Juniata Valley Financial Corp. Financial Ratios — JUVF Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	9.39	7.29	7.98	8.45	5.57	8.66	7.66	9.31	8.27	7.45	8.93	13.21	17.4	14.22	15.23
Return on Assets (%)	1.06	0.81	0.89	0.91	0.57	0.89	0.77	0.97	0.9	0.77	0.82	0.86	0.78	0.72	0.92
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.26	3.02	3.03	2.93	2.84	3.01	3.12	3.6	3.43	3.45	2.93	2.33	2.3	2.84	2.78
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.44	24.57	25.22	25.75	16.01	25.7	23.66	21.14	22.51	21.72	25.94	25.09	26.99	25.07	30.11
Profit Margin (%)	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
Net Income to Common Margin (%)	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
Effective Tax Rate (%)	24.78	21.14	11.21	11.07	2.64	13.71	18.94	- -	- -	- -	4.12	4.18	12.82	13.58	14.83
Dvd Payout Ratio (%)	77.95	102.08	92.65	87.52	120.57	81.96	92.44	74.71	76.93	79.7	66.66	62.3	66.8	70.64	55.28
Sustainable Growth Rate (%)	2.07	-0.15	0.59	1.05	-1.15	1.56	0.58	2.36	1.91	1.51	2.98	4.98	5.78	4.18	6.81

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	4	5	14	43	58	57	47	27	55	55	20	68	20	33	34
ST Debt	4	5	14	21	35	32	22	12	10	20	- -	48	- -	28	34
LT Debt	- -	- -	- -	22	22	25	25	15	45	35	20	20	20	5	- -
Total Debt/EBITDA	5.59	9.55	25.46	79.86	103.33	81.71	63.29	29.75	61.6	62.29	25.71	99.45	31.06	40.22	39.84
Net Debt/EBITDA	-18.8	-17.24	9.11	67.3	83.93	67.55	49.42	8.48	44.76	25.64	7.38	83.4	-13.87	26.78	26.62
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.11	11.21	11.14	10.38	10.27	10.18	10.03	10.78	10.99	9.65	8.8	4.3	4.61	5.59	6.41
Long-Term Debt/Equity (%)	- -	- -	- -	45.13	37.52	42.31	42.1	22.26	61.05	45.69	28.05	56.03	49.83	10.54	- -
Long-Term Debt/Capital (%)	- -	- -	- -	24.22	19.15	21.5	23.55	15.96	35.04	26.6	21.91	19.26	33.26	6.22	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	4.68	3.85	4.31	4.22	2.4	6.71	4.41	2.47	2.41	2.3	0.59	- -
Total Debt/Equity (%)	7.04	10.81	27.6	86.34	95.99	96.79	78.75	39.48	74.21	71.8	28.05	190.86	49.83	69.33	60.13
Total Debt/Capital (%)	6.58	9.75	21.63	46.33	48.98	49.19	44.06	28.3	42.6	41.79	21.91	65.62	33.26	40.94	37.55
Total Debt/Total Assets (%)	0.78	1.21	3.07	8.96	9.86	9.86	7.9	4.25	8.16	6.93	2.47	8.21	2.3	3.88	3.85
Net Debt to Equity	-23.67	-19.5	9.87	72.76	77.96	80.03	61.5	11.25	53.93	29.56	8.05	160.05	-22.25	46.15	40.18
Net Debt/Capital (%)	-31.01	-24.22	8.99	42.12	43.81	44.45	38.08	10.12	35.04	22.82	7.45	61.55	-28.62	31.58	28.66
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	-2	- -	- -	1	1	- -	- -	-1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.11	11.21	11.14	10.38	10.27	10.18	10.03	10.78	10.99	9.65	8.8	4.3	4.61	5.59	6.41
Long-Term Debt/Equity (%)	- -	- -	- -	45.13	37.52	42.31	42.1	22.26	61.05	45.69	28.05	56.03	49.83	10.54	- -
Long-Term Debt/Capital (%)	- -	- -	- -	24.22	19.15	21.5	23.55	15.96	35.04	26.6	21.91	19.26	33.26	6.22	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	4.68	3.85	4.31	4.22	2.4	6.71	4.41	2.47	2.41	2.3	0.59	- -
Total Debt/Equity (%)	7.04	10.81	27.6	86.34	95.99	96.79	78.75	39.48	74.21	71.8	28.05	190.86	49.83	69.33	60.13
Total Debt/Capital (%)	6.58	9.75	21.63	46.33	48.98	49.19	44.06	28.3	42.6	41.79	21.91	65.62	33.26	40.94	37.55
Total Debt/Total Assets (%)	0.78	1.21	3.07	8.96	9.86	9.86	7.9	4.25	8.16	6.93	2.47	8.21	2.3	3.88	3.85
CFO/Total Liabilities	1.4	1.46	1.45	1.37	1	1.21	1.28	0.95	1.67	0.94	1.2	1.25	0.95	0.67	1.21
CFO/CapEx	24.92	20.31	16.34	8.48	11.32	11.63	2.52	9.71	7.6	18.26	32.36	22.13	22.09	2.76	15.06
Altman's Z-Score	0.28	0.28	0.27	0.26	0.23	0.24	0.25	0.25	0.23	0.19	0.18	0.18	0.16	0.17	0.18

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	3.94	4.32	4.27	4.63	4.83	5.27	6	5.32	5.45	6.59	6.49	5.98	10.05	- -	- -
Days Sales Outstanding	92.56	84.49	85.58	78.85	75.52	69.27	60.83	68.65	66.96	55.41	56.26	61	36.31	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	77	77	74	76	85	87	95	108	99	89	82	80	65	65	70
- Cash & Cash Equivalents	15	15	9	7	11	10	10	19	15	32	14	11	29	11	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	5	14	43	58	57	47	27	55	55	20	68	20	33	34
Enterprise Value	-46	-55	-47	-30	-21	-16	-22	-26	-72	-175	-247	64	23	56	84
Total Capital	53	56	64	93	118	116	106	94	128	132	91	104	60	80	92
Total Debt/Capital (%)	6.58	9.75	21.63	46.33	48.98	49.19	44.06	28.3	42.6	41.79	21.91	65.62	33.26	40.94	37.55
Total Debt / EV	-0.08	-0.1	-0.3	-1.43	-2.76	-3.49	-2.13	-1.02	-0.76	-0.31	-0.08	1.07	0.88	0.59	0.41
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.17	0.81	1.94	2.69
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	92.9	35.18	68.33	96.63
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.4	2.88	10.48	8.28
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.13	2.76	7.69	7.77
Diluted Market Cap	77	77	75	77	75	88	96	106	99	90	83	80	66	65	70
Diluted Enterprise Value	65	67	80	113	122	135	132	114	139	113	88	137	57	87	93
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.72	4.54	11.17	16.67
TTM Sales	19	19	18	18	20	23	24	25	26	26	27	29	28	29	31
TTM EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	6	6	6	5	6	7	5	10	7	9	10	8	5	10
TTM Free Cash Flow to Firm	6	6	6	7	6	7	10	6	11	7	9	10	8	7	11

