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Juniata Valley Financial

(OTC) JUVF

Current Price$15.40
Market Cap$77.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+341%
5 Year+25%
1 Year+26%
1 Month+2%
Juniata Valley Financial last closing stock price
MetricPriceDate
Last closeUSD 15.402026-07-17
Juniata Valley Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.22%USD 15.592026-07-10
1 month+2.33%USD 15.052026-06-17
3 month+13.06%USD 13.622026-04-17
Year to date+13.45%USD 13.572025-12-31
1 year+25.98%USD 12.222025-07-16
3 year+32.43%USD 11.632023-07-18
5 year+24.97%USD 12.322021-07-16
Since inception+340.71%USD 3.491993-03-29

Juniata Valley Financial Financials at a Glance

Market Cap

$77.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$46.23M

Net Income (TTM)

$8.77M

EPS (TTM)

$1.74

P/E Ratio

8.84

Dividend

$0.88

Beta (Volatility)

0.09 (Low)

Price

$15.40

Volume

4,850

Open

$15.55

Previous Close

$15.40

Daily Range

$15.40 - $15.55

52-Week Range

$13.03 - $15.71

Estimated Earnings Date

Apr 20, 2026

JUVF News

No articles available.

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About Juniata Valley Financial

Juniata Valley helps people and businesses manage money and access loans locally. Its checking accounts and business loans support daily needs in rural Pennsylvania. Customers use these services for saving, spending, and growing their businesses.

Money Matters: What Juniata Valley Offers

  • Personal Banking: Checking, savings, and retirement accounts for individuals; helps manage everyday finances.
  • Business Banking: Business checking, payroll, and deposit services for small and mid-sized companies.
  • Lending: Home mortgages, construction loans, and commercial loans; supports homebuyers and local businesses.
  • Digital Banking: Online, mobile, and telephone banking; offers account access and payments anytime.
  • Wealth & Trust Services: Trust management, estate planning, and investment products for individuals and families.

Branching Out: Growth and Expansion Moves

  • Acquired the Path Valley branch in 2023 to expand local presence.
  • Formed a broker-dealer partnership to offer more wealth management products.
  • Launched the Greenlight financial literacy app for families.
  • Continued digital banking upgrades, including mobile deposits and remote account management.

Why Juniata Valley Stands Out

The company focuses on rural communities, offering personalized service and local decision-making. Its stable deposit base and conservative lending help manage risk. Juniata Valley’s broad product range and digital tools support both individuals and businesses.

Five Things You Need to Know

  • Net income was $8.0M in full-year 2025, up 28.2% from 2024.
  • Total assets reached $895.3M in Q4 2025, up 5.5% year-over-year.
  • Loans outstanding grew 12.6% to $601.4M in Q4 2025.
  • Deposits increased 4.5% to $781.8M in Q4 2025.

Bottom Line

Juniata Valley has evolved by expanding digital services and local lending. Its focus on community banking and steady growth supports long-term stability.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

111

CEO

Marcie A. Barber

Website

www.jvbonline.com

Headquarters

Mifflintown, PA 17059-0066, US

JUVF Financials

Key Financial Metrics (TTM)

Gross Margin

68.60%

Operating Margin

22.40%

Net Income Margin

18.98%

Return on Equity

15.61%

Return on Capital

8.68%

Return on Assets

0.97%

Earnings Yield

11.31%

Dividend Yield

5.71%

Payout Ratio

50.35%

Stock Overview

Market Cap

$77.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.03M

Volume

4.85K

Avg. Volume

1.91K

Financials (TTM)

Gross Profit

$31.71M

Operating Income

$10.35M

EBITDA

$11.01M

Operating Cash Flow

$10.83M

Capital Expenditure

-$798.00K

Free Cash Flow

$10.03M

Cash & ST Invst.

$60.24M

Total Debt

$47.19M

Juniata Valley Financial Performance Analysis

Juniata Valley Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 32,876,00011.0%
20232023-12-31USD 38,501,00017.1%
20242024-12-31USD 42,826,00011.2%
20252025-12-31USD 44,613,0004.2%
Juniata Valley Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-304.5%
Q32025-09-304.6%
Q42025-12-311.5%
Q12026-03-312.9%
Juniata Valley Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.417.1%
20232023-12-31USD 1.31-6.8%
20242024-12-31USD 1.24-5.4%
20252025-12-31USD 1.5927.6%
Juniata Valley Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-5.0%
Q32025-09-307.9%
Q42025-12-31-2.4%
Q12026-03-3140.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$12.02M

+14.1%

Gross Profit

$8.57M

+21.3%

Gross Margin

71.29%

N/A

Market Cap

$77.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$698.19K

N/A

Employees

111

N/A

Net Income

$2.80M

+39.3%

EBITDA

$3.58M

+38.2%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$60.24M

-23.0%

Total Debt

$47.19M

-3.9%

Accounts Receivable

$2.57M

N/A

Inventory

$0.00

N/A

Long Term Debt

$655.00K

-86.9%

Short Term Debt

$46.53M

+5.6%

Return on Assets

0.97%

N/A

Return on Invested Capital

1.21%

N/A

Free Cash Flow

$2.57M

+30.1%

Operating Cash Flow

$2.84M

+34.2%

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Questions About JUVF

What is the current price of Juniata Valley Financial?

Juniata Valley Financial is trading at $15.40 per share.

What is the 52-week range for Juniata Valley Financial?

Over the past 52 weeks, Juniata Valley Financial has traded between $13.03 and $15.71.

How much debt does Juniata Valley Financial have?

As of the most recent reporting period, Juniata Valley Financial reported total debt of $47.19M.

How much cash does Juniata Valley Financial have on hand?

Juniata Valley Financial does not have cash on hand data available.

What is Juniata Valley Financial’s dividend yield?

Juniata Valley Financial currently has a dividend yield of 5.71%.

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