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    Banks - Regional
Juniata Valley Financial Corp.

Juniata Valley Financial Corp.

JUVF
Juniata Valley Financial Corp.US flagOther OTC
15.85
USD
+0.31
- -
79.76MMarket Cap
Juniata Valley Financial Corp.
JUVF
(Other OTC)

Recent

price

15.85

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.6
4.52
4.45
4.24
4.39
4.63
4.84
4.96
4.97
5.05
5.02
5.31
5.86
5.61
5.77
6.2
6.52
Revenue per Share
1.14
1.1
0.86
0.95
1.01
0.72
1.07
0.95
1.18
1.14
1.1
1.32
1.41
1.32
1.25
1.59
1.75
Basic EPS, GAAP
1.4
1.26
1.31
1.29
1.24
1.13
1.2
0.86
0.96
1.69
1.26
1.72
1.89
1.5
0.68
1.88
2
Free Cash Flow per Basic Share
0.82
0.86
0.88
0.88
0.88
0.87
0.88
0.88
0.88
0.88
0.88
0.88
0.88
0.88
0.88
0.88
0.88
Dividend per Share
9.92
10.29
10.3
10.42
10.59
10.33
9.32
9.59
9.56
9.59
9.87
10.48
11
11.3
11.69
12.32
12.67
Book Value per Share
11.09
11.19
11.34
11.32
11.34
12.74
11.08
11.23
11.56
12.54
13.19
12.38
5.27
5.98
7.49
9.42
9.98
Tangible Book Value per Share
4
4
4
4
4
4
5
5
5
5
5
5
5
5
5
5
5
Basic Weighted Avg Shares
20
19
19
18
18
20
23
24
25
26
26
27
29
28
29
31
33
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Depreciation Expense
5
5
4
4
4
3
5
5
6
6
6
7
7
7
6
8
9
Net Income, GAAP
24.9
24.78
21.14
11.21
11.07
2.64
13.71
18.94
- -
- -
- -
4.12
4.18
12.82
13.58
14.83
15.28
Effective Tax Rate (%)
24.88
24.4
19.37
22.39
22.9
15.59
22.18
19.18
23.8
22.56
21.91
24.87
24.04
23.53
21.66
25.65
26.82
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
22
22
25
25
15
45
35
20
20
20
5
- -
- -
LT Debt
50
50
50
50
50
60
59
59
67
74
77
71
36
40
47
57
60
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.72
10.85
8.37
9.15
9.55
6.93
11.64
10.03
12.65
12.06
11.28
12.86
13.13
11.83
10.86
13.29
14.3
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
29
34
36
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
71
70
73

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
53
21
221
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
29
34
36
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.05%
-1.06%
20.89%
Free Cash Flow
20.96%
29.29%
177.41%
Net Income, GAAP
12.24%
8.17%
28.16%
Sales/Revenue/Turnover
4.9%
4.15%
8.25%
Total Cash Common Dividend
1.91%
-0.23%
0.3%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
7
7
7
29
2025
7
8
8
8
31
2026
9
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.27
0.35
0.33
0.3
1.25
2025
0.4
0.38
0.41
0.4
1.59
2026
0.56
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.22
0.22
0.22
0.22
0.88
2025
0.22
0.22
0.22
0.22
0.88
2026
0.22
- -
- -
- -
- -
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Business
Juniata Valley Financial Corp. operates primarily as a bank holding company through its subsidiary Juniata Valley Bank, providing comprehensive retail and commercial banking services primarily in central and northern Pennsylvania. The company offers a broad range of financial products including personal banking services such as checking, savings, money market accounts, credit cards, online and mobile banking, student loans, mortgage and home equity loans (including adjustable-rate mortgages, fixed-rate mortgages, FHA and VA home loans, jumbo mortgage loans, home construction loans, refinancing, home equity lines of credit), as well as business banking services including business loans, term loans, lines of credit, commercial real estate and construction loans, equipment and vehicle loans, SBA loans, letters of credit, and business credit cards. The bank also supports specific industry segments such as agriculture, construction, healthcare, lumber mills, and small businesses by offering tailored loan products and local expertise. Recent major developments include strong earnings growth with net income increasing by 25.6% for the quarter ended September 30, 2025, driven by improved net interest margin and disciplined loan and deposit pricing. The company saw continued loan growth (8.2% year over year), increased core deposits, and maintained strong credit quality with nonperforming loans at just 0.1% of the loan portfolio. In 2025, Juniata Valley Financial Corp. retired its remaining Federal Home Loan Bank long-term debt, enhancing its capital position, which rose by 15.9% through increased undivided profits and reduced comprehensive losses. The company preserved strong liquidity with significant borrowing capacity from the Federal Home Loan Bank of Pittsburgh and the Federal Reserve's Discount Window and holds authorization for substantial brokered deposits, though no brokered deposits were outstanding as of the latest quarter. Founded in 1867 and headquartered in Mifflintown, Pennsylvania, Juniata Valley Financial Corp. leverages local decision-making to customize financial solutions for its customers, reinforcing its community banking focus. The firm has expanded its branch presence with acquisitions such as the integration of the Path Valley branch in 2023, enhancing its service footprint. Juniata remains committed to disciplined financial management, asset quality, and regional growth strategies in the banking sector. The company trades on the OTCQX market under the ticker JUVF and continues to develop its product offerings and operational effectiveness to serve both individual and business clients in its regional markets.

Company News

APIChatGPT

  • globenewswire.com

    THE JUNIATA VALLEY BANK OPENS NEW OFFICE IN BELLEVILLE

  • globenewswire.com

    THE JUNIATA VALLEY BANK OPENS NEW OFFICE IN BELLEVILLE

  • seekingalpha.com

    Juniata Valley Financial Corp. (JUVF) Shareholder/Analyst Call Prepared Remarks Transcript

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2026

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Results for the Quarter Ended September 30, 2025

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2025

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2025

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Quarter and Year End December 31, 2024 Results

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Results for the Quarter Ended September 30, 2024

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2024

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2024

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Quarter and Year End December 31, 2023 Results

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Third Quarter 2023 Results

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Second Quarter 2023 Results

  • globenewswire.com

    Juniata Valley Financial Corp. Announces Second Quarter 2021 Results