JUVF
JUNIATA VALLEY FINANCIAL CORP
Next earnings Jul 16, 2026
Last earnings +6.6% on 2026-04-22
$15.38
▲ +0.20%$15.38▲ +29.65%
over 1Y
L $11.86H $15.38
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.2%
1W+0.2%
1M+5.0%
3M+9.8%
YTD+11.6%
1Y+29.6%
Sell
Conviction
Horizon
Medium (3–12mo)
Undemanding valuation (P/E 9.6); but high leverage (liabilities/equity 14.6x).
Return on equity 13.9% · latest
The read
It screens cheap (~293% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
JUNIATA VALLEY FINANCIAL CORP shows limited reported revenue, and 13.9% ROE.
Supporting the case: undemanding valuation (P/E 9.6).
Is JUVF a buy? The one-page verdict, explained →
The options angle
model · matches our verdictBear put spread~60d expiry
- Long put 15.5 @ ~0.41 est
- Short put 14 @ ~0.03 est
debit $38max +$112max −$38BE 15.12
SELL verdict, defined risk: profits into weakness down to the short strike; max loss is the net debit.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $6.60M | $8.32M | $6.60M | $6.23M | $7.98M |
| Diluted EPS | $1.32 | $1.66 | $1.31 | $1.24 | $1.59 |
| Net margin | — | — | — | — | — |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.34
Earnings yield10.3%
FCF yield—
Quality & risk
ROIC (est.)—
Free cash flow—
Total debt$49.9M
Net cash-$36.4M
Piotroski F-Score5/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)5.7%
Shareholder yield5.7%
Shares Δ YoY+0.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-012026-06-04open ↗8-KPeriod ending 2026-05-192026-05-20open ↗8-KPeriod ending 2026-05-192026-05-19open ↗10-QPeriod ending 2026-03-312026-05-13open ↗8-KPeriod ending 2026-04-222026-04-22open ↗DEF 14APeriod ending 2026-05-192026-03-26open ↗10-KPeriod ending 2025-12-312026-03-25open ↗4Period ending 2026-02-172026-02-18open ↗4Period ending 2026-02-172026-02-18open ↗4Period ending 2026-02-172026-02-18open ↗4Period ending 2026-02-172026-02-18open ↗4Period ending 2026-02-172026-02-18open ↗
Frequently asked
- Is JUNIATA VALLEY FINANCIAL CORP (JUVF) a buy?
- JUVF currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 9.6); but high leverage (liabilities/equity 14.6x).
- What is JUVF's fair value?
- A Modified-Graham model based on JUVF's SEC fundamentals estimates a fair value of about $60.42. It is an estimate from reported earnings, not a price target.
- Is JUVF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, JUVF currently appears undervalued relative to its SEC-grounded earnings power.
- What is JUNIATA VALLEY FINANCIAL CORP's quality score?
- JUVF scores 84.23529411764704/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000714712, latest 10-Q filed 2026-05-13) · EODHD · as of 6/22/2026, 9:49:27 PM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 22, 2026, 5:49 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.