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Juniata Valley FinancialJUVF 61 Return-on-Tangible-Asset is 1.12% as of Jun. 2026, which is 32% above its 10-year median of 0.85. 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 1,526 Banks companies, Juniata Valley Financial ranks better than 52.49% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Juniata Valley Financial's annualizedNet Income for the quarter that ended in Jun. 2026 was $10.09 Mil. Juniata Valley Financial's average total tangible assets for the quarter that ended in Jun. 2026 was $900.42 Mil. Therefore, Juniata Valley Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.12%.
The historical rank and industry rank for Juniata Valley Financial's Return-on-Tangible-Asset or its related term are showing as below:
JUVF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.73 Med: 0.85 Max: 1.06
Current: 1.06
During the past 13 years, Juniata Valley Financial's highest Return-on-Tangible-Asset was 1.06%. The lowest was 0.73%. And the median was 0.85%.
JUVF's Return-on-Tangible-Asset is ranked better than 52.49% of 1526
companies
in the Banks industry
Industry Median: 1.03
vs JUVF: 1.06
Juniata Valley Financial (OTCPK:JUVF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Juniata Valley Financial Return-on-Tangible-Asset Related Terms
Juniata Valley Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Juniata Valley Financial's Return-on-Tangible-Asset 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.
Juniata Valley Financial Return-on-Tangible-Asset Chart
JUVF vs CZNL, CPBI, SOBS: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Juniata Valley Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Juniata Valley Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Juniata Valley Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.12% mean?
Juniata Valley Financial (JUVF) has a Return-on-Tangible-Asset of 1.12% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Juniata Valley Financial and its competitors. This is 32% above median its historical median of 0.85. Over the past decade, Juniata Valley Financial's Return-on-Tangible-Asset has ranged from 0.73 to 1.06. According to the industry distribution chart, Juniata Valley Financial ranks #725 out of 1526 companies in the Banks industry, placing it in the top 47.5%.
Is Juniata Valley Financial's Return-on-Tangible-Asset too high?
Juniata Valley Financial's current Return-on-Tangible-Asset of 1.12% is 32% above median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.06. The Banks industry median Return-on-Tangible-Asset is 1.03. Juniata Valley Financial's value of 1.12% is 8.7% above this industry median. Based on the distribution chart, Juniata Valley Financial ranks #725 out of 1526 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 Return-on-Tangible-Asset compare to CZNL and CPBI?
According to the Banks industry distribution chart, Juniata Valley Financial ranks #725 out of 1526 companies for Return-on-Tangible-Asset. This puts Juniata Valley Financial in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Juniata Valley Financial's value of 1.12% is 8.7% above this benchmark. Historically, Juniata Valley Financial's own Return-on-Tangible-Asset has ranged from 0.73 to 1.06 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.03, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Juniata Valley Financial's current Return-on-Tangible-Asset of 1.12% is 8.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Juniata Valley Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Juniata Valley Financial's current Return-on-Tangible-Asset is 1.12%, which is 32% above median its own 10-year median of 0.85. 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 Return-on-Tangible-Asset is 1.12%, which is 32% above median its 10-year median of 0.85 and 8.7% above the Banks industry median of 1.03. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current Return-on-Tangible-Asset is 1.12% 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:
Return-on-Tangible-Asset: 1.12% (32% above median its 10-year median of 0.85)
GF Value™: $15.14 vs. price of $16.50 (9% above fair value)
Industry Position: 8.7% above the Banks median (#725 of 1526)
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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