JUNIATA VALLEY FINANCIAL CORP (JUVF)
State Commercial Banks · Financial Services · $75M
Intrinsic Value (Consensus)
$44.16
Current Price
$15.00
Margin of Safety
+194.4%
194.4% Below Intrinsic Value
Value: $44
Price: $15
Valuation Model Estimates
Current Price: $15.00
DCF (Discounted Cash Flow)
$80.02
Graham Number
$20.20
Earnings Power Value
$15.44
Relative Value (P/E)
$31.80
Dividend Discount Model
$73.33
Consensus Value
$44.16
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (11.4%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.59
- EPS (Forward)
- $1.91
- Book Value
- $11.40
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 13.9%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.7%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance