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Juniata Valley Financial Corp (JUVF) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Juniata Valley Financial Corp stock $12.01, price $15.83, that is 24.1% below the price, quality 58 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

JV Juniata Valley Financial Corp logo Some data Nov 9, 2026

Juniata Valley Financial Corp

JUVF · US
Solid, but expensive

Our calculation puts a fair price 24% below what the stock costs today.

Healthy Growth (revenue 5y +4.6 %/yr in USD)
Highly profitable · 30.2% net margin (TTM)
5.6% dividend yield · Low payout
Ranks above peers (9/13)
Last quarter vs. a year ago: revenue +17%, profit +39%.
Quality 58/100
Wide moat 66/100 · thin data
Insiders bought $16,374 (6M)
Some data
Fair value $12.01 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$16.98 $6.84 Fair Value $12.01 Jan 2019 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $6.84 – $16.98 · fair‑value band $10.44 – $15.19 · the $15.83 price screens above the $12.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

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.

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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.

Stock analysis

Juniata Valley Financial Corp (JUVF) currently trades at $15.83, while our model-based Fair Value estimate is $12.01, 24% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $16.89 per share, and 1 of the 6 models we run sit above the $15.83 price.

Bear case: the Asset-Based group reads lowest at $6.30, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $10.44 (bear) to $15.19 (bull), the price of $15.83 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Juniata Valley Financial Corp reported revenue of $31.1M in FY2025 versus $26.6M in FY2021, a compound +4.1%/yr. Reported net income was $8.0M in FY2025, compounding +4.9%/yr from FY2021.

Key figures

Market cap $79.4M Micro · P/E ratio 7.8 · P/S ratio 2.35 · EPS (TTM) $2.02 · Dividend yield 5.6% · Net margin 30.2% · Return on equity 17.1% · Return on assets (EBIT) 0.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −24%, JUVF screens cheaper than that median.

Fair Value models

Bear $10.44 Fair Value $12.01 Bull $15.19
Price $15.83 · Downside -24.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.9750 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $10.44 $12.01 $15.19 76
Gordon GGM $6.69 $10.10 $13.36 69
DDM Multi-Stage $6.69 $9.23 $11.66 67
All 6 models by family
Dividend Discount
Gordon GGM $6.69 $10.10 $13.36 69
DDM Multi-Stage $6.69 $9.23 $11.66 67
Multiples
P/E Multiple $15.46 $20.61 $25.77 63
P/B Multiple $9.87 $13.16 $16.45 55
Asset-Based
NCAV (Graham) $4.70 $6.30 $9.40 54
Economic Profit
Residual Income $10.44 $12.01 $15.19 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 58/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 62
Are margins and returns getting better?
Cashflow 87
Do the profits arrive as real cash?
Financial strength 4
Debt, balance sheet and risk of trouble
Investment 69
Does it invest with discipline instead of growing at any price?
Low Volatility 92
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 63
Distance to the 52-week high, does not count
New shares 80
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $16,374, on Jun 4, 2026.

  • BuyJohn P. Henry IVDirector2× since Feb 17, 2026: 1,183 shares, avg. $13.84$16,374Jun 4, 2026
  • BuyMartin L DreibelbisDirector179 shares at ?Feb 17, 2026
  • BuyMarcie A BarberPresident/CEO4,945 shares at ?Feb 17, 2026
  • BuyGary E KelseyDirector144 shares at ?Feb 17, 2026
  • BuyMichael A. BuffingtonDirector141 shares at ?Feb 17, 2026
  • BuyMichael W. WolfEVP/CFO2,585 shares at ?Feb 17, 2026
  • BuyJoseph B. Scarnati IIIDirector138 shares at ?Feb 17, 2026
  • BuySteven C. SliverDirector150 shares at ?Feb 17, 2026
  • BuyChristina Calkins-MazurDirector142 shares at ?Feb 17, 2026

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 78/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.6%
Start year 2020 (pandemic). Over 10 years: +4.9% a year
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.8%
Dividend (yield on the price)5.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.8% vs 4.7%, steady
Pace: the 5-year rate starts in 2020 (pandemic)

JUVF screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −24.1% · Below median
Profitability
Return on equity (12 months) 17.1% · Top 25%
Return on assets 0.9% · Below median
Net margin (12 months) 30.2% · Above median
Operating margin (12 months) 39.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) 17.3% · Above median
Dividend yield (12 months) 5.6% · Top 25%
Balance sheet
Debt / equity 0.09× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 7.8× · Cheapest 25%
P/B 1.38× · Pricier than median
P/S (12 months) 2.35× · Cheapest 25%
Price / free cash flow (fiscal year) 8.4× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)1 · sector 8
FUTURE (revenue growth)87 · sector 47
PAST (return on equity)68 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs JUVF
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs JUVF
BNP Paribas SA BNP €91.93 €106.01 +15% vs JUVF
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs JUVF
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs JUVF
UniCredit S.p.A UCG €76.80 €50.44 −34% vs JUVF
Mizuho Financial Group MFG $9.40 $5.89 −37% vs JUVF
DBS Group D05 69.72 SGD 40.39 SGD −42% vs JUVF
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs JUVF
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs JUVF

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Juniata Valley Financial Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Juniata Valley Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/JUVF

