Juniata Valley FinancialJUVF +0.19%64 EV-to-FCF is 10.27 as of Jul. 10, 2026, which is 40% below its 10-year median of 17.07. GuruFocus rates JUVF with a GF Score™ of 64/100 and a GF Value™ of $14.70 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,193 Banks companies, Juniata Valley Financial ranks worse than 62.95% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Juniata Valley Financial's Enterprise Value is $102.94 Mil.
Juniata Valley Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $10.03 Mil. Therefore, Juniata Valley Financial's EV-to-FCF for today is 10.27.
The historical rank and industry rank for Juniata Valley Financial's EV-to-FCF or its related term are showing as below:
JUVF'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.65 Med: 17.07 Max: 35.9
Current: 10.27
During the past 13 years, the highest EV-to-FCF of Juniata Valley Financial was 35.90. The lowest was 6.65. And the median was 17.07.
JUVF's EV-to-FCF is ranked worse than 62.95% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs JUVF: 10.27
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Juniata Valley Financial (OTCPK:JUVF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Juniata Valley Financial's PE Ratio (TTM) for today is calculated as:
Juniata Valley Financial's share price for today is $15.59.
Juniata Valley Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.740.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Juniata Valley Financial EV-to-FCF Related Terms
Juniata Valley Financial EV-to-FCF 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.
For the Banks - Regional subindustry, Juniata Valley Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Juniata Valley Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Juniata Valley Financial's EV-to-FCF falls into.
Juniata Valley Financial's current Enterprise Value is $102.94 Mil.
Juniata Valley Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $10.03 Mil.
* 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 EV-to-FCF of 10.27 as of Jul. 10, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Juniata Valley Financial and its competitors. This is 40% below median its historical median of 17.07. Over the past decade, Juniata Valley Financial's EV-to-FCF has ranged from 6.65 to 35.90. According to the industry distribution chart, Juniata Valley Financial ranks #751 out of 1193 companies in the Banks industry, placing it in the top 63%.
Is Juniata Valley Financial's EV-to-FCF too high?
Juniata Valley Financial's current EV-to-FCF of 10.27 is 40% below median its 10-year median of 17.07. Over the past 10 years, this metric has ranged from a low of 6.65 to a high of 35.90. The Banks industry median EV-to-FCF is 6.57. Juniata Valley Financial's value of 10.27 is 56.3% above this industry median. Based on the distribution chart, Juniata Valley Financial ranks #751 out of 1193 companies in the Banks industry, which is below 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 EV-to-FCF compare to CZNL and CYFL?
According to the Banks industry distribution chart, Juniata Valley Financial ranks #751 out of 1193 companies for EV-to-FCF. This places Juniata Valley Financial in the lower half of its industry. The industry median EV-to-FCF is 6.57. Juniata Valley Financial's value of 10.27 is 56.3% above this benchmark. Historically, Juniata Valley Financial's own EV-to-FCF has ranged from 6.65 to 35.90 over the past decade. While the company's 10-year median is 17.07 vs. the industry median of 6.57, Juniata Valley Financial has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Juniata Valley Financial's current EV-to-FCF of 10.27 is 56.3% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Juniata Valley Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Juniata Valley Financial's current EV-to-FCF is 10.27, which is 40% below median its own 10-year median of 17.07. 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 $14.70, compared to a current price of $15.59 — trading 6.1% above its estimated fair value. The current EV-to-FCF is 10.27, which is 40% below median its 10-year median of 17.07 and 56.3% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current EV-to-FCF is 10.27 as of Jul. 10, 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 $15.59 is trading 6.1% above its estimated GF Value™ of $14.70.
GuruFocus considers Juniata Valley Financial to be Fairly Valued.
Key valuation signals for JUVF:
EV-to-FCF: 10.27 (40% below median its 10-year median of 17.07)
GF Value™: $14.70 vs. price of $15.59 (6.1% above fair value)
Industry Position: 56.3% above the Banks median (#751 of 1193)
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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