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Juniata Valley FinancialJUVF 61 FCF Margin % is 31.56% as of Jun. 2026, which is 22% above its 10-year median of 25.92. GuruFocus rates JUVF with a GF Score™ of 61/100 and a GF Value™ of $15.14 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, Juniata Valley Financial ranks better than 62.58% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Juniata Valley Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Juniata Valley Financial's FCF Margin % 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 FCF Margin % of 31.56% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Juniata Valley Financial and its competitors. This is 22% above median its historical median of 25.92. Over the past decade, Juniata Valley Financial's FCF Margin % has ranged from 11.82 to 34.36. According to the industry distribution chart, Juniata Valley Financial ranks #561 out of 1499 companies in the Banks industry, placing it in the top 37.4%.
Is Juniata Valley Financial's FCF Margin % too high?
Juniata Valley Financial's current FCF Margin % of 31.56% is 22% above median its 10-year median of 25.92. Over the past 10 years, this metric has ranged from a low of 11.82 to a high of 34.36. The Banks industry median FCF Margin % is 27.12. Juniata Valley Financial's value of 31.56% is 16.4% above this industry median. Based on the distribution chart, Juniata Valley Financial ranks #561 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, Juniata Valley Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Juniata Valley Financial's FCF Margin % compare to CZNL and CPBI?
According to the Banks industry distribution chart, Juniata Valley Financial ranks #561 out of 1499 companies for FCF Margin %. This puts Juniata Valley Financial in the upper half of its industry. The industry median FCF Margin % is 27.12. Juniata Valley Financial's value of 31.56% is 16.4% above this benchmark. Historically, Juniata Valley Financial's own FCF Margin % has ranged from 11.82 to 34.36 over the past decade. While the company's 10-year median is 25.92 vs. the industry median of 27.12, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Juniata Valley Financial's current FCF Margin % of 31.56% is 16.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Juniata Valley Financial and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Juniata Valley Financial's current FCF Margin % is 31.56%, which is 22% above median its own 10-year median of 25.92. 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 $15.14, compared to a current price of $16.50 — trading 9% above its estimated fair value. The current FCF Margin % is 31.56%, which is 22% above median its 10-year median of 25.92 and 16.4% above the Banks industry median of 27.12. Juniata Valley Financial's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current FCF Margin % is 31.56% 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 $16.50 is trading 9% above its estimated GF Value™ of $15.14.
GuruFocus considers Juniata Valley Financial to be Fairly Valued.
Key valuation signals for JUVF:
FCF Margin %: 31.56% (22% above median its 10-year median of 25.92)
GF Value™: $15.14 vs. price of $16.50 (9% above fair value)
Industry Position: 16.4% above the Banks median (#561 of 1499)
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.
61GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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