JUVF (Juniata Valley Financial) Margin of Safety % (DCF Earnings Based): N/A (As of Aug. 24, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JUVF Juniata Valley Financial Corp JUVF
61 GF Score
Price $16.50
GF Value $15.14
Valuation Fairly Valued
! 5 Warning Signs
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What is Juniata Valley Financial Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Juniata Valley Financial's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

JUVF vs CZNL, CPBI, SOBS: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Juniata Valley Financial's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Juniata Valley Financial's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Juniata Valley Financial's Margin of Safety % (DCF Earnings Based) falls into.


JUVF
61GF Score
Juniata Valley Financial Corp JUVF
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: $15.14 vs. price of $16.50 (9% above fair value)
  • GF Score™: 61/100 with 5 warning signs

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 Business Description

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

Get the complete analysis for JUVF

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.50
Price
$15.14
GF Value