Juniata Valley Financial Corp (JUVF) Fair Value & Analysis

Financial Services · US · Market cap $75.7M

A solid business, screening 23% undervalued on our models.

What matters now

• Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $6.84 – $16.75 · fair‑value band $15.47 – $25.78 · the $16.75 price screens below the $20.62 fair value. Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

Juniata Valley Financial Corp (JUVF) currently trades at $16.75, while our model-based Fair Value estimate is $20.62, implying the stock looks roughly 23.1% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Juniata Valley Financial Corp generated revenue of $31.4M at a net margin of 28.0%. Revenue grew 21.6% year over year. It earns a return on equity of 15.9%. Net debt stands at $23.1M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $15.47 (bear case) to $25.78 (bull case); at $16.75, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 45% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 23%, JUVF screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($15.96) versus Asset-Based ($7.64). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.