Financial Services
Juniata Valley Financial Corp.(JUVF)
Live Price
Offline$15.05
+0.00% today
1Y Change
+20.00%
Window
Jun 26, 2025 โ Jun 16, 2026
- Market Cap
- $70.00M
- Revenue Growth
- +4.2%
- EPS Growth
- +27.2%
- Dividend Yield
- 6.1%
Coverage: 244 bars ยท Jun 26, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Juniata Valley Financial Corp. (JUVF) is a Financial Services stock with a market cap of $70.00M and listed on OTC. The stock last traded around $15.05 and up 20.0% across the available one-year price window (Jun 26, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of +4.2%, EPS growth of +27.2%, a dividend yield of 6.1%. What stands out right now is revenue +4.2%, EPS +27.2%, free cash flow +177.4% with operating margin 22.4% and ROIC 10.0%. The dividend matters to the case here, with a current yield around 6.1%. Valuation is more restrained than many high-expectation growth names at P/E 8.3 and price/sales 1.6. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines JUVF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+4.2% vs +3.4% peer median
Operating Margin
Above sector median
+22.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 20, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +4.2% and EPS at +27.2%, with operating margin around 22.4%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 6.1%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.4% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 20, 2026 | โ | +0.0% | +5.5% | +6.3% |
2026 Jan 27, 2026 | โ | +0.1% | +0.7% | +1.5% |
2025 Jul 25, 2025 | โ | -1.8% | -2.1% | -1.9% |
Benchmark Edge
JUVF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
JUVF
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
JUVF Max Drawdown
-9.47%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for JUVF and SPY.
Company Overview
Juniata Valley Financial Corp.
Other OTC
Juniata Valley Financial Corp. operates as the bank holding company for The Juniata Valley Bank that provides retail and commercial banking services primarily to small and mid-sized businesses in central and northern Pennsylvania, the United States. The company accepts personal checking, club, money market deposit, savings, individual retirement, business checking, payroll direct deposit, and demand and time deposit accounts, as well as certificates of deposit. It also offers checking overdraft privileges, secured lines of credit, construction and mortgage loans, secured and unsecured commercial and consumer loans, commercial lines of credit, letters of credit, mobile deposits for small business customers, and commercial term and demand loans. In addition, the company provides online, mobile, and telephone banking services; automated teller machine (ATM), online account management, remote deposit capability, and ACH origination services; debit cards; and safe deposit boxes. Further, it offers trust, asset management, and estate services; and a range of financial services, including annuities, mutual funds, and stock and bond brokerage services, as well as long-term care insurance products. As of December 31, 2021, the company operated 16 community offices located in Juniata, Mifflin, Perry, Huntingdon, McKean, Potter, and Centre counties. Juniata Valley Financial Corp. was founded in 1867 and is headquartered in Mifflintown, Pennsylvania.
- Leadership
- Marcie A. Barber
- IPO Date
- Mar 17, 1999
- Employees
- 115
- Street Address
- Bridge and Main Streets
- Mailing
- Mifflintown, PA, 17059-0066
- Region
- Mifflintown, PA, US
- Reporting Currency
- USD
- Investor Line
- 855 582 5101
- Last Updated
- May 1, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.3
- EV/EBITDA
- 10.6
- Price/Sales
- 1.6
- Price/Book
- 1.2
Growth
- Revenue
- +4.2%
- EPS
- +27.2%
- Free Cash Flow
- +177.4%
Profitability
- Gross Margin
- 68.6%
- Operating Margin
- 22.4%
- Net Margin
- 19.0%
- ROE
- 15.6%
- ROIC
- 10.0%
Balance Sheet
- Debt/Equity
- 0.78
- Current Ratio
- 1.29
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.