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Juniata Valley FinancialJUVF +0.24%64 Debt-to-Equity is 0.53 as of Jun. 2026, which is 24% below its 10-year median of 0.70. GuruFocus rates JUVF with a GF Score™ of 64/100 and a GF Value™ of $15.15 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,411 Banks companies, Juniata Valley Financial ranks better than 53.79% on this metric.
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: 0.7 Max: 1.91
Current: 0.53
During the past 13 years, the highest Debt-to-Equity Ratio of Juniata Valley Financial was 1.91. The lowest was 0.28. And the median was 0.70.
JUVF's Debt-to-Equity is ranked better than 53.79% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs JUVF: 0.53
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
Juniata Valley Financial Debt-to-Equity Historical Data
* 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.
JUVF vs CZNL, KLIB, IBTN: Debt-to-Equity Comparison
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 Debt-to-Equity vs 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.
* 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.
Juniata Valley Financial (JUVF) has a Debt-to-Equity of 0.53 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Juniata Valley Financial and its competitors. This is 24% below median its historical median of 0.70. Over the past decade, Juniata Valley Financial's Debt-to-Equity has ranged from 0.28 to 1.91. According to the industry distribution chart, Juniata Valley Financial ranks #652 out of 1411 companies in the Banks industry, placing it in the top 46.2%.
Is Juniata Valley Financial's Debt-to-Equity too high?
Juniata Valley Financial's current Debt-to-Equity of 0.53 is 24% below median its 10-year median of 0.70. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.91. The Banks industry median Debt-to-Equity is 0.58. Juniata Valley Financial's value of 0.53 is 8.6% below this industry median. Based on the distribution chart, Juniata Valley Financial ranks #652 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Juniata Valley Financial has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Juniata Valley Financial's Debt-to-Equity compare to CZNL and KLIB?
According to the Banks industry distribution chart, Juniata Valley Financial ranks #652 out of 1411 companies for Debt-to-Equity. This puts Juniata Valley Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Juniata Valley Financial's value of 0.53 is 8.6% below this benchmark. Historically, Juniata Valley Financial's own Debt-to-Equity has ranged from 0.28 to 1.91 over the past decade. While the company's 10-year median is 0.70 vs. the industry median of 0.58, Juniata Valley Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Juniata Valley Financial's current Debt-to-Equity of 0.53 is 8.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Juniata Valley Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Juniata Valley Financial's current Debt-to-Equity is 0.53, which is 24% below median its own 10-year median of 0.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Juniata Valley Financial stock overvalued right now?
Based on GuruFocus' analysis, Juniata Valley Financial (JUVF) is currently considered Fairly Valued. The stock's GF Value™ is $15.15, compared to a current price of $16.57 — trading 9.4% above its estimated fair value. The current Debt-to-Equity is 0.53, which is 24% below median its 10-year median of 0.70 and 8.6% below the Banks industry median of 0.58. Juniata Valley Financial's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current Debt-to-Equity is 0.53 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Juniata Valley Financial (JUVF) Overvalued in 2026?
Based on GuruFocus' analysis, Juniata Valley Financial stock appears to be overvalued.
The current stock price of $16.57 is trading 9.4% above its estimated GF Value™ of $15.15.
GuruFocus considers Juniata Valley Financial to be Fairly Valued.
Key valuation signals for JUVF:
Debt-to-Equity: 0.53 (24% below median its 10-year median of 0.70)
GF Value™: $15.15 vs. price of $16.57 (9.4% above fair value)
Industry Position: 8.6% below the Banks median (#652 of 1411)
No single metric tells the full story. See the JUVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Juniata Valley Financial Corp is a bank holding company providing retail and commercial banking and other financial services. It offers a full range of consumer banking services, including deposit accounts, online and mobile banking, debit cards, and consumer lending products such as mortgages, construction, and secured loans. Its commercial banking services include business checking accounts, online account management, remote deposit, ACH origination, payroll services, and commercial lending products such as lines of credit and letters of credit. The Bank also provides trust, asset management, and estate services, and, through a contractual arrangement with a broker-dealer, offers financial services including annuities, mutual funds, brokerage services, and long-term care insurance.
64GF Score
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