Stocktoria

JUNIATA VALLEY FINANCIAL CORP JUVF

OTC · stock · State Commercial Banks · website · IPO 1993-10-27

JUNIATA VALLEY FINANCIAL CORP statistics & valuation

Market cap$77.5M
P / E9.7×
P / B1.4×
Dividend yield5.69%
Return on equity13.9%
Net debt$0
Enterprise value USD$77.5M
Graham number +20.7%$20.20

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($20.20); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.70% 7.60% 8.80% 7.90% 7.30% 9.30% 23.30% 16.40% 13.10% 13.90% 2016201720182019202020212022202320242025
Shares outstanding
4.8M 4.8M 5.1M 5.1M 5.1M 5.0M 5.0M 5.0M 5.0M 5.0M 2016201720182019202020212022202320242025
Net debt ($)
$15.4M $15.1M -$1.5M $32.3M -$6.6M $20.0M $20.0M $20.0M $5.0M $0 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.80% 0.90% 0.90% 0.70% 0.80% 1.00% 0.80% 0.70% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.42× 0.42× 0.22× 0.61× 0.46× 0.28× 0.56× 0.50× 0.11× 0.00× 2016201720182019202020212022202320242025
EPS ($)
$1.07 $0.95 $1.18 $1.14 $1.10 $1.32 $1.66 $1.31 $1.24 $1.59 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

JUNIATA VALLEY FINANCIAL CORP trades at about 10.5× earnings — below its 10-year norm (10-year range 8.6×–20.8×, median 16.5×).

8.6× 20.8×

Shaded band = 10-year range (8.6×–20.8×); dot = today's 10.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.9%0.7%0.8%1.0%0.8%0.7%0.9%0.9%0.8%0.9%
Return on equity13.9%13.1%16.4%23.3%9.3%7.3%7.9%8.8%7.6%8.7%
Debt / equity0.00×0.11×0.50×0.56×0.28×0.46×0.61×0.22×0.42×0.42×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.