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 (JUVF) Financials

JUVF

Trailing 12 months to June 30, 2026

Revenue $33.9M +14.8% YoY

Net Income $9.4M +33.1% YoY

EPS (Diluted) $1.86 +32.9% YoY

Operating Cash Flow $12.8M +120.2% YoY

Market Cap $83.4M as of Sep 11, 2026

Price / Sales 2.5x on $33.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.9x on $9.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $62.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 12, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the JUVF SEC filings page.

Juniata Valley Finl Corp (JUVF) reported $33.9M in revenue over the twelve months to Jun 30, 2026, up 14.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI JUVF FY2025 2026-09-05

Cash conversion and balance-sheet funding are amplifying profit recovery more than conventional debt-funded expansion.

Operating cash flow rose 89.4% in FY2025 while net income rose 28.2%, so cash conversion improved faster than accounting profit. The contrast with FY2024—when operating cash flow was below net income—makes the recovery a change in earnings quality, not merely a larger profit figure.

The institution is balance-sheet heavy: assets expanded 5.5% in FY2025 while return on assets remained only 0.9%, indicating that added assets are producing a modest earnings yield rather than high asset turnover.

Total liabilities rose 4.6% in FY2025 even as reported long-term debt fell to $0, so funding is not being driven by conventional long-term borrowing. Equity increased 20.9% to $57.4M, strengthening the capital base while liabilities remain much larger than equity.

Financial Health Signals

Financial health score not available

Juniata Valley Finl Corp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/7

Juniata Valley Finl Corp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

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

$8.8M

YoY+15.0%

QoQ+0.6%

5Y CAGR+6.3%

10Y CAGR+4.1%

Juniata Valley Finl Corp generated $8.8M in revenue in Q2 2026. This represents an increase of 15.0% from the same quarter a year earlier. Against the prior quarter it is up 0.6%.

Net Income

$2.5M

YoY+32.0%

QoQ-9.8%

5Y CAGR+7.7%

10Y CAGR+8.5%

Juniata Valley Finl Corp reported $2.5M in net income in Q2 2026. This represents an increase of 32.0% from the same quarter a year earlier. Against the prior quarter it is down 9.8%.

EPS (Diluted)

$0.50

YoY+31.6%

QoQ-9.1%

5Y CAGR+7.4%

10Y CAGR+8.1%

Juniata Valley Finl Corp earned $0.50 per diluted share (EPS) in Q2 2026. This represents an increase of 31.6% from the same quarter a year earlier. Against the prior quarter it is down 9.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Dividends Per Share

$0.22

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR0.0%

Juniata Valley Finl Corp paid $0.22 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.3%

QoQ0.0%

5Y CAGR+0.1%

10Y CAGR+0.5%

Juniata Valley Finl Corp had 5M shares outstanding in Q2 2026. This represents an increase of 0.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q2 2026.

Cash & Debt

Not reported for Q2 2026.

Margins & Returns

Net Margin

28.6%

YoY+3.7pp

QoQ-3.3pp

5Y change+1.9pp

10Y change+9.7pp

Juniata Valley Finl Corp's net profit margin was 28.6% in Q2 2026, showing the share of revenue converted to profit. This is up 3.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.3 percentage points.

Return on Equity

4.0%

YoY+0.4pp

QoQ-0.6pp

5Y change+1.7pp

10Y change+2.2pp

Juniata Valley Finl Corp's ROE was 4.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

Juniata Valley Finl Corp repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

