OTCPK:JUVF

Stock Analysis Report

Juniata Valley Financial

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet established dividend payer.


Similar Companies

Share Price & News

How has Juniata Valley Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.5%

JUVF

4.1%

US Banks

1.0%

US Market


1 Year Return

-7.9%

JUVF

7.2%

US Banks

8.0%

US Market

Return vs Industry: JUVF underperformed the US Banks industry which returned 7.2% over the past year.

Return vs Market: JUVF underperformed the US Market which returned 8% over the past year.


Shareholder returns

JUVFIndustryMarket
7 Day-1.5%4.1%1.0%
30 Day-1.5%2.8%-0.07%
90 Day-1.5%2.9%-1.0%
1 Year-3.9%-7.9%10.3%7.2%10.4%8.0%
3 Year23.7%8.2%53.9%43.3%46.2%36.7%
5 Year38.1%9.4%71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

How volatile is Juniata Valley Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Juniata Valley Financial undervalued compared to its fair value and its price relative to the market?

17.13x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: JUVF ($19.7) is trading above our estimate of fair value ($13.68)

Significantly Below Fair Value: JUVF is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: JUVF is poor value based on its PE Ratio (17.1x) compared to the Banks industry average (12.6x).

PE vs Market: JUVF is good value based on its PE Ratio (17.1x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate JUVF's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: JUVF is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Juniata Valley Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

4.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: JUVF's forecast earnings growth (4.2% per year) is above the savings rate (2.7%).

Earnings vs Market: JUVF's earnings (4.2% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: JUVF's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if JUVF's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if JUVF's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if JUVF's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Juniata Valley Financial performed over the past 5 years?

9.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: JUVF's earnings have grown by 9.1% per year over the past 5 years.

Accelerating Growth: JUVF's earnings growth over the past year (15.2%) exceeds its 5-year average (9.1% per year).

Earnings vs Industry: JUVF earnings growth over the past year (15.2%) underperformed the Banks industry 30.1%.


Return on Equity

High ROE: JUVF's Return on Equity (8.1%) is considered low.


Return on Assets

ROA vs Industry: JUVF's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate JUVF's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Juniata Valley Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: JUVF has a low level of unsold assets or inventory.

Debt Coverage by Assets: JUVF's debt is not covered by short term assets (assets are 0.6x debt).


Financial Institutions Analysis

Asset Level: JUVF's level of assets compared to its equity is low.

Allowance for Bad Loans: JUVF has a sufficient allowance for bad loans.

Low Risk Liabilities: JUVF's liabilities are made up of primarily low risk sources of funding.

Loan Level: JUVF has an acceptable proportion of non-loan assets held.

Low Risk Deposits: JUVF's loans are broadly funded by customer deposits.

Level of Bad Loans: JUVF has an appropriate level of bad loans (0.23%)


Next Steps

Dividend

What is Juniata Valley Financial's current dividend yield, its reliability and sustainability?

4.47%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Juniata Valley Financial before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield vs Market

company4.5%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: JUVF's dividend (4.47%) is higher than the bottom 25% of dividend payers in the US market (1.44%).

High Dividend: JUVF's dividend (4.47%) is in the top 25% of dividend payers in the US market (3.68%)

Stable Dividend: JUVF's dividends per share have been stable in the past 10 years.

Growing Dividend: JUVF's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: At its current payout ratio (76.5%), JUVF's payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of Juniata Valley Financial's salary, the management and board of directors tenure and is there insider trading?

9.3yrs

Average management tenure


CEO

Marcie Barber (60yo)

9.3yrs

Tenure

US$407,500

Compensation

Ms. Marcie A. Barber has been the Chief Executive Officer and President of The Juniata Valley Bank ("Bank") and Juniata Valley Financial Corp. since July 2, 2010. Ms. Barber served as Chief Operating Offic ...


CEO Compensation Analysis

Compensation vs. Market: Marcie's total compensation ($USD407.50K) is about average for companies of similar size in the US market ($USD509.77K).

