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Juniata Valley Financial Corp. (JUVF)

USD15.65 +0.05 (+0.32%)
US OTC Financial Services Banks - Regional
Address Bridge and Main Streets 17059-0066
Mifflintown, PA, US
CEO Marcie A. Barber
IPO 1999-03-17
CIK 714712 ISIN US4820161028

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Description

Juniata Valley Financial Corp. serves as the parent company for The Juniata Valley Bank, a financial institution primarily focused on delivering retail and commercial banking services. Its core client base includes small and medium-sized businesses operating across central and northern Pennsylvania, United States. The bank provides a diverse selection of deposit accounts, encompassing personal checking, club accounts, money market, savings, and individual retirement accounts (IRAs). For businesses, it offers checking accounts, payroll direct deposit, demand and time deposits, and certificates of deposit (CDs). Customers can access a wide spectrum of lending and credit solutions, such as checking overdraft privileges, secured lines of credit, construction and mortgage loans, both secured and unsecured commercial and consumer loans, commercial lines of credit, letters of credit, and various commercial term and demand loans. To enhance convenience and accessibility, Juniata Valley Bank features extensive digital and branch services. These include online, mobile, and telephone banking, automated teller machines (ATMs), online account management, remote deposit capture (with mobile deposit options tailored for small businesses), and ACH origination. Debit cards and safe deposit box rentals are also available. Beyond traditional banking, the corporation extends into specialized wealth management and advisory offerings. These services cover trust administration, asset management, and estate planning. Furthermore, clients can access a range of financial products, including annuities, mutual funds, stock and bond brokerage services, and long-term care insurance. As of December 31, 2021, Juniata Valley Financial Corp. maintained a network of 16 community branches located throughout Juniata, Mifflin, Perry, Huntingdon, McKean, Potter, and Centre counties. The company was established in 1867 and maintains its headquarters in Mifflintown, Pennsylvania.

Market Cap & Enterprise Value
Merger & Acquisition History
Target company Date Filing
JVB 1998-03-25 View
Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD15.65 +0.05 (+0.32%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.8K
Beta
0.16
Float Shares
4.92M
Free Float %
97.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.62% +0.21% -1.84% +3.01% +1.99% +2.71% +9.94% -7.23% -15.41% -18.06% +17.20%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
15.65
DCF (Unlevered) 3.50 -77.6%
DCF (Levered) 8.62 -44.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.25
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +4.2% Q1'26: +14.1% (vs Q1'25)
  • EPS growth
    +28.2% Q1'26: +40.0% (vs Q1'25)
  • FCF margin
    Q1'26: +21.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +27.9% (vs Q1'25)
  • ROIC
    Q1'26: +11.1% (vs Q1'25)
  • Share dilution
    +0.2% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 3.46× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.18) × ERP
WACC = 59% × Ke + 41% × Kd (26.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 3.50 Current price: 15.65
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-26 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-21 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-20 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-19 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-18 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-15 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-12 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-11 B 3/5 3/5 4/5 3/5 2/5 3/5 2/5
