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Juniata Valley Financial Corp. JUVF OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Juniata Valley Financial Corp. (JUVF) is a Banks - Regional company in the Financial Services sector, currently trading at $13.88. It has a SharesGrow Score of 64/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $45M, +18%/yr average growth. Net income is $8M, growing at +5.3%/yr. Net profit margin is 17.8% (healthy). Gross margin is 67.5% (-32.5 pp trend).

Balance sheet: total debt is $51M against $57M equity (Debt-to-Equity (D/E) ratio 0.88, moderate). Current ratio is 0.11 (tight liquidity). Debt-to-assets is 5.7%. Total assets: $895M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

JUVF SharesGrow Score Overview

66/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — JUVF

JUVF trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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JUVF: +18%/yr revenue is, +5.3%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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JUVF: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet JUVF: Debt-to-Equity (D/E) ratio 0.88 (moderate), Current ratio is 0.11 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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JUVF: Gross margin is 67.5% (-32.5 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

JUVF: Net profit margin is 17.8%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range11.55-14.98

Volume674

Avg Volume (30D)2.46K

Market Cap$69.85M

Beta (1Y)0.17

Dividend Yield$0.8800

Share Statistics

EPS (TTM)1.59

Shares Outstanding$5.02M

IPO Date1999-03-17

Employees115

CEOMarcie A. Barber

Financial Highlights & Ratios

Revenue (TTM)$44.74M

Gross Profit$30.2M

EBITDA$9.37M

Net Income$7.98M

Operating Income$9.37M

Total Cash$5.72M

Total Debt$50.63M

Net Debt$44.91M

Total Assets$895.26M

Price / Earnings (P/E)8.7

Price / Sales (P/S)1.56

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS4820161028

Price Chart

JUVF

Juniata Valley Financial Corp. ↗ · Other OTC

Financial Services • Banks - Regional

11.55 52WK RANGE 14.98

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