JUVF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

JUVF quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$33.9M	$31.1M+8.3%	$28.8M+2.6%	$28.0M-4.6%	$29.4M+10.8%	$26.5M+3.6%	$25.6M-0.3%	$25.7M+2.4%	$25.0M+5.2%	$23.8M+0.8%	$23.6M+19.0%	$19.8M+6.3%	$18.7M+3.3%	$18.1M-5.5%	$19.1M-1.4%	$19.4M
SG&A Expenses	$21.7M	$20.8M-0.9%	$21.0M+5.3%	$19.9M-7.4%	$21.5M+5.7%	$20.4M+5.6%	$19.3M-5.5%	$20.4M+4.9%	$19.5M+9.5%	$17.8M+3.5%	$17.2M+6.0%	$16.2M+19.4%	$13.6M+3.2%	$13.1M+0.5%	$13.1M+2.1%	$12.8M
Interest Expense	$13.4M	$13.6M-4.0%	$14.2M+35.3%	$10.5M+206.5%	$3.4M+6.3%	$3.2M-20.3%	$4.0M-14.3%	$4.7M+29.5%	$3.6M+27.3%	$2.9M+25.9%	$2.3M+11.1%	$2.0M-21.4%	$2.6M-10.4%	$2.9M-20.5%	$3.6M-20.5%	$4.6M
Income Tax	$1.7M	$1.4M+42.0%	$979K+0.9%	$970K+214.9%	$308K+8.5%	$284K+668.0%	-$50K-257.1%	-$14K+97.9%	-$659K-162.2%	$1.1M+29.4%	$819K+886.7%	$83K-84.2%	$525K+4.0%	$505K-48.4%	$978K-36.6%	$1.5M
Net Income	$9.4M	$8.0M+28.2%	$6.2M-5.6%	$6.6M-6.6%	$7.1M+7.0%	$6.6M+17.9%	$5.6M-4.0%	$5.8M-1.2%	$5.9M+30.1%	$4.5M-12.0%	$5.2M+68.6%	$3.1M-27.5%	$4.2M+5.4%	$4.0M+9.7%	$3.6M-22.1%	$4.7M
EPS (Basic)	N/A	$1.59+27.2%	$1.25-5.3%	$1.32-6.4%	$1.41+6.8%	$1.32+20.0%	$1.10-3.5%	$1.14-3.4%	$1.18+24.2%	$0.95-11.2%	$1.07+48.6%	$0.72-28.7%	$1.01+6.3%	$0.95+10.5%	$0.86-21.8%	$1.10
EPS (Diluted)	$1.86	$1.59+28.2%	$1.24-5.3%	$1.31-7.1%	$1.41+6.8%	$1.32+20.0%	$1.10-3.5%	$1.14-3.4%	$1.18+24.2%	$0.95-11.2%	$1.07+48.6%	$0.72-28.7%	$1.01+6.3%	$0.95+10.5%	$0.86-21.8%	$1.10
Diluted Shares (Avg)	N/A	5M+0.4%	5M-0.2%	5M+0.2%	5M-0.1%	5M-1.3%	5M-0.8%	5M+2.2%	5M+4.9%	5M-0.6%	5M+13.2%	4M+1.1%	4M-0.4%	4M-0.5%	4M-0.3%	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$8.8M+15.0%	$8.8M+22.1%	$8.2M+10.9%	$8.1M+11.5%	$7.7M+5.4%	$7.2M+4.9%	$7.4M+6.0%	$7.2M+3.7%
SG&A Expenses	$3.0M+14.2%	$5.2M+11.2%	$10.5M+2.0%	$3.1M+8.9%	$2.6M-6.0%	$4.7M-9.2%	$10.3M+106.8%	$2.8M-41.1%
Interest Expense	$3.3M-2.2%	$3.3M-2.9%	$3.4M-2.3%	$3.4M-6.0%	$3.4M-4.9%	$3.4M-2.7%	$3.5M+11.1%	$3.7M+28.6%
Income Tax	$478K+45.3%	$563K+51.8%	$333K+57.1%	$357K+32.2%	$329K+11.1%	$371K+84.6%	$212K-19.1%	$270K-12.9%
Net Income	$2.5M+32.0%	$2.8M+39.3%	$2.0M+34.7%	$2.1M+25.6%	$1.9M+9.5%	$2.0M+48.2%	$1.5M-10.9%	$1.6M-8.6%
EPS (Basic)	$0.50+31.6%	$0.56+40.0%	$0.40+33.3%	$0.41+24.2%	$0.38+8.6%	$0.40+48.1%	$0.30-11.8%	$0.33-8.3%
EPS (Diluted)	$0.50+31.6%	$0.55+37.5%	$0.40+37.9%	$0.41+24.2%	$0.38+8.6%	$0.40+48.1%	$0.29-12.1%	$0.33-8.3%
Diluted Shares (Avg)	5M+0.4%	5M+0.4%	N/A	5M+0.4%	5M+0.4%	5M+0.4%	N/A	5M-0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