2026-05-08 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-07 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-06 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-04 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-01 B+ 3/5 3/5 4/5 4/5 2/5 4/5 2/5
2026-04-27 B+ 3/5 3/5 4/5 4/5 2/5 4/5 2/5
2026-04-24 B+ 3/5 3/5 4/5 4/5 2/5 4/5 2/5
2026-04-23 A- 4/5 3/5 4/5 4/5 2/5 4/5 3/5
2026-04-22 B- 3/5 3/5 4/5 4/5 2/5 1/5 1/5
2026-04-20 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
10.78M
OE per share TTM
2.15
Owner's Yield
14.93%
Maintenance CapEx ratio
3.65%
Maint CapEx / Avg PPE
24.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
9
Sells
0
Shares acquired
8.5K
Shares disposed
Cash buys
9.00
Cash sales
Net activity
+8,507
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2026-02-17 Wolf Michael W. Officer P-Purchase A Common Stock 2,585 0.00 12,315 D
2026-02-17 Sliver Steven C. Director P-Purchase A Common Stock 150 0.00 3,334 D
2026-02-17 Scarnati Joseph B. III Director P-Purchase A Common Stock 138 0.00 6,386 D
2026-02-17 Kelsey Gary E Director P-Purchase A Common Stock 144 0.00 15,740 D
2026-02-17 Henry John P. IV Director P-Purchase A Common Stock 83 0.00 1,983 D
2026-02-17 Dreibelbis Martin L Director P-Purchase A Common Stock 179 0.00 10,245 D
2026-02-17 Calkins-Mazur Christina Director P-Purchase A Common Stock 142 0.00 6,303 D
2026-02-17 Buffington Michael A. Director P-Purchase A Common Stock 141 0.00 4,359 D
2026-02-17 BARBER MARCIE A Officer P-Purchase A Common Stock 4,945 0.00 53,887 D
2025-08-22 Sliver Steven C. Director P-Purchase A Common Stock 1,300 13.98 18.2K 3,184 D
2025-06-25 Henry John P. IV Director Common Stock 0 0.00 1,000 D
2025-06-05 Henry John P. IV Director P-Purchase A Common Stock 100 12.86 1.3K 1,000 D
2025-04-28 Wolf Michael W. Officer P-Purchase A Common Stock 100 12.85 1.3K 9,730 D
2025-03-19 Sliver Steven C. Director P-Purchase A Common Stock 200 13.22 2.6K 1,884 D
2025-02-18 Wolf Michael W. Officer P-Purchase A Common Stock 2,350 0.00 9,630 D
2025-02-18 Wagner Bradley J. Director P-Purchase A Common Stock 112 0.00 2,957 D
2025-02-18 Sliver Steven C. Director P-Purchase A Common Stock 110 0.00 1,384 D
2025-02-18 Scarnati Joseph B. III Director P-Purchase A Common Stock 105 0.00 5,248 D
2025-02-18 Kelsey Gary E Director P-Purchase A Common Stock 107 0.00 15,596 D
2025-02-18 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 136 0.00 10,066 D
2025-02-18 Calkins-Mazur Christina Director P-Purchase A Common Stock 99 0.00 6,161 D
2025-02-18 Buffington Michael A. Director P-Purchase A Common Stock 106 0.00 4,218 D
2025-02-18 BARBER MARCIE A Officer P-Purchase A Common Stock 4,300 0.00 48,942 D
2024-11-27 Scarnati Joseph B. III Director P-Purchase A Common Stock 500 13.48 6.7K 5,143 D
2024-05-31 Wolf Michael W. Officer P-Purchase A Common Stock 100 12.01 1.2K 7,280
2024-05-09 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 1,000 10.94 10.9K 9,930
2024-04-29 Buffington Michael A. Director P-Purchase A Common Stock 500 11.90 6.0K 4,112
2024-02-27 Wolf Michael W. Officer P-Purchase A Common Stock 100 13.00 1.3K 7,180
2024-02-20 Wolf Michael W. Officer P-Purchase A Common Stock 1,700 0.00 7,080
2024-02-20 Wagner Bradley J. Director P-Purchase A Common Stock 93 0.00 2,845
2024-02-20 Sliver Steven C. Director P-Purchase A Common Stock 74 0.00 1,274
2024-02-20 Scarnati Joseph B. III Director P-Purchase A Common Stock 89 0.00 4,643
2024-02-20 Kelsey Gary E Director P-Purchase A Common Stock 98 0.00 15,489