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	13.31	12.67	12.14	11.59	13.12	12.8	10.05	18.14	8.8	12.61	9.03	7.72	7.99	9	6.52
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-46	-55	-47	-30	-21	-16	-22	-26	-72	-175	-247	64	23	56	84
Low Price	16.55	17.3	16.8	17.3	17.28	17.1	18.25	19.65	19.35	8.35	15.6	14.3	10.05	10.94	11.55
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.17	0.81	1.94	2.69
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	92.9	35.18	68.33	96.63
Price/Earnings	16.49	21.17	18.67	18.15	24.47	16.99	21.01	17.95	16.97	16.09	12.5	11.35	9.89	10.42	8.81
Price/Earnings Average	15.74	20.92	18.58	17.87	25.25	16.76	20.27	17.66	17.62	15.75	12.68	11.02	10.8	9.74	8.34
Price/Earnings High	16.99	21.98	19.47	18.9	27.66	17.79	23.11	20.27	19.3	18.14	14.72	12.06	12.88	11.25	9.42
Price/Earnings Low	15	20.07	17.68	17.2	23.96	15.92	19.17	16.6	16.97	7.59	11.82	10.15	7.61	8.75	7.26
Price/Book Value	1.55	1.53	1.49	1.53	1.41	1.47	1.61	1.61	1.34	1.16	1.15	2.24	1.62	1.37	1.22
Price/Book Value Average	1.48	1.51	1.48	1.51	1.46	1.45	1.55	1.58	1.39	1.14	1.17	2.18	1.77	1.28	1.16
Price/Book Value High	1.59	1.59	1.55	1.6	1.6	1.54	1.77	1.81	1.52	1.31	1.36	2.38	2.11	1.48	1.31
Price/Book Value Low	1.41	1.45	1.41	1.45	1.38	1.38	1.47	1.49	1.34	0.55	1.09	2	1.25	1.15	1.01
Price/Tangible Book Value	1.62	1.6	1.56	1.61	1.57	1.63	1.78	1.88	1.54	1.32	1.33	3.03	2.18	1.75	1.49
Price/Tangible Book Value Average	1.55	1.59	1.55	1.58	1.62	1.61	1.72	1.85	1.6	1.3	1.35	2.94	2.38	1.63	1.41
Price/Tangible Book Value High	1.67	1.67	1.63	1.67	1.77	1.71	1.96	2.12	1.75	1.49	1.56	3.22	2.84	1.89	1.59
Price/Tangible Book Value Low	1.47	1.52	1.48	1.52	1.54	1.53	1.63	1.74	1.54	0.62	1.26	2.71	1.68	1.47	1.23
Price/Sales	4.02	4.1	4.18	4.16	3.81	3.77	4.03	4.27	3.83	3.53	3.11	2.73	2.33	2.26	2.26
Price/Sales Average	3.84	4.05	4.16	4.09	3.94	3.72	3.89	4.2	3.98	3.45	3.15	2.65	2.54	2.11	2.14
Price/Sales High	4.15	4.26	4.36	4.33	4.31	3.94	4.43	4.82	4.35	3.97	3.66	2.9	3.03	2.44	2.42
Price/Sales Low	3.66	3.89	3.96	3.94	3.73	3.53	3.68	3.95	3.83	1.66	2.94	2.44	1.79	1.9	1.86
Price/Cash Flow	13.83	13.29	12.88	12.95	14.27	13.9	14.02	19.92	9.96	13.3	9.31	8.07	8.29	12.16	6.96
Price/Cash Flow Average	13.2	13.14	12.82	12.76	14.73	13.71	13.52	19.59	10.34	13.03	9.44	7.84	9.06	11.38	6.59
Price/Cash Flow High	14.25	13.8	13.43	13.48	16.13	14.55	15.42	22.49	11.33	15	10.96	8.58	10.8	13.13	7.44
Price/Cash Flow Low	12.58	12.6	12.2	12.28	13.98	13.03	12.79	18.42	9.96	6.28	8.8	7.21	6.39	10.22	5.74
Price/Free Cash Flow Average	12.7	12.53	12.08	11.41	13.54	12.63	9.7	17.84	9.14	12.35	9.16	7.5	8.73	8.42	6.18
Price/Free Cash Flow High	13.71	13.16	12.66	12.06	14.83	13.4	11.06	20.49	10.01	14.22	10.64	8.2	10.41	9.72	6.98
Price/Free Cash Flow Low	12.1	12.01	11.5	10.98	12.84	12	9.17	16.77	8.8	5.95	8.54	6.9	6.16	7.56	5.38
EV/Sales Average	3.21	3.52	4.42	6.06	6.84	5.72	5.43	4.6	5.5	4.29	3.36	4.59	2.22	2.88	2.88
EV/Sales High	3.52	3.72	4.62	6.29	7.26	5.94	5.98	5.23	5.87	4.81	3.87	4.84	2.71	3.21	3.16
EV/Sales Low	3.03	3.35	4.22	5.91	6.61	5.53	5.22	4.34	5.35	2.53	3.15	4.38	1.47	2.67	2.6
EV/EBITDA Average	98.51	116.47	145.77	206.94	240.8	189.84	173.93	127.54	160.13	124.26	114.67	196.87	96.65	101.28	103.51
EV/EBITDA High	107.84	123.25	152.34	214.91	255.78	197.31	191.35	145.18	171.11	139.19	131.96	207.56	117.89	112.77	113.43
EV/EBITDA Low	92.98	111.02	139.17	201.71	232.78	183.73	167.16	120.4	155.89	73.17	107.4	187.84	64.02	93.69	93.56
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	18.2	18.25	17.74	18.25	17.65	18.25	20	21.25	19.35	17.7	16.5	16	13.05	13.02	14
High Price	18.75	18.95	18.5	19	19.95	19.1	22	24	22	19.95	19.43	17	17	14.06	14.98
Enterprise Value Average	62	66	79	112	134	133	129	114	142	110	89	135	62	83	90
Enterprise Value High	68	70	83	116	142	138	141	130	152	123	103	142	76	92	98
Enterprise Value Low	58	63	75	109	130	129	124	108	138	65	84	129	41	77	81

Shares Outstanding	4	4	4	4	5	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	4	4	4	4	4	5	5	5	5	5	5	5	5	5	5
Basic Weighted Avg Shares	4	4	4	4	4	5	5	5	5	5	5	5	5	5	5
Revenue per Share	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
EBITDA per Share	0.15	0.13	0.13	0.13	0.13	0.15	0.16	0.18	0.17	0.17	0.16	0.14	0.13	0.16	0.17
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	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
Diluted EPS, GAAP	1.1	0.86	0.95	1.01	0.72	1.07	0.95	1.18	1.14	1.1	1.32	1.41	1.31	1.24	1.59
Diluted EPS from Cont Ops	1.1	0.86	0.95	1.01	0.72	1.07	0.95	1.18	1.14	1.1	1.32	1.41	1.31	1.24	1.59
Dividend per Share	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
Cash Flow per Share	1.32	1.37	1.38	1.41	1.24	1.31	1.43	1.07	1.94	1.33	1.77	1.98	1.57	1.07	2.01
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	29.93	32.62	32.15	35.74	34	33.73	34.41	31.61	44.24	63.43	70.1	16.9	12.52	8.42	4.2
Book Value per Share	11.76	11.92	11.91	11.91	12.5	12.43	12.46	13.23	14.45	15.24	14.29	7.13	8.04	9.48	11.43
Tangible Book Value per Share	11.23	11.38	11.36	11.35	11.26	11.18	11.23	11.32	12.58	13.36	12.42	5.28	5.99	7.46	9.43

Juniata Valley Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)