JUVF (Juniata Valley Financial) Scaled Net Operating Assets: 0.05 (As of Jun. 2026)

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JUVF Juniata Valley Financial Corp JUVF
61 GF Score
Price $16.78
GF Value $15.14
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Juniata Valley Financial Scaled Net Operating Assets?

Juniata Valley Financial JUVF +1.70% 61 Scaled Net Operating Assets is 0.05 as of Jun. 2026. GuruFocus rates JUVF with a GF Score™ of 61/100 and a GF Value™ of $15.14 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Juniata Valley Financial's operating assets for the quarter that ended in Jun. 2026 was $863.89 Mil. Juniata Valley Financial's operating liabilities for the quarter that ended in Jun. 2026 was $823.14 Mil. Juniata Valley Financial's Total Assets for the quarter that ended in Mar. 2026 was $901.90 Mil. Therefore, Juniata Valley Financial's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.05.

JUVF
61GF Score
Juniata Valley Financial Corp JUVF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Juniata Valley Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Juniata Valley Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(883.815-803.39)/848.874
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=895.263 - 11.448
=883.815

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=837.89 - 0 - 34.5
=803.39

Juniata Valley Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(863.89-823.14)/901.897
=0.05

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=918.913 - 55.023
=863.89

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=856.24 - 0 - 33.1
=823.14

* 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.

What does a Scaled Net Operating Assets of 0.05 mean?
Juniata Valley Financial (JUVF) has a Scaled Net Operating Assets of 0.05 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Juniata Valley Financial and its competitors.
Is Juniata Valley Financial's Scaled Net Operating Assets too high?
Juniata Valley Financial's current Scaled Net Operating Assets is 0.05. Overall, Juniata Valley Financial has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Juniata Valley Financial's Scaled Net Operating Assets compare to CZNL and CPBI?
Juniata Valley Financial's Scaled Net Operating Assets of 0.05 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Juniata Valley Financial and its competitors. Juniata Valley Financial's current Scaled Net Operating Assets is 0.05. 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 Modestly Overvalued. The stock's GF Value™ is $15.14, compared to a current price of $16.78 — trading 10.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current Scaled Net Operating Assets is 0.05 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 $16.78 is trading 10.8% above its estimated GF Value™ of $15.14. GuruFocus considers Juniata Valley Financial to be Modestly Overvalued.

Key valuation signals for JUVF:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: $15.14 vs. price of $16.78 (10.8% 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.78
Price
$15.14
GF Value