Juniata Valley Financial (Juniata Valley Financial) Cash-to-Debt : 0.48 (As of Dec. 2023)

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What is Juniata Valley Financial Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Juniata Valley Financial's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.48.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Juniata Valley Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for Juniata Valley Financial's Cash-to-Debt or its related term are showing as below:

JUVF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16 Med: 0.25 Max: 0.72
Current: 0.17

During the past 13 years, Juniata Valley Financial's highest Cash to Debt Ratio was 0.72. The lowest was 0.16. And the median was 0.25.

JUVF's Cash-to-Debt is ranked worse than
89.61% of 1424 companies
in the Banks industry
Industry Median: 1.29 vs JUVF: 0.17

Juniata Valley Financial Cash-to-Debt Historical Data

The historical data trend for Juniata Valley Financial's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Juniata Valley Financial Cash-to-Debt Chart

Juniata Valley Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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0.27

0.59

0.71

0.16

0.48

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
Cash-to-Debt	Get a 7-Day Free Trial															0.22	0.28	0.58	0.48	0.17

Competitive Comparison of Juniata Valley Financial's Cash-to-Debt

For the Banks - Regional subindustry, Juniata Valley Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Juniata Valley Financial's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Juniata Valley Financial's Cash-to-Debt falls into.

Juniata Valley Financial Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Juniata Valley Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	28.93	/	(40	+	20)
	=	0.48

Juniata Valley Financial's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	28.93	/	(40	+	20)
	=	0.48

Juniata Valley Financial (OTCPK:JUVF) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Juniata Valley Financial Cash-to-Debt Related Terms

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

Juniata Valley Financial (Juniata Valley Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Juniata Valley Financial Corp (OTCPK:JUVF) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

Bridge and Main Streets, PO Box 66, Mifflintown, PA, USA, 17059-0066

Website

https://www.jvbonline.com

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