Juniata Valley Financial Corp
Juniata Valley Financial Corp. operates as the bank holding company for The Juniata Valley Bank that provides retail and commercial banking services to small and mid-sized businesses in central and northern Pennsylvania, the United States. The company offers consumer banking services that include online account opening, online banking, mobile banking, telephone banking, automated teller machines,… Read more
Juniata Valley Financial Corp (JUVF) - Net Assets
Latest net assets as of September 2025: $55.00 Million USD
Based on the latest financial reports, Juniata Valley Financial Corp (JUVF) has net assets worth $55.00 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($880.47 Million) and total liabilities ($825.47 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $55.00 Million |
| % of Total Assets | 6.25% |
| Annual Growth Rate | -0.37% |
| 5-Year Change | -38.04% |
| 10-Year Change | -20.85% |
| Growth Volatility | 15.71 |
Juniata Valley Financial Corp - Net Assets Trend (2010–2024)
This chart illustrates how Juniata Valley Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Juniata Valley Financial Corp (2010–2024)
The table below shows the annual net assets of Juniata Valley Financial Corp from 2010 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $47.46 Million | +18.24% |
| 2023-12-31 | $40.14 Million | +8.63% |
| 2022-12-31 | $36.95 Million | -48.17% |
| 2021-12-31 | $71.29 Million | -6.93% |
| 2020-12-31 | $76.60 Million | +3.92% |
| 2019-12-31 | $73.71 Million | +9.39% |
| 2018-12-31 | $67.38 Million | +13.46% |
| 2017-12-31 | $59.39 Million | +0.50% |
| 2016-12-31 | $59.09 Million | -1.45% |
| 2015-12-31 | $59.96 Million | +20.27% |
| 2014-12-31 | $49.86 Million | -0.26% |
| 2013-12-31 | $49.98 Million | -0.62% |
| 2012-12-31 | $50.30 Million | +1.16% |
| 2011-12-31 | $49.72 Million | -0.51% |
| 2010-12-31 | $49.98 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Juniata Valley Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 45.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $53.13 Million | 111.95% |
| Total Equity | $47.46 Million | 100.00% |
Juniata Valley Financial Corp Competitors by Market Cap
The table below lists competitors of Juniata Valley Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
HK TELEVISION NET
MU:XHN1
|
$60.37 Million |
|
FNM S.p.A.
LSE:0EHB
|
$60.39 Million |
|
Talisker Resources Ltd
OTCQX:TSKFF
|
$60.43 Million |
|
Akwel SA
PA:AKW
|
$60.43 Million |
|
TRANSAT A.T. VAR. VTG
F:1TJ
|
$60.31 Million |
|
Heungkuk Fire & Marine Insurance Co Ltd
KO:000545
|
$60.30 Million |
|
Ilika plc
OTCQX:ILIKF
|
$60.29 Million |
|
United Health Products Inc
PINK:UEEC
|
$60.27 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Juniata Valley Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 40,137,000 to 47,457,000, a change of 7,320,000 (18.2%).
- Net income of 6,229,000 contributed positively to equity growth.
- Dividend payments of 4,400,000 reduced retained earnings.
- Share repurchases of 3,000 reduced equity.
- Other factors increased equity by 5,494,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.23 Million | +13.13% |
| Dividends Paid | $4.40 Million | -9.27% |
| Share Repurchases | $3.00K | -0.01% |
| Other Changes | $5.49 Million | +11.58% |
| Total Change | $- | 18.24% |
Book Value vs Market Value Analysis
This analysis compares Juniata Valley Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.30x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 1.03x to 1.30x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $11.91 | $12.29 | x |
| 2014-12-31 | $11.91 | $12.29 | x |
| 2015-12-31 | $12.50 | $12.29 | x |
| 2016-12-31 | $12.43 | $12.29 | x |
| 2017-12-31 | $12.46 | $12.29 | x |
| 2018-12-31 | $13.23 | $12.29 | x |
| 2019-12-31 | $14.45 | $12.29 | x |
| 2020-12-31 | $15.24 | $12.29 | x |
| 2021-12-31 | $14.26 | $12.29 | x |
| 2022-12-31 | $7.39 | $12.29 | x |
| 2023-12-31 | $8.04 | $12.29 | x |
| 2024-12-31 | $9.48 | $12.29 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Juniata Valley Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.13%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.66%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 17.89x
- Recent ROE (13.13%) is above the historical average (9.98%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2010 | 9.83% | 19.27% | 0.06x | 8.72x | $-82.60K |
| 2011 | 9.41% | 19.47% | 0.05x | 9.00x | $-292.00K |
| 2012 | 7.25% | 16.06% | 0.05x | 8.92x | $-1.38 Million |
| 2013 | 8.00% | 22.67% | 0.04x | 8.98x | $-997.40K |
| 2014 | 8.46% | 22.49% | 0.04x | 9.64x | $-769.60K |
| 2015 | 5.10% | 15.81% | 0.03x | 9.74x | $-2.94 Million |
| 2016 | 8.73% | 22.18% | 0.04x | 9.82x | $-753.00K |
| 2017 | 7.64% | 19.18% | 0.04x | 9.97x | $-1.40 Million |
| 2018 | 8.76% | 23.80% | 0.04x | 9.28x | $-833.80K |
| 2019 | 7.92% | 22.56% | 0.04x | 9.10x | $-1.54 Million |
| 2020 | 7.31% | 22.55% | 0.03x | 10.36x | $-2.06 Million |
| 2021 | 9.26% | 24.87% | 0.03x | 11.37x | $-525.00K |
| 2022 | 22.52% | 28.79% | 0.03x | 22.49x | $4.63 Million |
| 2023 | 16.43% | 23.53% | 0.03x | 21.69x | $2.58 Million |
| 2024 | 13.13% | 21.66% | 0.03x | 17.89x | $1.48 Million |
Industry Comparison
This section compares Juniata Valley Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Juniata Valley Financial Corp (JUVF) | $55.00 Million | 9.83% | 15.01x | $60.35 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |