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Juniata Valley FinancialJUVF 61 Median PS Value is $21.72 as of Aug. 24, 2026, which is 2649% above its 10-year median of 0.79. 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 1,059 Banks companies, Juniata Valley Financial ranks better than 86.02% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Juniata Valley Financial (OTCPK:JUVF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Juniata Valley Financial's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
16.50
/
21.72
=
0.76
* 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 Median PS Value Related Terms
Juniata Valley Financial Median PS Value 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, CPBI, SOBS: Median PS Value Comparison
For the Banks - Regional subindustry, Juniata Valley Financial's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Juniata Valley Financial's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Juniata Valley Financial's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.2345.
Juniata Valley Financial's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.715.
* 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 Median PS Value of $21.72 as of Aug. 24, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Juniata Valley Financial and its competitors. This is 2649% above median its historical median of 0.79. Over the past decade, Juniata Valley Financial's Median PS Value has ranged from 0.53 to 1.15. According to the industry distribution chart, Juniata Valley Financial ranks #148 out of 1059 companies in the Banks industry, placing it in the top 14%.
Is Juniata Valley Financial's Median PS Value too high?
Juniata Valley Financial's current Median PS Value of $21.72 is 2649% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.15. The Banks industry median Median PS Value is 1.11. Juniata Valley Financial's value of $21.72 is 1856.8% above this industry median. Based on the distribution chart, Juniata Valley Financial ranks #148 out of 1059 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Median PS Value compare to CZNL and CPBI?
According to the Banks industry distribution chart, Juniata Valley Financial ranks #148 out of 1059 companies for Median PS Value. This places Juniata Valley Financial in the top 14% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.11. Juniata Valley Financial's value of $21.72 is 1856.8% above this benchmark. Historically, Juniata Valley Financial's own Median PS Value has ranged from 0.53 to 1.15 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 1.11, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,059 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Juniata Valley Financial's current Median PS Value of $21.72 is 1856.8% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Juniata Valley Financial and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Juniata Valley Financial's current Median PS Value is $21.72, which is 2649% above median its own 10-year median of 0.79. 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 Median PS Value is $21.72, which is 2649% above median its 10-year median of 0.79 and 1856.8% above the Banks industry median of 1.11. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current Median PS Value is $21.72 as of Aug. 24, 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:
Median PS Value: $21.72 (2649% above median its 10-year median of 0.79)
GF Value™: $15.14 vs. price of $16.50 (9% above fair value)
Industry Position: 1856.8% above the Banks median (#148 of 1059)
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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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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