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Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Juniata Valley Financial Corp. (the Company or Juniata ) is a Pennsylvania corporation formed in 1983 as a result of a plan of merger and reorganization of The Juniata Valley Bank (the Bank ). The plan received regulatory approval on June 7, 1983 and Juniata, a one-bank holding company, registered under the Bank Holding Company Act of 1956 as a bank holding company.
$16.55
+$0.00 (+0.00%)
EOD Sep 15, 2026
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
8.9x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
$9M
▲ +28.2% YoY
Net Margin
—
P/E
8.9x
Balance Sheet
Total Assets
$919M
Equity
$63M
Total Debt
$44M
Cash & Equiv.
N/A
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SourceComputed from the 10-Q filed 12 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 13 Aug 2026. How this is calculated.
Price from market data, last close as of 15 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 8.9 and a price-to-free-cash-flow of 7.2, Juniata Valley Financial (JUVF) trades below a two-stage DCF intrinsic value of about $43.35 per share, so at $16.55 the stock looks undervalued (161.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Juniata Valley Financial scores 59/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 5.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $43.35 per share for JUVF, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $32.51. At today's $16.55, that puts the stock about 161.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Juniata Valley Financial scores 59 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Juniata Valley Financial pays a regular dividend of about $0.88 per share per year (typically in quarterly installments), a yield of roughly 5.3% at the current price. That is a payout ratio of about 47.1% of earnings, so the dividend is well covered. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For JUVF's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. JUVF currently trades below its estimated intrinsic value and scores 59/100 on quality (mixed). It also yields about 5.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.