What is Juniata Valley Finl Corp's earnings per share (EPS)?

Juniata Valley Finl Corp (JUVF) reported diluted earnings per share of $1.59 for fiscal year 2025. This represents a 28.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Juniata Valley Finl Corp Financials

JUVF

Source SEC Filings (10-K/10-Q) Updated Mar 25, 2026 Currency USD FYE March

This page shows Juniata Valley Finl Corp (JUVF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Earnings Quality Cash-Backed

1.27x

For every $1 of reported earnings, Juniata Valley Finl Corp generates $1.27 in operating cash flow ($10.1M OCF vs $8.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$31.1M

YoY-16.1%

5Y CAGR+5.1%

10Y CAGR+6.0%

Juniata Valley Finl Corp generated $31.1M in revenue in fiscal year 2025. This represents a decrease of 16.1% from the prior year.

EBITDA

N/A

Net Income

$8.0M

YoY+28.2%

5Y CAGR+7.3%

10Y CAGR+10.1%

Juniata Valley Finl Corp reported $8.0M in net income in fiscal year 2025. This represents an increase of 28.2% from the prior year.

EPS (Diluted)

$1.59

YoY+28.2%

5Y CAGR+7.6%

10Y CAGR+8.2%

Juniata Valley Finl Corp earned $1.59 per diluted share (EPS) in fiscal year 2025. This represents an increase of 28.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

N/A

Dividends Per Share

$0.88

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+0.0%

Juniata Valley Finl Corp paid $0.88 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+0.6%

5Y CAGR+0.0%

10Y CAGR+0.5%

Juniata Valley Finl Corp had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.7%

YoY+8.9pp

5Y CAGR+2.6pp

10Y CAGR+8.1pp

Juniata Valley Finl Corp's net profit margin was 25.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.9 percentage points from the prior year.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

$4K

YoY+33.3%

5Y CAGR-69.2%

10Y CAGR-24.1%

Juniata Valley Finl Corp spent $4K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 33.3% from the prior year.

Capital Expenditures

N/A

JUVF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$31.1M-16.1%	$37.1M+11.9%	$33.2M+20.4%	$27.6M+12.2%	$24.6M+1.1%	$24.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$11.3M	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$13.6M-4.0%	$14.2M+35.3%	$10.5M+206.5%	$3.4M+6.3%	$3.2M-20.3%	$4.0M
Income Tax	$1.4M+42.0%	$979K+0.9%	$970K+214.9%	$308K+8.5%	$284K+668.0%	-$50K
Net Income	$8.0M+28.2%	$6.2M-5.6%	$6.6M-6.6%	$7.1M+7.0%	$6.6M+17.9%	$5.6M
EPS (Diluted)	$1.59+28.2%	$1.24-5.3%	$1.31-7.1%	$1.41+6.8%	$1.32+20.0%	$1.10

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$8.1M+5.5%	$7.7M-16.7%	$9.2M-32.5%	$13.6M+88.0%	$7.2M-0.3%	$7.3M-19.4%	$9.0M+2.9%	$8.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.4M+2.5%	$3.4M-0.4%	$3.4M-4.5%	$3.5M-3.5%	$3.7M+3.6%	$3.5M+1.9%	$3.5M+9.0%	$3.2M
Income Tax	$357K+8.5%	$329K-11.3%	$371K+75.0%	$212K-21.5%	$270K-8.8%	$296K+47.3%	$201K-23.3%	$262K
Net Income	$2.1M+7.6%	$1.9M-4.8%	$2.0M+34.7%	$1.5M-8.9%	$1.6M-6.2%	$1.7M+28.9%	$1.4M-19.1%	$1.7M
EPS (Diluted)	$0.41+7.9%	$0.38-5.0%	$0.40	N/A	$0.33-5.7%	$0.35+29.6%	$0.27	N/A

JUVF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$848.9M-2.5%	$870.6M+4.9%	$829.6M+2.4%	$810.5M+2.1%	$793.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	$13.5M-67.5%	$41.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$9.8M0.0%	$9.8M+8.5%	$9.0M0.0%	$9.0M0.0%	$9.0M
Total Liabilities	N/A	$801.4M-3.5%	$830.4M+4.6%	$793.9M+7.4%	$739.2M+3.1%	$717.1M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$5.0M-75.0%	$20.0M0.0%	$20.0M0.0%	$20.0M-42.9%	$35.0M
Total Equity	N/A	$47.5M+18.2%	$40.1M+12.5%	$35.7M-49.9%	$71.3M-6.9%	$76.6M
Retained Earnings	N/A	$53.1M+3.6%	$51.3M+2.7%	$50.0M+5.6%	$47.3M+4.9%	$45.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$880.5M+1.6%	$866.4M+1.5%	$854.0M+0.6%	$848.9M-1.1%	$858.0M-0.5%	$862.7M-0.2%	$864.4M-0.7%	$870.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M
Total Liabilities	$825.5M+1.4%	$814.1M+1.3%	$803.8M+0.3%	$801.4M-1.2%	$811.4M-1.0%	$819.3M-0.4%	$822.9M-0.9%	$830.4M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$0	$0-100.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M-75.0%	$20.0M0.0%	$20.0M
Total Equity	$55.0M+5.0%	$52.4M+4.4%	$50.2M+5.8%	$47.5M+2.0%	$46.5M+7.4%	$43.3M+4.5%	$41.5M+3.4%	$40.1M
Retained Earnings	$55.8M+1.7%	$54.8M+1.5%	$54.0M+1.7%	$53.1M+0.7%	$52.7M+1.0%	$52.2M+1.3%	$51.6M+0.5%	$51.3M

JUVF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$10.1M+89.4%	$5.3M-32.2%	$7.9M-20.8%	$9.9M+12.1%	$8.9M+30.9%	$6.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$41.8M-636.7%	$7.8M+756.2%	-$1.2M+98.1%	-$62.7M-16.3%	-$53.9M+41.8%	-$92.5M
Financing Cash Flow	$32.1M+203.4%	-$31.1M-376.0%	$11.3M-77.6%	$50.2M+196.9%	$16.9M-85.2%	$114.7M
Dividends Paid	$4.4M+0.3%	$4.4M-0.1%	$4.4M+0.1%	$4.4M0.0%	$4.4M-1.4%	$4.5M
Share Buybacks	$4K+33.3%	$3K-99.1%	$324K+10700.0%	$3K-99.7%	$861K-40.7%	$1.5M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$4.5M+266.8%	$1.2M-42.2%	$2.1M+329.5%	$492K-75.4%	$2.0M-44.5%	$3.6M+570.8%	-$766K-121.7%	$3.5M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$14.3M-11.7%	-$12.8M-1101.2%	-$1.1M-113.1%	$8.1M+1.0%	$8.0M+936.0%	-$961K+87.0%	-$7.4M-29.3%	-$5.7M
Financing Cash Flow	$8.2M-19.6%	$10.2M+595.7%	$1.5M+115.3%	-$9.5M-5.5%	-$9.0M-75.8%	-$5.1M+29.8%	-$7.3M-318.3%	$3.4M
Dividends Paid	$1.1M-0.2%	$1.1M+0.5%	$1.1M-0.1%	$1.1M-0.1%	$1.1M+0.3%	$1.1M+0.1%	$1.1M-0.1%	$1.1M
Share Buybacks	$0	$0-100.0%	$4K	$0	$0	$0-100.0%	$3K-99.0%	$315K

JUVF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.7%+8.9pp	16.8%-3.1pp	19.9%-5.8pp	25.6%-1.3pp	26.9%+3.8pp	23.1%
Return on Equity	N/A	13.1%-3.3pp	16.4%-3.4pp	19.8%+10.5pp	9.3%+2.0pp	7.3%
Return on Assets	N/A	0.7%-0.0pp	0.8%-0.1pp	0.9%+0.0pp	0.8%+0.1pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	N/A	0.11-0.4	0.50-0.1	0.56+0.3	0.28-0.2	0.46
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.5%+0.5pp	25.0%+3.1pp	21.8%+10.9pp	10.9%-11.7pp	22.6%-1.4pp	24.1%+9.0pp	15.0%-4.1pp	19.1%
Return on Equity	3.7%+0.1pp	3.6%-0.4pp	4.0%+0.9pp	3.1%-0.4pp	3.5%-0.5pp	4.0%+0.8pp	3.3%-0.9pp	4.2%
Return on Assets	0.2%0.0pp	0.2%-0.0pp	0.2%+0.1pp	0.2%-0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.000.0	0.00-0.1	0.100.0	0.110.0	0.110.0	0.12-0.4	0.48-0.0	0.50
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Juniata Valley Finl Corp's annual revenue?

Juniata Valley Finl Corp (JUVF) reported $31.1M in total revenue for fiscal year 2025. This represents a -16.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Juniata Valley Finl Corp's revenue growing?

Juniata Valley Finl Corp (JUVF) revenue declined by 16.1% year-over-year, from $37.1M to $31.1M in fiscal year 2025.

Is Juniata Valley Finl Corp profitable?

Yes, Juniata Valley Finl Corp (JUVF) reported a net income of $8.0M in fiscal year 2025, with a net profit margin of 25.7%.

What is Juniata Valley Finl Corp's net profit margin?

Juniata Valley Finl Corp (JUVF) had a net profit margin of 25.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Juniata Valley Finl Corp pay dividends?

Yes, Juniata Valley Finl Corp (JUVF) paid $0.88 per share in dividends during fiscal year 2025.

What is Juniata Valley Finl Corp's operating cash flow?

Juniata Valley Finl Corp (JUVF) generated $10.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Does Juniata Valley Finl Corp buy back shares?

Yes, Juniata Valley Finl Corp (JUVF) spent $4K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Juniata Valley Finl Corp have outstanding?

Juniata Valley Finl Corp (JUVF) had 5M shares outstanding as of fiscal year 2025.

Are Juniata Valley Finl Corp's earnings high quality?

Juniata Valley Finl Corp (JUVF) has an earnings quality ratio of 1.27x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.