2024-02-20 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 113 0.00 8,930
2024-02-20 Calkins-Mazur Christina Director P-Purchase A Common Stock 62 0.00 6,062
2024-02-20 Buffington Michael A. Director P-Purchase A Common Stock 99 0.00 3,612
2024-02-20 BARBER MARCIE A Officer P-Purchase A Common Stock 3,000 0.00 43,027
2024-02-06 Scarnati Joseph B. III Director P-Purchase A Common Stock 1,000 12.95 13.0K 6,143 D
2023-11-27 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 500 10.75 5.4K 8,817
2023-11-24 Sliver Steven C. Director P-Purchase A Common Stock 200 10.80 2.2K 1,200
2023-11-21 Scarnati Joseph B. III Director P-Purchase A Common Stock 1,000 10.50 10.5K 4,554
2023-11-17 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 500 11.25 5.6K 8,317
2023-11-17 Calkins-Mazur Christina Director P-Purchase A Common Stock 1,000 11.03 11.0K 6,000
2023-10-30 BARBER MARCIE A Officer P-Purchase A Common Stock 100 10.99 1.1K 40,027
2023-10-26 Wagner Bradley J. Director P-Purchase A Common Stock 53 11.74 622.22 2,752
2023-09-12 Calkins-Mazur Christina Director P-Purchase A Common Stock 1,000 13.50 13.5K 2,314
2023-09-08 BARBER MARCIE A Officer P-Purchase A Common Stock 1,000 14.68 14.7K 39,927
2023-08-17 Wolf Michael W. Officer P-Purchase A Common Stock 200 14.30 2.9K 3,674
2023-06-23 HAVICE TIMOTHY I Director P-Purchase A Common Stock 100 15.00 1.5K 63,440
2023-06-22 Scarnati Joseph B. III Director P-Purchase A Common Stock 500 14.95 7.5K 3,554
2023-06-21 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,948 15.15 29.5K 62,711
2023-06-21 Buffington Michael A. Director P-Purchase A Common Stock 700 15.00 10.5K 3,513
2023-06-20 HAVICE TIMOTHY I Director P-Purchase A Common Stock 275 15.15 4.2K 60,763
2023-06-16 HAVICE TIMOTHY I Director P-Purchase A Common Stock 2,000 15.15 30.3K 60,488
2023-06-01 Wolf Michael W. Officer P-Purchase A Common Stock 282 14.73 4.2K 3,474
2023-06-01 BARBER MARCIE A Officer P-Purchase A Common Stock 1,613 14.73 23.8K 38,927
2023-05-30 HAVICE TIMOTHY I Director P-Purchase A Common Stock 500 15.15 7.6K 58,488
2023-05-23 HAVICE TIMOTHY I Director P-Purchase A Common Stock 200 15.00 3.0K 57,988
2023-05-12 HAVICE TIMOTHY I Director P-Purchase A Common Stock 60 15.00 900.00 57,788
2023-05-08 HAVICE TIMOTHY I Director P-Purchase A Common Stock 200 15.00 3.0K 57,728
2023-05-05 HAVICE TIMOTHY I Director P-Purchase A Common Stock 817 15.00 12.3K 57,528
2023-05-04 HAVICE TIMOTHY I Director P-Purchase A Common Stock 577 15.00 8.7K 56,711
2023-05-03 HAVICE TIMOTHY I Director P-Purchase A Common Stock 978 15.00 14.7K 56,134
2023-05-02 HAVICE TIMOTHY I Director P-Purchase A Common Stock 552 15.00 8.3K 55,156
2023-05-01 HAVICE TIMOTHY I Director P-Purchase A Common Stock 2,080 15.00 31.2K 54,604
2023-04-28 HAVICE TIMOTHY I Director P-Purchase A Common Stock 920 15.00 13.8K 52,524
2023-03-23 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,100 15.50 17.1K 51,604
2023-03-21 Calkins-Mazur Christina Director D Common Stock 0 0.00 1,314
2023-03-17 HAVICE TIMOTHY I Director P-Purchase A Common Stock 150 15.50 2.3K 50,504
2023-03-16 HAVICE TIMOTHY I Director P-Purchase A Common Stock 2,600 15.50 40.3K 49,996
2023-03-13 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,700 15.50 26.4K 47,396
2023-03-10 Wolf Michael W. Officer P-Purchase A Common Stock 348 16.00 5.6K 3,192
2023-03-10 HAVICE TIMOTHY I Director P-Purchase A Common Stock 100 15.50 1.6K 45,696
2023-03-07 Wolf Michael W. Officer P-Purchase A Common Stock 302 16.00 4.8K 3,146
2023-02-23 Wagner Bradley J. Director P-Purchase A Common Stock 85 16.00 1.4K 2,699
2023-02-22 Scarnati Joseph B. III Director P-Purchase A Common Stock 550 16.00 8.8K 3,054
