Charles Hershberger - Juniata Valley Independent Director

JUVF Stock  USD 11.60  0.08  0.69%   

Director

Mr. Charles L. Hershberger is an Independent Director of Juniata Valley Financial Corporationration He graduated from both Frostburg State University, and the Pittsburgh Institute of Mortuary Science. The Rev. Hershberger was President and owner of Hoenstine Funeral Home, Inc. Lewistown, Pennsylvania. from 1987 to 2002, and is President of Stonewall Equity Inc. which serves as the General Partner of Stonewall Equity Limited Partnership. In 2008, The Rev. Hershberger was ordained to the Ministry of Word and Sacrament in the Evangelical Lutheran Church in America and currently serves as pastor of the Port Royal Evangelical Lutheran Parish, Port Royal and Nook, Pa. The Rev. Hershberger was a director of Lewistown Trust Co. . He was a director of the Company and the Bank since 1998. The Rev. Hershberger served as Chairman of the Audit Committee from 2006 through 2007 and is currently Chairman of the Trust Committee. The Rev. Hershberger serves as Secretary to the Board of Directors. since 1998.
Age 68
Tenure 26 years
Phone855 582 5101
Webhttps://www.JVBonline.com

Juniata Valley Management Efficiency

The company has return on total asset (ROA) of 0.0101 % which means that it generated a profit of $0.0101 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1537 %, meaning that it created $0.1537 on every $100 dollars invested by stockholders. Juniata Valley's management efficiency ratios could be used to measure how well Juniata Valley manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 20 M in liabilities with Debt to Equity (D/E) ratio of 8.74, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Juniata Valley until it has trouble settling it off, either with new capital or with free cash flow. So, Juniata Valley's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Juniata Valley Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Juniata to invest in growth at high rates of return. When we think about Juniata Valley's use of debt, we should always consider it together with cash and equity.

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Juniata Valley Financial Corp. operates as the bank holding company for The Juniata Valley Bank that provides retail and commercial banking services primarily to small and mid-sized businesses in central and northern Pennsylvania, the United States. Juniata Valley Financial Corp. was founded in 1867 and is headquartered in Mifflintown, Pennsylvania. Juniata Valley operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 123 people. Juniata Valley Financial [JUVF] is traded as part of a regulated electronic over-the-counter service offered by the NASD.

Management Performance

Juniata Valley Financial Leadership Team

Elected by the shareholders, the Juniata Valley's board of directors comprises two types of representatives: Juniata Valley inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Juniata. The board's role is to monitor Juniata Valley's management team and ensure that shareholders' interests are well served. Juniata Valley's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Juniata Valley's outside directors are responsible for providing unbiased perspectives on the board's policies.
JoAnn McMinn, CFO, Chief Accounting Officer, Executive VP and Treasurer
Jan Snedeker, Independent Director
Timothy Havice, Independent Vice Chairman of the Board
Michael Wolf, VP CFO
Marcie Barber, CEO and President Director, CEO of The Juniata Valley Bank and Director of The Juniata Valley Bank
Bradley Wagner, Director
Michael Buffington, Director
Martin Dreibelbis, Independent Director
Thomas Weldon, SVP Bank
Charles Hershberger, Independent Director
Philip Gingerich, Independent Chairman of the Board
Richard Scanlon, Independent Director
Gary Kelsey, Director
Brenda Brubaker, VP Bank

Juniata Stock Performance Indicators

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Please note, there is a significant difference between Juniata Valley's value and its price as these two are different measures arrived at by different means. Investors typically determine if Juniata Valley is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Juniata Valley's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.