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Juniata Valley Financial (Juniata Valley Financial) E10 : $1.35 (As of Dec. 2023)


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What is Juniata Valley Financial E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Juniata Valley Financial's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.330. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.35 for the trailing ten years ended in Dec. 2023.

During the past 12 months, Juniata Valley Financial's average E10 Growth Rate was 4.70% per year. During the past 3 years, the average E10 Growth Rate was 7.40% per year. During the past 5 years, the average E10 Growth Rate was 4.60% per year. During the past 10 years, the average E10 Growth Rate was 1.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Juniata Valley Financial was 7.40% per year. The lowest was -19.40% per year. And the median was -0.90% per year.

As of today (2024-05-19), Juniata Valley Financial's current stock price is $11.48. Juniata Valley Financial's E10 for the quarter that ended in Dec. 2023 was $1.35. Juniata Valley Financial's Shiller PE Ratio of today is 8.50.

During the past 13 years, the highest Shiller PE Ratio of Juniata Valley Financial was 20.27. The lowest was 7.63. And the median was 15.52.


Juniata Valley Financial E10 Historical Data

The historical data trend for Juniata Valley Financial's E10 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 E10 Chart

Juniata Valley Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.10 1.09 1.16 1.29 1.35

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
E10 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 1.32 1.33 1.35 1.35 -

Competitive Comparison of Juniata Valley Financial's E10

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

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

* The bar in red indicates where Juniata Valley Financial's Shiller PE Ratio falls into.



Juniata Valley Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Juniata Valley Financial's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.33/129.4194*129.4194
=0.330

Current CPI (Dec. 2023) = 129.4194.

Juniata Valley Financial Quarterly Data

per share eps CPI Adj_EPS
201403 0.220 99.695 0.286
201406 0.280 100.560 0.360
201409 0.250 100.428 0.322
201412 0.260 99.070 0.340
201503 0.220 99.621 0.286
201506 0.240 100.684 0.308
201509 0.240 100.392 0.309
201512 0.020 99.792 0.026
201603 0.270 100.470 0.348
201606 0.230 101.688 0.293
201609 0.300 101.861 0.381
201612 0.270 101.863 0.343
201703 0.310 102.862 0.390
201706 0.270 103.349 0.338
201709 0.250 104.136 0.311
201712 0.120 104.011 0.149
201803 0.280 105.290 0.344
201806 0.390 106.317 0.475
201809 0.270 106.507 0.328
201812 0.240 105.998 0.293
201903 0.280 107.251 0.338
201906 0.360 108.070 0.431
201909 0.210 108.329 0.251
201912 0.290 108.420 0.346
202003 0.200 108.902 0.238
202006 0.310 108.767 0.369
202009 0.320 109.815 0.377
202012 0.270 109.897 0.318
202103 0.330 111.754 0.382
202106 0.350 114.631 0.395
202109 0.380 115.734 0.425
202112 0.270 117.630 0.297
202203 0.420 121.301 0.448
202206 0.400 125.017 0.414
202209 0.420 125.227 0.434
202212 0.420 125.222 0.434
202303 0.350 127.348 0.356
202306 0.280 128.729 0.282
202309 0.360 129.860 0.359
202312 0.330 129.419 0.330

Add all the adjusted EPS together and divide 10 will get our e10.


Juniata Valley Financial  (OTCPK:JUVF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Juniata Valley Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=11.48/1.35
=8.50

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Juniata Valley Financial was 20.27. The lowest was 7.63. And the median was 15.52.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Juniata Valley Financial E10 Related Terms

Thank you for viewing the detailed overview of Juniata Valley Financial's E10 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