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Juniata Valley Financial (Juniata Valley Financial) Cyclically Adjusted PB Ratio : 0.85 (As of Jun. 09, 2024)


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What is Juniata Valley Financial Cyclically Adjusted PB Ratio?

As of today (2024-06-09), Juniata Valley Financial's current share price is $12.56. Juniata Valley Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 was $14.77. Juniata Valley Financial's Cyclically Adjusted PB Ratio for today is 0.85.

The historical rank and industry rank for Juniata Valley Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

JUVF' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.69   Med: 1.43   Max: 1.74
Current: 0.85

During the past years, Juniata Valley Financial's highest Cyclically Adjusted PB Ratio was 1.74. The lowest was 0.69. And the median was 1.43.

JUVF's Cyclically Adjusted PB Ratio is ranked better than
54.61% of 1194 companies
in the Banks industry
Industry Median: 0.91 vs JUVF: 0.85

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Juniata Valley Financial's adjusted book value per share data for the three months ended in Mar. 2024 was $8.296. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $14.77 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Juniata Valley Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Juniata Valley Financial's Cyclically Adjusted PB Ratio can be seen below:

* 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.

* Premium members only.

Juniata Valley Financial Cyclically Adjusted PB Ratio Chart

Juniata Valley Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.45 1.29 1.12 1.07 0.89

Juniata Valley Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.00 0.97 0.85 0.89 0.84

Competitive Comparison of Juniata Valley Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Juniata Valley Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Juniata Valley Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Juniata Valley Financial's Cyclically Adjusted PB Ratio falls into.



Juniata Valley Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Juniata Valley Financial's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=12.56/14.77
=0.85

* 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.

Juniata Valley Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Juniata Valley Financial's adjusted Book Value per Share data for the three months ended in Mar. 2024 was:

Adj_Book=Book Value per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=8.296/131.7762*131.7762
=8.296

Current CPI (Mar. 2024) = 131.7762.

Juniata Valley Financial Quarterly Data

Book Value per Share CPI Adj_Book
201406 12.182 100.560 15.964
201409 12.132 100.428 15.919
201412 11.906 99.070 15.837
201503 12.058 99.621 15.950
201506 11.956 100.684 15.648
201509 12.076 100.392 15.851
201512 12.497 99.792 16.502
201603 12.801 100.470 16.790
201606 12.882 101.688 16.694
201609 12.937 101.861 16.736
201612 12.425 101.863 16.074
201703 12.482 102.862 15.991
201706 12.638 103.349 16.114
201709 12.679 104.136 16.044
201712 12.456 104.011 15.781
201803 12.152 105.290 15.209
201806 12.695 106.317 15.735
201809 12.836 106.507 15.881
201812 13.232 105.998 16.450
201903 13.567 107.251 16.669
201906 14.211 108.070 17.328
201909 14.446 108.329 17.573
201912 14.453 108.420 17.566
202003 15.188 108.902 18.378
202006 15.118 108.767 18.316
202009 15.249 109.815 18.299
202012 15.242 109.897 18.277
202103 14.495 111.754 17.092
202106 14.750 114.631 16.956
202109 14.621 115.734 16.648
202112 14.291 117.630 16.010
202203 11.348 121.301 12.328
202206 9.279 125.017 9.781
202209 6.977 125.227 7.342
202212 7.134 125.222 7.507
202303 7.485 127.348 7.745
202306 7.373 128.729 7.548
202309 7.599 129.860 7.711
202312 8.042 129.419 8.188
202403 8.296 131.776 8.296

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Juniata Valley Financial  (OTCPK:JUVF) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Juniata Valley Financial Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Juniata Valley Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Juniata Valley Financial (Juniata Valley Financial) Business Description

Traded in Other Exchanges
N/A
Address
Bridge and Main Streets, PO Box 66, Mifflintown, PA, USA, 17059-0066
Juniata Valley Financial Corp provides financial services. The firm offers banking services such as personal checking, personal savings, online banking, mobile banking, personal loans, business loans, and other banking services. The bank generates its revenue in the form of interest income. It offers a full range of consumer and commercial banking services. Consumer banking services include online account opening; online banking; mobile banking; personal checking accounts; checking overdraft privileges; savings accounts; debit cards; certificates of deposit; individual retirement accounts, among others. Commercial banking services include low and high-volume business checking accounts; online account management services; remote deposit capability; ACH origination; payroll direct deposit.
Executives
Martin L Dreibelbis director
Steven C. Sliver director 6415 MARGY DRIVE, HUNTINGDON PA 16652
Scarnati Joseph B. Iii director 978 EVERGREEN ST., BROCKWAY PA 15824
Christina Calkins-mazur director 119 GRAND PARKWAY NORTH, LEWISTOWN PA 17044
Marcie A Barber officer: SVP Community Office Div. Mgr. 137 OAKRIDGE ROAD, LEWISTOWN PA 17044
Bradley J. Wagner director 1344 MASTERSONVILLE ROAD, MANHEIM PA 17545
Michael W. Wolf officer: SVP/CFO 218 BRIDGE STREET, PO BOX 66, MIFFLINTOWN PA 17059
Timothy I Havice director
Michael A. Buffington director 126 ELECTRIC AVENUE, LEWISTOWN PA 17044
Gary E Kelsey director PO BOX 590, COUDERSPORT PA 16915
Joann Mcminn officer: Chief Financial Officer PO BOX 66, BRIDGE & MAIN STREET, MIFFLINTOWN PA 17059
Gingerich Philip E Jr director
Douglas R Berry director 105 FOXFIRE LANE, LEWISBERRY PA 17339
A Jerome Cook director
Metz Robert K Jr director