2023-02-21 Wolf Michael W. Officer P-Purchase A Common Stock 1,990 0.00 2,844
2023-02-21 Wagner Bradley J. Director P-Purchase A Common Stock 125 0.00 2,614
2023-02-21 Sliver Steven C. Director D Common Stock 0 0.00 1,000
2023-02-21 Scarnati Joseph B. III Director P-Purchase A Common Stock 54 0.00 2,304
2023-02-21 SCANLON RICHARD M Director P-Purchase A Common Stock 120 0.00 9,573
2023-02-21 Kelsey Gary E Director P-Purchase A Common Stock 114 0.00 15,391
2023-02-21 HAVICE TIMOTHY I Director P-Purchase A Common Stock 162 0.00 45,596
2023-02-21 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 126 0.00 7,817
2023-02-21 Buffington Michael A. Director P-Purchase A Common Stock 128 0.00 2,813
2023-02-21 BARBER MARCIE A Director / Officer P-Purchase A Common Stock 3,480 0.00 37,314
2023-02-01 HAVICE TIMOTHY I Director P-Purchase A Common Stock 4,563 15.48 70.6K 45,434
2022-12-15 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,399 15.50 21.7K 40,871
2022-12-13 Wolf Michael W. Officer P-Purchase A Common Stock 309 15.50 4.8K 854
2022-12-07 Scarnati Joseph B. III Director P-Purchase A Common Stock 500 15.50 7.8K 2,250
2022-12-07 HAVICE TIMOTHY I Director P-Purchase A Common Stock 282 15.25 4.3K 39,472
2022-11-30 HAVICE TIMOTHY I Director P-Purchase A Common Stock 750 16.20 12.2K 39,190
2022-11-17 Wolf Michael W. Officer P-Purchase A Common Stock 191 15.25 2.9K 545
2022-11-16 HAVICE TIMOTHY I Director P-Purchase A Common Stock 276 15.25 4.2K 38,440
2022-11-01 HAVICE TIMOTHY I Director P-Purchase A Common Stock 500 15.25 7.6K 38,164
2022-10-31 HAVICE TIMOTHY I Director P-Purchase A Common Stock 85 15.25 1.3K 37,664
2022-09-20 Scarnati Joseph B. III Director P-Purchase A Common Stock 250 15.25 3.8K 1,750
2022-09-20 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,550 15.25 23.6K 37,579
2022-09-16 Scarnati Joseph B. III Director P-Purchase A Common Stock 239 15.25 3.6K 1,500
2022-09-16 HAVICE TIMOTHY I Director P-Purchase A Common Stock 661 15.25 10.1K 36,029
2022-09-15 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,280 15.25 19.5K 35,368
2022-09-14 HAVICE TIMOTHY I Director P-Purchase A Common Stock 200 15.25 3.1K 34,088
2022-09-13 HAVICE TIMOTHY I Director P-Purchase A Common Stock 100 15.25 1.5K 33,888
2022-09-07 Wagner Bradley J. Director P-Purchase A Common Stock 45 15.86 713.70 2,489
2022-08-30 HAVICE TIMOTHY I Director P-Purchase A Common Stock 384 15.00 5.8K 33,788
2022-08-29 HAVICE TIMOTHY I Director P-Purchase A Common Stock 2,982 15.00 44.7K 33,404
2022-08-23 HAVICE TIMOTHY I Director P-Purchase A Common Stock 995 15.00 14.9K 30,422
2022-08-19 Wolf Michael W. Officer P-Purchase A Common Stock 354 15.75 5.6K 1,750
2022-08-11 Wolf Michael W. Officer P-Purchase A Common Stock 396 15.58 6.2K 1,396
2022-08-09 Wolf Michael W. Officer P-Purchase A Common Stock 100 15.25 1.5K 1,000
2022-08-03 HAVICE TIMOTHY I Director P-Purchase A Common Stock 701 15.00 10.5K 27,427
2022-08-02 HAVICE TIMOTHY I Director P-Purchase A Common Stock 609 15.00 9.1K 26,726
2022-07-29 HAVICE TIMOTHY I Director P-Purchase A Common Stock 200 15.00 3.0K 26,117
2022-07-26 HAVICE TIMOTHY I Director P-Purchase A Common Stock 100 15.00 1.5K 25,917
2022-06-21 Scarnati Joseph B. III Director D Common Stock 0 0.00 1,000
2022-06-08 Buffington Michael A. Director P-Purchase A Common Stock 500 15.50 7.8K 2,685
2022-06-01 Wolf Michael W. Officer D Common Stock 0 0.00 900
2022-06-01 MCMINN JOANN Officer P-Purchase A Common Stock 1,025 13.78 14.1K 17,498
2022-06-01 BARBER MARCIE A Director P-Purchase A Common Stock 1,723 13.78 23.7K 33,834
2022-05-31 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 200 14.51 2.9K 7,691
2022-05-10 Wagner Bradley J. Director P-Purchase A Common Stock 45 15.40 693.00 2,444
2022-04-29 BARBER MARCIE A Director P-Purchase A Common Stock 300 16.00 4.8K 32,111
2022-03-16 Wagner Bradley J. Director P-Purchase A Common Stock 50 16.60 830.00 2,399
2022-03-01 HAVICE TIMOTHY I Director P-Purchase A Common Stock 171 16.95 2.9K 25,817
2022-02-15 Wagner Bradley J. Director P-Purchase A Common Stock 121 0.00 2,349
2022-02-15 SCANLON RICHARD M Director P-Purchase A Common Stock 118 0.00 9,453
2022-02-15 MCMINN JOANN Director P-Purchase A Common Stock 1,760 0.00 16,473
2022-02-15 Kelsey Gary E Director P-Purchase A Common Stock 110 0.00 15,277
2022-02-15 HAVICE TIMOTHY I Director P-Purchase A Common Stock 157 0.00 25,121
2022-02-15 GINGERICH PHILIP E JR Director P-Purchase A Common Stock 122 0.00 24,069
2022-02-15 DREIBELBIS MARTIN L Director P-Purchase A Common Stock 113 0.00 7,491
2022-02-15 Buffington Michael A. Director P-Purchase A Common Stock 120 0.00 2,185
2022-02-15 BARBER MARCIE A Director P-Purchase A Common Stock 2,850 0.00 31,811
2022-02-07 Wagner Bradley J. Director P-Purchase A Common Stock 100 16.25 1.6K 2,166
2022-02-04 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,496 16.30 24.4K 24,964
2021-08-04 Wagner Bradley J. Director P-Purchase A Common Stock 62 16.60 1.0K 2,128
2021-05-18 Wagner Bradley J. Director P-Purchase A Common Stock 60 16.88 1.0K 2,066
2021-05-14 MCMINN JOANN Officer P-Purchase A Common Stock 1,358 15.82 21.5K 14,713
2021-05-14 BARBER MARCIE A Director P-Purchase A Common Stock 1,501 15.82 23.7K 28,961
2021-05-04 Buffington Michael A. Director P-Purchase A Common Stock 550 16.25 8.9K 2,065
2021-03-15 Wagner Bradley J. Director P-Purchase A Common Stock 31 17.50 542.50 2,006
2021-02-16 Wagner Bradley J. Director A-Award A Common Stock 85 0.00 1,975
2021-02-16 SCANLON RICHARD M Director A-Award A Common Stock 85 0.00 9,425
2021-02-16 MCMINN JOANN Officer A-Award A Common Stock 1,560 0.00 13,355
2021-02-16 Kelsey Gary E Director A-Award A Common Stock 81 0.00 15,167
2021-02-16 HAVICE TIMOTHY I Director A-Award A Common Stock 113 0.00 23,468
2021-02-16 GINGERICH PHILIP E JR Director A-Award A Common Stock 90 0.00 23,947
2021-02-16 DREIBELBIS MARTIN L Director A-Award A Common Stock 81 0.00 7,378
2021-02-16 Buffington Michael A. Director A-Award A Common Stock 84 0.00 1,515
2021-02-16 BARBER MARCIE A Director A-Award A Common Stock 2,560 0.00 27,460
2020-11-17 Wagner Bradley J. Director P-Purchase A Common Stock 60 17.89 1.1K 1,890
2020-09-18 Kelsey Gary E Director P-Purchase A Common Stock 2,100 17.35 36.4K 15,086
2020-09-16 Wagner Bradley J. Director P-Purchase A Common Stock 31 17.40 539.40 1,797
2020-06-22 HAVICE TIMOTHY I Director P-Purchase A Common Stock 1,000 16.55 16.6K 23,355
2020-06-16 Buffington Michael A. Director P-Purchase A Common Stock 390 17.00 6.6K 1,431
2020-05-12 Wagner Bradley J. Director P-Purchase A Common Stock 50 16.80 840.00 1,766
2020-03-24 Wagner Bradley J. Director P-Purchase A Common Stock 13 12.50 162.50 1,716
2020-03-23 Wagner Bradley J. Director P-Purchase A Common Stock 59 12.99 766.41 1,703
2020-03-23 Buffington Michael A. Director P-Purchase A Common Stock 335 12.99 4.4K 956
2020-03-23 BARBER MARCIE A Director / Officer P-Purchase A Common Stock 500 12.99 6.5K 24,900
2020-03-20 Kelsey Gary E Director P-Purchase A Common Stock 3,000 12.40 37.2K 9,286
2020-03-19 BARBER MARCIE A Director / Officer P-Purchase A Common Stock 500 12.00 6.0K 24,400
2020-03-18 Buffington Michael A. Director P-Purchase A Common Stock 85 14.01 1.2K 1,041
2020-03-12 Wagner Bradley J. Director P-Purchase A Common Stock 55 16.50 907.50 1,644
2020-02-24 Kelsey Gary E Director A-Award A Common Stock 86 0.00 5,086
2020-02-20 MCMINN JOANN Officer A-Award A Common Stock 1,600 0.00 11,795
2020-02-20 BARBER MARCIE A Director A-Award A Common Stock 2,600 0.00 23,900
2020-02-19 Wagner Bradley J. Director A-Award A Common Stock 90 0.00 1,589
2020-02-19 SCANLON RICHARD M Director A-Award A Common Stock 88 0.00 9,340
2020-02-19 Kelsey Gary E Director A-Award A Common Stock 86 0.00 5,086
2020-02-19 HAVICE TIMOTHY I Director A-Award A Common Stock 122 0.00 22,355
2020-02-19 GINGERICH PHILIP E JR Director A-Award A Common Stock 93 0.00 23,857
2020-02-19 DREIBELBIS MARTIN L Director A-Award A Common Stock 85 0.00 7,297
2020-02-19 Buffington Michael A. Director A-Award A Common Stock 91 0.00 621
2020-02-07 Wagner Bradley J. Director P-Purchase A Common Stock 80 19.45 1.6K 1,371
2020-02-05 HAVICE TIMOTHY I Director P-Purchase A Common Stock 100 19.51 2.0K 20,796
2019-11-19 Wagner Bradley J. Director P-Purchase A Common Stock 101 19.75 2.0K 1,291
2019-11-15 Wagner Bradley J. Director P-Purchase A Common Stock 50 20.00 1.0K 1,190
2019-10-30 Wagner Bradley J. Director P-Purchase A Common Stock 99 20.00 2.0K 1,140
2019-08-09 Wagner Bradley J. Director P-Purchase A Common Stock 55 20.35 1.1K 1,041
2019-06-21 Kelsey Gary E Director P-Purchase A Common Stock 1,419 20.75 29.4K 5,000
2019-06-14 Wagner Bradley J. Director P-Purchase A Common Stock 9 20.75 186.75 179
2019-05-20 Wagner Bradley J. Director P-Purchase A Common Stock 39 20.40 795.60 172
2019-05-01 BARBER MARCIE A Director M-Exempt D Common Stock 1,500 17.75 26.6K 31,773
2019-04-26 MCMINN JOANN Officer M-Exempt D Common Stock 1,500 17.65 26.5K 24,700
2019-02-21 Wagner Bradley J. Director P-Purchase A Common Stock 29 20.50 594.50 133
2019-02-20 MCMINN JOANN Officer A-Award A Common Stock 1,400 0.00 8,695
2019-02-20 BARBER MARCIE A Director A-Award A Common Stock 2,300 0.00 19,800
2019-02-14 Wagner Bradley J. Director P-Purchase A Common Stock 27 22.00 594.00 104
2018-05-29 Wagner Bradley J. Director P-Purchase A Common Stock 77 20.80 1.6K 253
2018-05-11 BARBER MARCIE A Director M-Exempt D Common Stock 1,000 17.65 17.7K 33,273
2018-05-10 MCMINN JOANN Officer M-Exempt D Common Stock 2,170 17.22 37.4K 26,200
2018-02-27 Wagner Bradley J. Director P-Purchase A Common Stock 48 20.35 976.80 176
2018-02-20 MCMINN JOANN Officer A-Award A Common Stock 920 0.00 5,125
2018-02-20 BARBER MARCIE A Director A-Award A Common Stock 1,600 0.00 16,500
2018-02-14 BARBER MARCIE A Director M-Exempt A Common Stock 2,000 17.65 35.3K 14,900
2017-12-14 HERSHBERGER CHARLES L Director S-Sale D Common Stock 500 20.20 10.1K 500
2017-08-08 Buffington Michael A. Director P-Purchase A Common Stock 120 19.00 2.3K 530
2017-06-13 Kelsey Gary E Director D Common Stock 0 0.00 2,781
2017-06-13 Buffington Michael A. Director D Common Stock 0 0.00 260

Executive team

Top executives
EBIT / Employee
81.5K
Shares Outstanding
5.03M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Marcie A. Barber President and Chief Executive Officer 432.6K 56.9K 129.8K 35.0K 654.3K 8.70%
2 2025 Michael W. Wolf, Executive Vice President and Chief Financial Officer 265.5K 31.1K 63.7K 25.1K 385.4K 8.07%
3 2024 Marcie A. Barber President and Chief Executive Officer 392.8K 37.1K 81.5K 33.6K 544.9K 6.80%
4 2024 Michael W. Wolf, Executive Vice President and Chief Financial Officer 243.4K 21.0K 40.5K 21.7K 326.5K 6.43%
5 2023 Marcie A. Barber President and Chief Executive Officer 370.6K 56.6K 68.9K 32.2K 528.3K 10.70%
6 2023 Michael W. Wolf, Executive Vice President and Chief Financial Officer 231.8K 32.3K 39.8K 19.4K 323.3K 10.00%
7 2022 Marcie A. Barber President and Chief Executive Officer 349.6K 45.3K 89.2K 29.5K 532.5K 8.51%
8 2022 Michael W. Wolf, Executive Vice President and Chief Financial Officer 221.3K 8.0K 39.8K 11.1K 280.1K 2.84%
9 2022 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 119.7K 28.0K 20.1K 17.4K 185.1K 15.11%
10 2021 Marcie A. Barber President and Chief Executive Officer 330.4K 42.4K 99.1K 27.7K 517.4K 8.19%
11 2021 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 219.9K 25.8K 52.8K 23.7K 322.1K 8.02%
12 2020 Marcie A. Barber President and Chief Executive Officer 311.5K 50.1K 70.6K 26.6K 475.6K 10.52%
13 2020 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 210.4K 30.8K 38.2K 23.2K 302.5K 10.18%
14 2019 Marcie A. Barber President and Chief Executive Officer 294.2K 46.0K 85.1K 25.0K 466.0K 9.87%
15 2019 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 201.7K 28.0K 46.7K 21.3K 297.6K 9.41%
16 2018 Marcie A. Barber President and Chief Executive Officer 269.9K 31.7K 75.3K 23.2K 408.6K 7.75%
17 2018 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 191.7K 18.2K 42.8K 18.8K 275.2K 6.62%
18 2017 Marcie A. Barber President and Chief Executive Officer 251.9K 27.8K 52.3K 45.8K 377.8K 7.35%
19 2017 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 182.9K 14.8K 30.4K 46.3K 274.4K 5.40%
20 2016 Marcie A. Barber President and Chief Executive Officer 236.4K 15.0K 17.5K 47.3K 39.8K 355.9K 4.91%
21 2016 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 173.0K 12.5K 8.7K 27.7K 41.8K 263.8K 3.31%
22 2015 Marcie A. Barber President and Chief Executive Officer 221.8K 20.9K 32.2K 29.2K 304.1K 6.88%
23 2015 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 165.1K 12.7K 19.7K 30.7K 228.3K 5.58%
24 2014 Marcie A. Barber President and Chief Executive Officer 217.7K 19.6K 47.9K 58.1K 343.3K 5.72%
25 2014 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 165.3K 13.0K 29.1K 63.5K 270.9K 4.78%
26 2013 Marcie A. Barber President and Chief Executive Officer 197.8K 11.7K 51.9K 16.2K 277.6K 4.22%
27 2013 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 151.4K 8.6K 31.7K 23.9K 215.5K 3.98%
28 2012 Marcie A. Barber President and Chief Executive Officer 187.1K 500.00 10.9K 48.3K 246.8K 4.41%
29 2012 (Effective July 2010) JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 143.5K 500.00 7.9K 48.3K 200.2K 3.95%
30 2012 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 143.5K 500.00 7.9K 48.3K 200.2K 3.95%
31 2011 Marcie A. Barber President and Chief Executive Officer 177.2K 25.5K 9.6K 37.2K 249.4K 3.83%
32 2011 Marcie A. Barber President and Chief Executive Officer (Effective July 2010) 177.2K 25.5K 9.6K 37.2K 249.4K 3.83%
33 2011 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 135.9K 19.0K 7.6K 46.6K 209.1K 3.65%
34 2011 (Effective July 2010) JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 135.9K 19.0K 7.6K 46.6K 209.1K 3.65%
35 2010 Marcie A. Barber President and Chief Executive Officer 150.2K 500.00 24.7K 175.4K 0.00%
36 2010 Marcie A. Barber President and Chief Executive Officer (Effective July 2010) 150.2K 500.00 24.7K 175.4K 0.00%
37 2010 Francis J. Evanitsky, President and Chief Executive Officer (Retired July 2010) 112.0K 56.8K 168.8K 0.00%
38 2010 (Effective July 2010) JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 129.2K 5.5K 30.3K 165.0K 0.00%
39 2010 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 129.2K 5.5K 30.3K 165.0K 0.00%
40 2010 JoAnn N. McMinn, Senior Vice President and Chief Financial Officer 129.2K 5.5K 30.3K 165.0K 0.00%
41 2009 Francis J. Evanitsky, President and Chief Executive Officer (Retired July 2010) 205.8K 500.00 16.6K 67.9K 290.8K 5.71%
42 2009 Francis J. Evanitsky, President and Chief Executive Officer 205.8K 500.00 16.6K 67.9K 290.8K 5.71%
43 2009 Marcie A. Barber Senior Vice President, Chief Operations Officer 131.3K 500.00 8.5K 21.1K 161.4K 5.27%
44 2009 Marcie A. Barber President and Chief Executive Officer (Effective July 2010) 131.3K 500.00 8.5K 21.1K 161.4K 5.27%
