Juniata Valley Financial (Juniata Valley Financial) Debt-to-Equity : 1.45 (As of Dec. 2023)

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What is Juniata Valley Financial Debt-to-Equity?

Juniata Valley Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $40.00 Mil. Juniata Valley Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $20.00 Mil. Juniata Valley Financial's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $41.39 Mil. Juniata Valley Financial's debt to equity for the quarter that ended in Dec. 2023 was 1.45.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Juniata Valley Financial's Debt-to-Equity or its related term are showing as below:

JUVF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.28 Med: 0.83 Max: 1.84
Current: 1.45

During the past 13 years, the highest Debt-to-Equity Ratio of Juniata Valley Financial was 1.84. The lowest was 0.28. And the median was 0.83.

JUVF's Debt-to-Equity is ranked worse than
75.59% of 1393 companies
in the Banks industry
Industry Median: 0.69 vs JUVF: 1.45

Juniata Valley Financial Debt-to-Equity Historical Data

The historical data trend for Juniata Valley Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Juniata Valley Financial Debt-to-Equity Chart

Juniata Valley Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.74

0.72

0.28

1.84

1.45

Juniata Valley Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial															1.84	1.44	1.43	1.26	1.45

Competitive Comparison of Juniata Valley Financial's Debt-to-Equity

For the Banks - Regional subindustry, Juniata Valley Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Juniata Valley Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Juniata Valley Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Juniata Valley Financial's Debt-to-Equity falls into.

Juniata Valley Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Juniata Valley Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(40	+	20)	/	41.393
	=	1.45

Juniata Valley Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(40	+	20)	/	41.393
	=	1.45

Juniata Valley Financial (OTCPK:JUVF) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Juniata Valley Financial Debt-to-Equity Related Terms

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Juniata Valley Financial (Juniata Valley Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Juniata Valley Financial Corp (OTCPK:JUVF) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

Bridge and Main Streets, PO Box 66, Mifflintown, PA, USA, 17059-0066

Website

https://www.jvbonline.com

Juniata Valley Financial Corp provides financial services. The firm offers banking services such as personal checking, personal savings, online banking, mobile banking, personal loans, business loans, and other banking services. The bank generates its revenue in the form of interest income. It offers a full range of consumer and commercial banking services. Consumer banking services include online account opening; online banking; mobile banking; personal checking accounts; checking overdraft privileges; savings accounts; debit cards; certificates of deposit; individual retirement accounts, among others. Commercial banking services include low and high-volume business checking accounts; online account management services; remote deposit capability; ACH origination; payroll direct deposit.

Executives

Martin L Dreibelbis	director
Steven C. Sliver	director	6415 MARGY DRIVE, HUNTINGDON PA 16652
Scarnati Joseph B. Iii	director	978 EVERGREEN ST., BROCKWAY PA 15824
Christina Calkins-mazur	director	119 GRAND PARKWAY NORTH, LEWISTOWN PA 17044
Marcie A Barber	officer: SVP Community Office Div. Mgr.	137 OAKRIDGE ROAD, LEWISTOWN PA 17044
Bradley J. Wagner	director	1344 MASTERSONVILLE ROAD, MANHEIM PA 17545
Michael W. Wolf	officer: SVP/CFO	218 BRIDGE STREET, PO BOX 66, MIFFLINTOWN PA 17059
Timothy I Havice	director
Michael A. Buffington	director	126 ELECTRIC AVENUE, LEWISTOWN PA 17044
Gary E Kelsey	director	PO BOX 590, COUDERSPORT PA 16915
Joann Mcminn	officer: Chief Financial Officer	PO BOX 66, BRIDGE & MAIN STREET, MIFFLINTOWN PA 17059
Gingerich Philip E Jr	director
Douglas R Berry	director	105 FOXFIRE LANE, LEWISBERRY PA 17339
A Jerome Cook	director
Metz Robert K Jr	director