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Juniata Valley FinancialJUVF 61 5-Year Yield-on-Cost % is 5.33 as of Aug. 24, 2026, which is at its 10-year median of 5.33. 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 1,251 Banks companies, Juniata Valley Financial ranks better than 67.87% on this metric.
Juniata Valley Financial (OTCPK:JUVF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Juniata Valley Financial 5-Year Yield-on-Cost % Related Terms
JUVF vs CZNL, CPBI, SOBS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Juniata Valley Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Juniata Valley Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Juniata Valley Financial's 5-Year Yield-on-Cost % falls into.
Juniata Valley Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Juniata Valley Financial (JUVF) has a 5-Year Yield-on-Cost % of 5.33 as of Aug. 24, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Juniata Valley Financial and its competitors. This is near median its historical median of 5.33. Over the past decade, Juniata Valley Financial's 5-Year Yield-on-Cost % has ranged from 3.87 to 8.54. According to the industry distribution chart, Juniata Valley Financial ranks #402 out of 1251 companies in the Banks industry, placing it in the top 32.1%.
Is Juniata Valley Financial's 5-Year Yield-on-Cost % too high?
Juniata Valley Financial's current 5-Year Yield-on-Cost % of 5.33 is near median its 10-year median of 5.33. Over the past 10 years, this metric has ranged from a low of 3.87 to a high of 8.54. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Juniata Valley Financial's value of 5.33 is 39.2% above this industry median. Based on the distribution chart, Juniata Valley Financial ranks #402 out of 1251 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 5-Year Yield-on-Cost % compare to CZNL and CPBI?
According to the Banks industry distribution chart, Juniata Valley Financial ranks #402 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Juniata Valley Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Juniata Valley Financial's value of 5.33 is 39.2% above this benchmark. Historically, Juniata Valley Financial's own 5-Year Yield-on-Cost % has ranged from 3.87 to 8.54 over the past decade. While the company's 10-year median is 5.33 vs. the industry median of 3.83, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Juniata Valley Financial's current 5-Year Yield-on-Cost % of 5.33 is 39.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Juniata Valley Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Juniata Valley Financial's current 5-Year Yield-on-Cost % is 5.33, which is near median its own 10-year median of 5.33. 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 5-Year Yield-on-Cost % is 5.33, which is near median its 10-year median of 5.33 and 39.2% above the Banks industry median of 3.83. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current 5-Year Yield-on-Cost % is 5.33 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:
5-Year Yield-on-Cost %: 5.33 (near median its 10-year median of 5.33)
GF Value™: $15.14 vs. price of $16.50 (9% above fair value)
Industry Position: 39.2% above the Banks median (#402 of 1251)
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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