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Juniata Valley FinancialJUVF 61 Return-on-Tangible-Equity is 19.64% as of Jun. 2026, which is 88% above its 10-year median of 10.43. GuruFocus rates JUVF with a GF Scoreâ„¢ of 61/100 and a GF Valueâ„¢ of $15.14 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Juniata Valley Financial ranks better than 88.49% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Juniata Valley Financial's annualized net income for the quarter that ended in Jun. 2026 was $10.09 Mil. Juniata Valley Financial's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $51.38 Mil. Therefore, Juniata Valley Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 19.64%.
The historical rank and industry rank for Juniata Valley Financial's Return-on-Tangible-Equity or its related term are showing as below:
JUVF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.5 Med: 10.43 Max: 23.42
Current: 19.77
During the past 13 years, Juniata Valley Financial's highest Return-on-Tangible-Equity was 23.42%. The lowest was 8.50%. And the median was 10.43%.
JUVF's Return-on-Tangible-Equity is ranked better than 88.49% of 1521
companies
in the Banks industry
Industry Median: 11.49
vs JUVF: 19.77
Juniata Valley Financial (OTCPK:JUVF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Juniata Valley Financial Return-on-Tangible-Equity Related Terms
Juniata Valley Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Juniata Valley Financial's Return-on-Tangible-Equity 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-Equity Chart
JUVF vs CZNL, CPBI, SOBS: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Juniata Valley Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Juniata Valley Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Juniata Valley Financial's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.64% mean?
Juniata Valley Financial (JUVF) has a Return-on-Tangible-Equity of 19.64% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Juniata Valley Financial and its competitors. This is 88% above median its historical median of 10.43. Over the past decade, Juniata Valley Financial's Return-on-Tangible-Equity has ranged from 8.50 to 23.42. According to the industry distribution chart, Juniata Valley Financial ranks #175 out of 1521 companies in the Banks industry, placing it in the top 11.5%.
Is Juniata Valley Financial's Return-on-Tangible-Equity too high?
Juniata Valley Financial's current Return-on-Tangible-Equity of 19.64% is 88% above median its 10-year median of 10.43. Over the past 10 years, this metric has ranged from a low of 8.50 to a high of 23.42. The Banks industry median Return-on-Tangible-Equity is 11.49. Juniata Valley Financial's value of 19.64% is 70.9% above this industry median. Based on the distribution chart, Juniata Valley Financial ranks #175 out of 1521 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 Return-on-Tangible-Equity compare to CZNL and CPBI?
According to the Banks industry distribution chart, Juniata Valley Financial ranks #175 out of 1521 companies for Return-on-Tangible-Equity. This places Juniata Valley Financial in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.49. Juniata Valley Financial's value of 19.64% is 70.9% above this benchmark. Historically, Juniata Valley Financial's own Return-on-Tangible-Equity has ranged from 8.50 to 23.42 over the past decade. While the company's 10-year median is 10.43 vs. the industry median of 11.49, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.49, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 19.64% is 70.9% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Juniata Valley Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.49 — 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-Equity is 19.64%, which is 88% above median its own 10-year median of 10.43. 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-Equity is 19.64%, which is 88% above median its 10-year median of 10.43 and 70.9% above the Banks industry median of 11.49. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current Return-on-Tangible-Equity is 19.64% 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-Equity: 19.64% (88% above median its 10-year median of 10.43)
GF Value™: $15.14 vs. price of $16.50 (9% above fair value)
Industry Position: 70.9% above the Banks median (#175 of 1521)
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
Get the complete analysis for JUVF
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