 83.9%FY 2021: 91.8%FY 2022: 88.2%FY 2023: 71.5%FY 2024: 65.7%FY 2025: 67.5%
FY 2016 5y median 71.5% FY 2025
Operating Margin 20.9%
FY 2016: 23.4%FY 2017: 21.1%FY 2018: 18.4%FY 2019: 19.0%FY 2020: 18.8%FY 2021: 23.1%FY 2022: 22.5%FY 2023: 19.6%FY 2024: 16.8%FY 2025: 20.9%
FY 2016 5y median 20.9% FY 2025
Net Margin 17.8%
FY 2016: 20.2%FY 2017: 17.1%FY 2018: 20.8%FY 2019: 19.1%FY 2020: 18.9%FY 2021: 22.2%FY 2022: 21.5%FY 2023: 17.1%FY 2024: 14.5%FY 2025: 17.8%
FY 2016 5y median 17.8% FY 2025
ROE 13.9%
FY 2016: 8.7%FY 2017: 7.6%FY 2018: 8.8%FY 2019: 7.9%FY 2020: 7.3%FY 2021: 9.3%FY 2022: 19.8%FY 2023: 16.4%FY 2024: 13.1%FY 2025: 13.9%
FY 2016 5y median 13.9% FY 2025
ROIC 0.9%
FY 2016: 4.4%FY 2017: 4.2%FY 2018: 5.3%FY 2019: 4.4%FY 2020: 3.3%FY 2021: 6.8%FY 2022: 6.3%FY 2023: 5.4%FY 2024: 6.2%FY 2025: 0.9%
FY 2016 5y median 6.2% FY 2025
ROA 0.9%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 0.7%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 0.8%FY 2024: 0.7%FY 2025: 0.9%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 4.2%
FY 2016: 17.8%FY 2017: 3.9%FY 2018: 7.3%FY 2019: 7.5%FY 2020: -3.2%FY 2021: 0.6%FY 2022: 10.2%FY 2023: 17.4%FY 2024: 11.5%FY 2025: 4.2%
FY 2016 FY 2025
Operating Income 30.0%
FY 2016: 90.2%FY 2017: -6.3%FY 2018: -6.3%FY 2019: 11.0%FY 2020: -4.6%FY 2021: 24.1%FY 2022: 7.0%FY 2023: 2.6%FY 2024: -4.7%FY 2025: 30.0%
FY 2016 FY 2025
EPS (diluted) 28.2%
FY 2016: 48.6%FY 2017: -11.2%FY 2018: 15.8%FY 2019: 3.6%FY 2020: -3.5%FY 2021: 20.0%FY 2022: 6.8%FY 2023: -7.1%FY 2024: -5.3%FY 2025: 28.2%
FY 2016 FY 2025
Free Cash Flow 177.4%
FY 2016: 20.5%FY 2017: -28.9%FY 2018: 16.5%FY 2019: 80.9%FY 2020: -25.8%FY 2021: 34.2%FY 2022: 10.4%FY 2023: -20.8%FY 2024: -54.7%FY 2025: 177.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.9×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 0.4×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.3×FY 2022: 2.1×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 4.4×
FY 2016: 7.8×FY 2017: 7.3×FY 2018: 1.7×FY 2019: 6.4×FY 2020: 4.3×FY 2021: 1.3×FY 2022: 8.0×FY 2023: 0.5×FY 2024: 4.5×FY 2025: 4.4×
FY 2016 5y median 4.4× FY 2025
Interest Coverage 0.7×
FY 2016: 2.6×FY 2017: 2.0×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 1.4×FY 2021: 2.1×FY 2022: 2.2×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 6.3%
FY 2016: 4.8%FY 2017: 4.4%FY 2018: 4.2%FY 2019: 4.5%FY 2020: 5.0%FY 2021: 5.3%FY 2022: 5.5%FY 2023: 6.7%FY 2024: 6.8%FY 2025: 6.3%
FY 2016 5y median 6.3% FY 2025
Payout Ratio 55.3%
FY 2016: 82.0%FY 2017: 92.4%FY 2018: 74.7%FY 2019: 76.9%FY 2020: 79.7%FY 2021: 66.7%FY 2022: 62.3%FY 2023: 66.8%FY 2024: 70.6%FY 2025: 55.3%
FY 2016 5y median 66.7% FY 2025

Annual · latest fiscal year ends 2025-12-31