Stocktoria
JUNIATA VALLEY FINANCIAL CORP JUVF
JUNIATA VALLEY FINANCIAL CORP (JUVF) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 5.69% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1130 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| JUVF | JUNIATA VALLEY FINANCIAL CORP | 5/9 | — | 9.7 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is JUVF financially healthy?
JUNIATA VALLEY FINANCIAL CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does JUVF pay a dividend, and is it safe?
Yes. JUNIATA VALLEY FINANCIAL CORP pays a dividend yielding about 5.69% with a 55.3% payout ratio, rated “moderate” for safety.
How profitable is JUVF?
In FY2025, JUNIATA VALLEY FINANCIAL CORP had a return on equity of 13.9%.
Is JUVF overvalued or undervalued?
JUNIATA VALLEY FINANCIAL CORP trades at about 10.5× trailing earnings — below its 10-year norm (10-year range 8.6×–20.8×, median 16.5×). Stocktoria reports the data, not buy/sell advice.
Is JUVF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on JUNIATA VALLEY FINANCIAL CORP: a Piotroski F-score of 5/9, a P/E of about 9.7×, a dividend yield of 5.69%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.