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Juniata Valley Financial (Juniata Valley Financial) PB Ratio : 1.40 (As of Apr. 26, 2024)


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What is Juniata Valley Financial PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-26), Juniata Valley Financial's share price is $11.60. Juniata Valley Financial's Book Value per Share for the quarter that ended in Dec. 2023 was $8.29. Hence, Juniata Valley Financial's PB Ratio of today is 1.40.

Good Sign:

Juniata Valley Financial Corp stock PB Ratio (=1.39) is close to 2-year low of 1.26

The historical rank and industry rank for Juniata Valley Financial's PB Ratio or its related term are showing as below:

JUVF' s PB Ratio Range Over the Past 10 Years
Min: 0.92   Med: 1.49   Max: 2.32
Current: 1.4

During the past 13 years, Juniata Valley Financial's highest PB Ratio was 2.32. The lowest was 0.92. And the median was 1.49.

JUVF's PB Ratio is ranked worse than
80.73% of 1458 companies
in the Banks industry
Industry Median: 0.85 vs JUVF: 1.40

During the past 12 months, Juniata Valley Financial's average Book Value Per Share Growth Rate was 12.30% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -18.40% per year. During the past 5 years, the average Book Value Per Share Growth Rate was -11.90% per year. During the past 10 years, the average Book Value Per Share Growth Rate was -2.50% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Juniata Valley Financial was 33.70% per year. The lowest was -20.10% per year. And the median was 1.70% per year.

Back to Basics: PB Ratio


Juniata Valley Financial PB Ratio Historical Data

The historical data trend for Juniata Valley Financial's PB Ratio can be seen below:

* 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.

* Premium members only.

Juniata Valley Financial PB Ratio Chart

Juniata Valley Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.34 1.16 1.15 2.17 1.57

Juniata Valley Financial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.17 2.01 1.98 1.68 1.57

Competitive Comparison of Juniata Valley Financial's PB Ratio

For the Banks - Regional subindustry, Juniata Valley Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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's PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Juniata Valley Financial's PB Ratio distribution charts can be found below:

* The bar in red indicates where Juniata Valley Financial's PB Ratio falls into.



Juniata Valley Financial PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Juniata Valley Financial's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=11.60/8.293
=1.40

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Juniata Valley Financial  (OTCPK:JUVF) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Juniata Valley Financial PB Ratio Related Terms

Thank you for viewing the detailed overview of Juniata Valley Financial's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Juniata Valley Financial (Juniata Valley Financial) Business Description

Traded in Other Exchanges
N/A
Address
Bridge and Main Streets, PO Box 66, Mifflintown, PA, USA, 17059-0066
Juniata Valley Financial Corp provides financial services. The firm offers banking services such as personal checking, personal savings, online banking, mobile banking, personal loans, business loans, and other banking services. The bank generates its revenue in the form of interest income. It offers a full range of consumer and commercial banking services. Consumer banking services include online account opening; online banking; mobile banking; personal checking accounts; checking overdraft privileges; savings accounts; debit cards; certificates of deposit; individual retirement accounts, among others. Commercial banking services include low and high-volume business checking accounts; online account management services; remote deposit capability; ACH origination; payroll direct deposit.
Executives
Martin L Dreibelbis director
Steven C. Sliver director 6415 MARGY DRIVE, HUNTINGDON PA 16652
Scarnati Joseph B. Iii director 978 EVERGREEN ST., BROCKWAY PA 15824
Christina Calkins-mazur director 119 GRAND PARKWAY NORTH, LEWISTOWN PA 17044
Marcie A Barber officer: SVP Community Office Div. Mgr. 137 OAKRIDGE ROAD, LEWISTOWN PA 17044
Bradley J. Wagner director 1344 MASTERSONVILLE ROAD, MANHEIM PA 17545
Michael W. Wolf officer: SVP/CFO 218 BRIDGE STREET, PO BOX 66, MIFFLINTOWN PA 17059
Timothy I Havice director
Michael A. Buffington director 126 ELECTRIC AVENUE, LEWISTOWN PA 17044
Gary E Kelsey director PO BOX 590, COUDERSPORT PA 16915
Joann Mcminn officer: Chief Financial Officer PO BOX 66, BRIDGE & MAIN STREET, MIFFLINTOWN PA 17059
Gingerich Philip E Jr director
Douglas R Berry director 105 FOXFIRE LANE, LEWISBERRY PA 17339
A Jerome Cook director
Metz Robert K Jr director

Juniata Valley Financial (Juniata Valley Financial) Headlines