Back to Results

Juniata Valley Financial Corp (JUVF)

Juniata Valley Financial Corp is a bank holding company for The Juniata Valley Bank, which serves retail and commercial customers in central and northern Pennsylvania. Through its banking operations, the company provides a range of consumer and business services, including checking and savings accounts, online and mobile banking, debit cards, certificates of deposit, individual retirement accounts, loans, and cash management tools such as ACH origination and remote deposit. It also offers trust, asset and wealth management, and estate services, along with selected financial products including annuities, mutual funds, brokerage services, and long-term care insurance. Founded in 1867, Juniata Valley Financial Corp is headquartered in Mifflintown, Pennsylvania.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-JUVF
$18.42
14.0% Upside
Fair
Not available
Not available
Good
5.4%
October 22, 2026
8.7x
1.3x
2.5x
81.354 M
35.3%
97.7%
-2.4
47.1%
124.0%
Valuation • Fair Value

Juniata Valley Financial Corp (OTC-JUVF) Fair Value by Valuation Model

Review the available estimates for Juniata Valley Financial Corp (OTC-JUVF), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$18.42

Estimated upside of 14.0% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$20.68

Classic Ben Graham valuation formula reference.

DDM Fair Value

$27.16

Dividend discount model valuation reference.

Comps Fair Value

$15.51

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Juniata Valley Financial Corp (OTC-JUVF) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Juniata Valley Financial Corp (OTC-JUVF)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

32.5 M

Current operating scale indicator.

Revenue Forecast

30.897 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Juniata Valley Financial Corp (OTC-JUVF) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Juniata Valley Financial Corp (OTC-JUVF)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-2.4

Lower score that deserves closer risk review.

FCF / Net Income

124.0%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Juniata Valley Financial Corp (OTC-JUVF). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Juniata Valley Financial Corp (OTC-JUVF)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

30

Dividend Yield

5.4%

Current income yield reference.

Payout Ratio

47.1%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Juniata Valley Financial Corp (OTC-JUVF), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Juniata Valley Financial Corp (OTC-JUVF) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Juniata Valley Financial Corp (OTC-JUVF) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for Juniata Valley Financial Corp (OTC-JUVF) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Juniata Valley Financial Corp (OTC-JUVF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Juniata Valley Financial Corp (OTC-JUVF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ • Fast Investor Answers

Juniata Valley Financial Corp (OTC-JUVF) Stock FAQ

Data-supported answers about Juniata Valley Financial Corp (OTC-JUVF), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$18.42
Estimated upside 14.0%
Valuation Rating
Undervalued
Estimated upside of 14.0%
Financial Health
Good
Current financial-health read

The current fair value estimate for Juniata Valley Financial Corp (OTC-JUVF) is $18.42. This implies an estimated upside of 14.0% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 14.0% versus the current market price.

The current financial health read for Juniata Valley Financial Corp (OTC-JUVF) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Juniata Valley Financial Corp (OTC-JUVF) is October 22, 2026.

Based on the current data, dividend yield is 5.4%.

The current P/E ratio listed for Juniata Valley Financial Corp (OTC-JUVF) is 8.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Juniata Valley Financial Corp is 81.354 M.

The ticker symbol for Juniata Valley Financial Corp is OTC-JUVF, and the stock is listed on OTC Markets.

Juniata Valley Financial Corp (OTC-JUVF) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Juniata Valley Financial Corp is 35.3%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Juniata Valley Financial Corp is 97.7%. Free float helps investors understand how much of the share base is available for public trading.

Similar Banks Stocks View more on OTC Markets

Comparable companies from the same industry, limited to one security per issuer.

JPM_PD NYSE JPMorgan Chase & Co ADR Fair Value Undervalued Market Cap 903.8 B
BAC NYSE Bank of America Corp Fair Value Undervalued Market Cap 393 B
HSBC NYSE HSBC Holdings PLC ADR Fair Value Fair Market Cap 344.9 B
RY NYSE Royal Bank of Canada Fair Value Fair Market Cap 282.6 B
MUFG NYSE Mitsubishi UFJ Financial Group Inc ADR Fair Value Overvalued Market Cap 258.8 B
WFC NYSE Wells Fargo & Company Fair Value Undervalued Market Cap 251.4 B
C NYSE Citigroup Inc Fair Value Fair Market Cap 222.2 B
SAN NYSE Banco Santander SA ADR Fair Value Fair Market Cap 210.1 B
TD NYSE Toronto Dominion Bank Fair Value Fair Market Cap 201.9 B
SMFG NYSE Sumitomo Mitsui Financial Group Inc Fair Value Fair Market Cap 163.2 B
BBVA NYSE Banco Bilbao Viscaya Argentaria SA ADR Fair Value Fair Market Cap 157.2 B
MFG NYSE Mizuho Financial Group Inc ADR Fair Value Fair Market Cap 130.6 B
BMO NYSE Bank Of Montreal Fair Value Fair Market Cap 121.2 B
HDB NYSE HDFC Bank Limited ADR Fair Value Undervalued Market Cap 119.1 B
BNS NYSE Bank of Nova Scotia Fair Value Undervalued Market Cap 114.6 B
CM NYSE Canadian Imperial Bank of Commerce Fair Value Undervalued Market Cap 104.3 B
ING NYSE ING Group NV ADR Fair Value Fair Market Cap 103.3 B
IBN NYSE Icici Bank Limited ADR Fair Value Fair Market Cap 100.6 B
ITUB NYSE Itau Unibanco Banco Holding SA Fair Value Fair Market Cap 97.777 B
USB NYSE U.S. Bancorp Fair Value Fair Market Cap 92.611 B