45 2009 JoAnn N. McMinn, Executive Vice President and Chief Financial Officer 125.1K 500.00 7.1K 28.5K 161.2K 4.39%
46 2009 JoAnn N. McMinn, Senior Vice President and Chief Financial Officer 125.1K 500.00 7.1K 28.5K 161.2K 4.39%
47 2008 Francis J. Evanitsky, President and Chief Executive Officer (Retired July 2010) 197.3K 500.00 16.0K 48.0K 81.6K 343.5K 4.65%
48 2008 Francis J. Evanitsky, President and Chief Executive Officer 197.3K 500.00 16.0K 48.0K 81.6K 343.5K 4.65%
49 2008 JoAnn N. McMinn, Senior Vice President and Chief Financial Officer 120.1K 500.00 6.8K 23.0K 26.6K 177.1K 3.84%
50 2008 Marcie A. Barber Senior Vice President, Chief Operations Officer 124.8K 500.00 8.1K 23.0K 17.9K 174.3K 4.64%
51 2008 Marcie A. Barber President and Chief Executive Officer (Effective July 2010) 124.8K 500.00 8.1K 23.0K 17.9K 174.3K 4.64%
52 2007 Francis J. Evanitsky, President and Chief Executive Officer 185.9K 485.00 18.6K 44.0K 104.3K 353.3K 5.26%
53 2007 JoAnn N. McMinn, Senior Vice President and Chief Financial Officer 114.7K 485.00 8.0K 21.0K 11.3K 155.5K 5.13%
54 2007 Marcie A. Barber Senior Vice President, Chief Operations Officer 105.3K 485.00 9.4K 17.0K 7.3K 139.5K 6.73%
55 2006 Francis J. Evanitsky, President and Chief Executive Officer 172.5K 485.00 14.5K 22.6K 103.4K 313.4K 4.61%
56 2006 Judy R. Aumiller Senior Vice President, Operations and Technology Division 83.6K 485.00 4.9K 2.8K 49.6K 141.5K 3.47%
57 2006 JoAnn N. McMinn, Senior Vice President and Chief Financial Officer 108.8K 485.00 1.8K 7.5K 9.0K 127.6K 1.38%
58 2006 Edward L. Kauffman Senior Vice President, Loan Division 86.2K 485.00 4.8K 3.3K 25.9K 120.6K 3.94%
59 2006 Marcie A. Barber Senior Vice President, Chief Operations Officer 5.9K 15.0K 20.9K 0.00%
60 2005 Francis J. Evanitsky, President and Chief Executive Officer 164.7K 485.00 13.2K 109.9K 288.3K 4.58%
61 2005 Francis J. Evanitsky, President and CEO 164.7K 485.00 3.5K 69.4K 238.0K 1.46%
62 2005 Judy R. Aumiller Senior Vice President, Operations and Technology Division 79.7K 485.00 4.4K 52.5K 137.1K 3.20%
63 2005 Edward L. Kauffman Senior Vice President, Loan Division 82.1K 485.00 3.7K 24.5K 110.8K 3.34%
64 2005 JoAnn N. McMinn, Senior Vice President and Chief Financial Officer 36.3K 5.0K 294.00 41.6K 0.71%
65 2004 Francis J. Evanitsky, President and Chief Executive Officer 158.4K 485.00 13.4K 38.0K 98.5K 308.7K 4.34%
66 2004 Francis J. Evanitsky, President and CEO 158.4K 38.5K 4.0K 64.6K 265.3K 1.49%
67 2004 Judy R. Aumiller Senior Vice President, Operations and Technology Division 76.1K 485.00 4.4K 1.9K 51.7K 134.7K 3.30%
68 2004 Edward L. Kauffman Senior Vice President, Loan Division 78.5K 485.00 2.9K 2.0K 25.5K 109.4K 2.63%
69 2003 Francis J. Evanitsky, President and CEO 151.5K 2.1K 5.1K 59.9K 218.5K 2.32%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-03-26 DEF 14A
2025-03-27 DEF 14A
2024-03-22 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-20 8-K
2026-05-19 8-K
2026-05-13 10-Q
2026-04-22 8-K
2026-03-26 DEF 14A
2026-03-25 10-K
2026-02-18 4
2026-02-18 4
2026-02-18 4
2026-02-18 4

Executive team

NameTitleCompensationGender
Marcie A. Barber President, Chief Executive Officer & Director 597.4K female
Michael W. Wolf Chief Financial Officer, Executive Vice President, Treasurer & Secretary 354.3K male
Thomas Weldon SVP of Trust & Investment Management Division Manager at Juniata Valley Bank male
ESG Rating
B+
BANKS - REGIONAL
Rank: 52 out of 431
2016
E (Environmental)
65.2 / 64.3
Company / Sector avg.
S (Social)
70.5 / 76.5
Company / Sector avg.
G (Governance)
67.8 / 75.5
Company / Sector avg.
ESG Total
67.8 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits