Juniata Valley Finl Corp Financials

JUVF

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Piotroski F-Score Neutral

4/9

Juniata Valley Finl Corp passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.86x

For every $1 of reported earnings, Juniata Valley Finl Corp generates $0.86 in operating cash flow ($5.3M OCF vs $6.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

This page shows Juniata Valley Finl Corp (JUVF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).

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Key Financial Metrics

Revenue

$37.1M

YoY+11.9%

5Y CAGR+7.7%

10Y CAGR+8.2%

Juniata Valley Finl Corp generated $37.1M in revenue in fiscal year 2024. This represents an increase of 11.9% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$6.2M

YoY-5.6%

5Y CAGR+1.3%

10Y CAGR+4.0%

Juniata Valley Finl Corp reported $6.2M in net income in fiscal year 2024. This represents a decrease of 5.6% from the prior year.

EPS (Diluted)

$1.24

YoY-5.3%

5Y CAGR+1.7%

10Y CAGR+2.1%

Juniata Valley Finl Corp earned $1.24 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 5.3% from the prior year.

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 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+0.2%

5Y CAGR-0.4%

10Y CAGR+1.8%

Juniata Valley Finl Corp had 5M shares outstanding in fiscal year 2024. This represents an increase of 0.2% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.8%

YoY-3.1pp

5Y CAGR-6.0pp

10Y CAGR-8.1pp

Juniata Valley Finl Corp's net profit margin was 16.8% in fiscal year 2024, showing the share of revenue converted to profit. This is down 3.1 percentage points from the prior year.

Return on Equity

13.1%

YoY-3.3pp

5Y CAGR+5.2pp

10Y CAGR+4.7pp

Juniata Valley Finl Corp's ROE was 13.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$3K

YoY-99.1%

5Y CAGR-62.9%

10Y CAGR-35.0%

Juniata Valley Finl Corp spent $3K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.1% from the prior year.

Capital Expenditures

N/A

JUVF Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$37.1M+11.9%	$33.2M+20.4%	$27.6M+12.2%	$24.6M+1.1%	$24.3M-5.2%	$25.6M
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	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
Interest Expense	$14.2M+35.3%	$10.5M+206.5%	$3.4M+6.3%	$3.2M-20.3%	$4.0M-14.3%	$4.7M
Income Tax	$979K+0.9%	$970K+214.9%	$308K+8.5%	$284K+668.0%	-$50K-257.1%	-$14K
Net Income	$6.2M-5.6%	$6.6M-6.6%	$7.1M+7.0%	$6.6M+17.9%	$5.6M-4.0%	$5.8M
EPS (Diluted)	$1.24-5.3%	$1.31-7.1%	$1.41+6.8%	$1.32+20.0%	$1.10-3.5%	$1.14

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$8.1M+5.5%	$7.7M-16.7%	$9.2M-32.5%	$13.6M+87.5%	$7.3M-19.4%	$9.0M+2.9%	$8.8M+2.6%	$8.5M
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%	$3.5M0.0%	$3.5M+1.9%	$3.5M+9.0%	$3.2M+11.7%	$2.8M
Income Tax	$357K+8.5%	$329K-11.3%	$371K+75.0%	$212K-28.4%	$296K+47.3%	$201K-23.3%	$262K-15.5%	$310K
Net Income	$2.1M+7.6%	$1.9M-4.8%	$2.0M+34.7%	$1.5M-14.6%	$1.7M+28.9%	$1.4M-19.1%	$1.7M-6.5%	$1.8M
EPS (Diluted)	$0.41+7.9%	$0.38-5.0%	$0.40+37.9%	$0.29-17.1%	$0.35+29.6%	$0.27-15.6%	$0.32-11.1%	$0.36

JUVF Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$848.9M-2.5%	$870.6M+4.9%	$829.6M+2.4%	$810.5M+2.1%	$793.7M+18.4%	$670.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	$13.5M-67.5%	$41.6M+226.7%	$12.7M
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	$9.8M0.0%	$9.8M+8.5%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M
Total Liabilities	$801.4M-3.5%	$830.4M+4.6%	$793.9M+7.4%	$739.2M+3.1%	$717.1M+20.1%	$596.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$5.0M-75.0%	$20.0M0.0%	$20.0M0.0%	$20.0M-42.9%	$35.0M-22.2%	$45.0M
Total Equity	$47.5M+18.2%	$40.1M+12.5%	$35.7M-49.9%	$71.3M-6.9%	$76.6M+3.9%	$73.7M
Retained Earnings	$53.1M+3.6%	$51.3M+2.7%	$50.0M+5.6%	$47.3M+4.9%	$45.1M+2.6%	$44.0M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$880.5M+1.6%	$866.4M+1.5%	$854.0M+0.6%	$848.9M-1.6%	$862.7M-0.2%	$864.4M-0.7%	$870.6M+1.1%	$861.4M
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-2.2%	$819.3M-0.4%	$822.9M-0.9%	$830.4M+0.7%	$824.5M
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%	$5.0M-75.0%	$20.0M0.0%	$20.0M0.0%	$20.0M
Total Equity	$55.0M+5.0%	$52.4M+4.4%	$50.2M+5.8%	$47.5M+9.5%	$43.3M+4.5%	$41.5M+3.4%	$40.1M+8.8%	$36.9M
Retained Earnings	$55.8M+1.7%	$54.8M+1.5%	$54.0M+1.7%	$53.1M+1.8%	$52.2M+1.3%	$51.6M+0.5%	$51.3M+1.1%	$50.7M

JUVF Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$5.3M-32.2%	$7.9M-20.8%	$9.9M+12.1%	$8.9M+30.9%	$6.8M-31.8%	$9.9M
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	$7.8M+756.2%	-$1.2M+98.1%	-$62.7M-16.3%	-$53.9M+41.8%	-$92.5M-92.9%	-$48.0M
Financing Cash Flow	-$31.1M-376.0%	$11.3M-77.6%	$50.2M+196.9%	$16.9M-85.2%	$114.7M+234.2%	$34.3M
Dividends Paid	$4.4M-0.1%	$4.4M+0.1%	$4.4M0.0%	$4.4M-1.4%	$4.5M-0.5%	$4.5M
Share Buybacks	$3K-99.1%	$324K+10700.0%	$3K-99.7%	$861K-40.7%	$1.5M+239.3%	$428K

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$4.5M+266.8%	$1.2M-42.2%	$2.1M+329.5%	$492K-86.4%	$3.6M+570.8%	-$766K-121.7%	$3.5M+58.0%	$2.2M
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+944.2%	-$961K+87.0%	-$7.4M-29.3%	-$5.7M-76.3%	-$3.2M
Financing Cash Flow	$8.2M-19.6%	$10.2M+595.7%	$1.5M+115.3%	-$9.5M-85.5%	-$5.1M+29.8%	-$7.3M-318.3%	$3.4M-76.4%	$14.2M
Dividends Paid	$1.1M-0.2%	$1.1M+0.5%	$1.1M-0.1%	$1.1M+0.2%	$1.1M+0.1%	$1.1M-0.1%	$1.1M-0.5%	$1.1M
Share Buybacks	$0	$0-100.0%	$4K	$0	$0-100.0%	$3K-99.0%	$315K	$0

JUVF Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
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	16.8%-3.1pp	19.9%-5.8pp	25.6%-1.3pp	26.9%+3.8pp	23.1%+0.3pp	22.8%
Return on Equity	13.1%-3.3pp	16.4%-3.4pp	19.8%+10.5pp	9.3%+2.0pp	7.3%-0.6pp	7.9%
Return on Assets	0.7%-0.0pp	0.8%-0.1pp	0.9%+0.0pp	0.8%+0.1pp	0.7%-0.2pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.11-0.4	0.50-0.1	0.56+0.3	0.28-0.2	0.46-0.2	0.61
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
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%-13.1pp	24.1%+9.0pp	15.0%-4.1pp	19.1%-1.9pp	21.0%
Return on Equity	3.7%+0.1pp	3.6%-0.4pp	4.0%+0.9pp	3.1%-0.9pp	4.0%+0.8pp	3.3%-0.9pp	4.2%-0.7pp	4.9%
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	0.11-0.0	0.12-0.4	0.48-0.0	0.50-0.0	0.54
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 $37.1M in total revenue for fiscal year 2024. This represents a 11.9% 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 grew by 11.9% year-over-year, from $33.2M to $37.1M in fiscal year 2024.

Is Juniata Valley Finl Corp profitable?

Yes, Juniata Valley Finl Corp (JUVF) reported a net income of $6.2M in fiscal year 2024, with a net profit margin of 16.8%.

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

Juniata Valley Finl Corp (JUVF) reported diluted earnings per share of $1.24 for fiscal year 2024. This represents a -5.3% 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.

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

Juniata Valley Finl Corp (JUVF) had a net profit margin of 16.8% in fiscal year 2024, 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 2024.

What is Juniata Valley Finl Corp's return on equity (ROE)?

Juniata Valley Finl Corp (JUVF) has a return on equity of 13.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

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

Juniata Valley Finl Corp (JUVF) generated $5.3M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Juniata Valley Finl Corp's total assets?

Juniata Valley Finl Corp (JUVF) had $848.9M in total assets as of fiscal year 2024, including both current and long-term assets.

Does Juniata Valley Finl Corp buy back shares?

Yes, Juniata Valley Finl Corp (JUVF) spent $3K on share buybacks during fiscal year 2024, 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 2024.

What is Juniata Valley Finl Corp's debt-to-equity ratio?

Juniata Valley Finl Corp (JUVF) had a debt-to-equity ratio of 0.11 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Juniata Valley Finl Corp's return on assets (ROA)?

Juniata Valley Finl Corp (JUVF) had a return on assets of 0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Juniata Valley Finl Corp's Piotroski F-Score?

Juniata Valley Finl Corp (JUVF) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Juniata Valley Finl Corp's earnings high quality?

Juniata Valley Finl Corp (JUVF) has an earnings quality ratio of 0.86x, considered mixed 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.