Frequently asked questions

Is Juniata Valley Financial Corp (JUVF) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $12.01 versus a price of $15.83, about 24% lower (overvalued).
What is the fair value of JUVF?
Our model-based fair value for Juniata Valley Financial Corp is $12.01 (as of Nov 9, 2026), built from audited fundamentals. The current price: $15.83.
What is the quality score of JUVF?
Juniata Valley Financial Corp has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Juniata Valley Financial Corp (JUVF)?
Our model-based price target is the fair value of $12.01 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $10.44, optimistic scenario $15.19. It is a calculation from audited fundamentals, not an analyst target.
What is the Juniata Valley Financial Corp stock forecast for 2026?
Our models put fair value at $12.01, about 24% lower versus a price of $15.83 (overvalued). Cautious scenario $10.44, optimistic scenario $15.19. The calculation is refreshed regularly with new filings.
What is the revenue of Juniata Valley Financial Corp (JUVF)?
Juniata Valley Financial Corp reported trailing-twelve-month revenue of about $33.8M (latest available figure, as of Nov 9, 2026).
Does Juniata Valley Financial Corp pay a dividend?
Juniata Valley Financial Corp currently shows a dividend yield of 5.58% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Juniata Valley Financial Corp (JUVF) and when is the ex-dividend date?
Juniata Valley Financial Corp pays a dividend of $0.883 per share a year, a dividend yield of 5.6%. The next ex-dividend date is Nov 17, 2026. A dividend has been paid every year since at least 1996. The payout ratio is 43.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Juniata Valley Financial Corp (JUVF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Juniata Valley Financial Corp it is $12.01 per share (as of Nov 9, 2026), against a price of $15.83. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Juniata Valley Financial Corp stock overvalued or undervalued in 2026?
As of Nov 9, 2026, JUVF trades above its calculated fair value: price $15.83, fair value $12.01, a gap of about −24% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JUVF?
No. The price is what the market pays today ($15.83); the fair value is what the company's own numbers justify ($12.01). For Juniata Valley Financial Corp the two are $3.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is Juniata Valley Financial Corp worth?
The market values Juniata Valley Financial Corp at about $79.4M (market capitalisation, as of Nov 9, 2026). Per share that is $15.83; our models calculate a fair value of $12.01 per share.
What do the bullish and bearish scenarios say about JUVF?
Our models span a range for Juniata Valley Financial Corp: cautious scenario $10.44, base $12.01, optimistic $15.19 per share (as of Nov 9, 2026, price $15.83). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JUVF?
Juniata Valley Financial Corp trades at a price-to-earnings ratio of 7.8 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.01 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 14.2. Other multiples: P/B 1.4, P/S 2.3.
How solid is the balance sheet of Juniata Valley Financial Corp (JUVF)?
Balance-sheet figures for Juniata Valley Financial Corp (as of Nov 9, 2026): return on equity 17.1%, debt of 0.09 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is JUVF from its 52-week high?
Juniata Valley Financial Corp trades at $15.83, about 7% below its 52-week high of $16.98 and 21% above the low of $13.13 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.01 is for.
Which stocks are comparable to Juniata Valley Financial Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Juniata Valley Financial Corp stock attractive at the current price?
The data as of Nov 9, 2026: price $15.83, calculated fair value $12.01 (−24%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of JUVF calculated?
We run Juniata Valley Financial Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.01 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Juniata Valley Financial Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Juniata Valley Financial Corp (JUVF)?
The closing price on Nov 6, 2026 was $15.83. Our model-based fair value is $12.01, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Juniata Valley Financial Corp right now?
The price sits above even our optimistic bull case ($15.19). The favourable scenario is already priced in. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Juniata Valley Financial Corp

How large is the market capitalisation of Juniata Valley Financial Corp (JUVF)?
The market capitalisation of Juniata Valley Financial Corp is $79.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Juniata Valley Financial Corp (JUVF)?
The price-to-sales ratio of Juniata Valley Financial Corp is 2.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Juniata Valley Financial Corp (JUVF)?
Earnings per share at Juniata Valley Financial Corp are $2.02 (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Juniata Valley Financial Corp (JUVF)?
The dividend yield of Juniata Valley Financial Corp is 5.6% (payout 43.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Juniata Valley Financial Corp (JUVF)?
The net margin of Juniata Valley Financial Corp is 30.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Juniata Valley Financial Corp (JUVF)?
The return on equity (ROE) of Juniata Valley Financial Corp is 17.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Juniata Valley Financial Corp (JUVF)?
On an EBIT basis the return on assets of Juniata Valley Financial Corp is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Juniata Valley Financial Corp (JUVF)?
The operating margin of Juniata Valley Financial Corp is 39.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Juniata Valley Financial Corp (JUVF)?
Revenue at Juniata Valley Financial Corp is growing +17.3% versus a year earlier (3y avg +2.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Juniata Valley Financial Corp (JUVF)?
Earnings per share at Juniata Valley Financial Corp are growing +39.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Juniata Valley Financial Corp (JUVF) generate?
The free cash flow of Juniata Valley Financial Corp is $9.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Juniata Valley Financial Corp (JUVF) carry?
The net debt of Juniata Valley Financial Corp is $23.1M (fiscal year 2025, ≈ 2.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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