Compensation vs Earnings: Marcie's compensation has been consistent with company performance over the past year.


Management Age and Tenure

9.3yrs

Average Tenure

61.5yo

Average Age

Experienced Management: JUVF's management team is seasoned and experienced (9.3 years average tenure).


Board Age and Tenure

6.3yrs

Average Tenure

60yo

Average Age

Experienced Board: JUVF's board of directors are considered experienced (6.3 years average tenure).


Insider Trading

Insider Buying: JUVF insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

BuyUS$1,11913 Aug 19
Bradley Wagner
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares55
Max PriceUS$20.35
BuyUS$45,72803 Jul 19
Gary Kelsey
EntityIndividual
Role
Member of the Board of Directors
Director
Shares2,219
Max PriceUS$20.75
BuyUS$18714 Jun 19
Bradley Wagner
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares9
Max PriceUS$20.75
BuyUS$79620 May 19
Bradley Wagner
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares39
Max PriceUS$20.40
BuyUS$59522 Feb 19
Bradley Wagner
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares29
Max PriceUS$20.50
BuyUS$59414 Feb 19
Bradley Wagner
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares27
Max PriceUS$22.00

Ownership Breakdown


Management Team

  • JoAnn McMinn (66yo)

    Executive VP

    • Tenure: 14.2yrs
    • Compensation: US$273.84k
  • Donald Shawley (63yo)

    Senior VP & Trust & Investment Services Division Manager - Juniata Valley Bank

    • Tenure: 0yrs
  • Marcie Barber (60yo)

    President

    • Tenure: 9.3yrs
    • Compensation: US$407.50k
  • Tina Smith

    Senior VP & Director of Human Resources - Juniata Valley Bank

    • Tenure: 0yrs
  • Suzanne Booher

    Vice President of Marketing

    • Tenure: 0yrs
  • Steven Kramm

    Senior VP & IT Division Manager - Juniata Valley Bank

    • Tenure: 0yrs
  • Jeremiah Trout

    Senior VP & Lending Division Manager - Juniata Valley Bank

    • Tenure: 0yrs
  • Lisa Snyder

    Senior VP & Credit Administration Manager of Juniata Valley Bank

    • Tenure: 0yrs
  • Karl Barry (55yo)

    Senior VP & Operation Division Manager

    • Tenure: 0.08yrs
  • Brock Glassford

    Vice President of Compliance Officer

    • Tenure: 0yrs

Board Members

  • Martin Dreibelbis (65yo)

    Independent Director

    • Tenure: 21.8yrs
    • Compensation: US$27.19k
  • Philip Gingerich (60yo)

    Vice Chairman of the Board

    • Tenure: 6.3yrs
    • Compensation: US$38.13k
  • Timothy Havice (71yo)

    Chairman of the Board

    • Tenure: 6.3yrs
    • Compensation: US$44.08k
  • Richard Scanlon (70yo)

    Independent Director

    • Tenure: 21.8yrs
    • Compensation: US$26.60k
  • Marcie Barber (60yo)

    President

    • Tenure: 9.3yrs
    • Compensation: US$407.50k
  • Brad Wagner (45yo)

    Independent Director

    • Tenure: 5.3yrs
    • Compensation: US$22.70k
  • Gary Kelsey (56yo)

    Director

    • Tenure: 3.8yrs
    • Compensation: US$21.55k
  • Michael Buffington (44yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$20.70k

Company Information

Juniata Valley Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Juniata Valley Financial Corp.
  • Ticker: JUVF
  • Exchange: OTCPK
  • Founded: 1867
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$100.620m
  • Shares outstanding: 5.11m
  • Website: https://www.JVBonline.com

Number of Employees


Location

  • Juniata Valley Financial Corp.
  • Bridge and Main Streets
  • PO Box 66
  • Mifflintown
  • Pennsylvania
  • 17059
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
JUVFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 1993

Biography

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 a ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/21 23:38
End of Day Share Price2019/10/17 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.