JUVF Balance Sheet

JUVF quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$895.3M+5.5%	$848.9M-2.5%	$870.6M+4.9%	$829.6M+2.4%	$810.5M+2.1%	$793.7M+18.4%	$670.6M+7.3%	$625.2M+5.6%	$591.9M+2.0%	$580.4M-0.6%	$583.9M+21.5%	$480.5M+7.1%	$448.8M0.0%	$448.9M+0.3%	$447.4M
Cash & Equivalents	N/A	N/A	N/A	N/A	$13.5M-67.5%	$41.6M+226.7%	$12.7M-22.6%	$16.5M+66.3%	$9.9M+3.5%	$9.6M-8.6%	$10.5M+54.5%	$6.8M-21.4%	$8.6M-40.2%	$14.4M+1.6%	$14.2M
Short-Term Investments	N/A	N/A	N/A	N/A	$0	$0	$0-100.0%	$3.3M+840.0%	$350K0.0%	$350K0.0%	$350K	$0-100.0%	$249K-70.6%	$847K-22.7%	$1.1M
Long-Term Investments	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$9.8M0.0%	$9.8M0.0%	$9.8M+8.5%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M-1.0%	$9.1M+67.7%	$5.4M0.0%	$5.4M+1.2%	$5.4M+163.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M
Total Liabilities	$837.9M+4.6%	$801.4M-3.5%	$830.4M+4.6%	$793.9M+7.4%	$739.2M+3.1%	$717.1M+20.1%	$596.9M+7.0%	$557.9M+4.8%	$532.6M+2.2%	$521.3M-0.5%	$524.0M+21.7%	$430.7M+8.0%	$398.8M+0.1%	$398.6M+0.2%	$397.7M
Long-Term Debt	$0-100.0%	$5.0M-75.0%	$20.0M0.0%	$20.0M0.0%	$20.0M-42.9%	$35.0M-22.2%	$45.0M+200.0%	$15.0M-40.0%	$25.0M0.0%	$25.0M+11.1%	$22.5M0.0%	$22.5M	N/A	N/A	N/A
Total Equity	$57.4M+20.9%	$47.5M+18.2%	$40.1M+12.5%	$35.7M-49.9%	$71.3M-6.9%	$76.6M+3.9%	$73.7M+9.4%	$67.4M+13.5%	$59.4M+0.5%	$59.1M-1.5%	$60.0M+20.3%	$49.9M-0.3%	$50.0M-0.6%	$50.3M+1.2%	$49.7M
Retained Earnings	$56.7M+6.7%	$53.1M+3.6%	$51.3M+2.7%	$50.0M+5.6%	$47.3M+4.9%	$45.1M+2.6%	$44.0M+3.4%	$42.5M+4.0%	$40.9M+2.3%	$39.9M+2.4%	$39.0M-1.6%	$39.6M+1.3%	$39.1M+0.8%	$38.8M-0.2%	$38.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$918.9M+6.1%	$901.9M+5.6%	$895.3M+5.5%	$880.5M+2.6%	$866.4M+0.4%	$854.0M-1.2%	$848.9M-2.5%	$858.0M-0.4%
Goodwill	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%
Total Liabilities	$856.2M+5.2%	$841.9M+4.7%	$837.9M+4.6%	$825.5M+1.7%	$814.1M-0.6%	$803.8M-2.3%	$801.4M-3.5%	$811.4M-1.6%
Long-Term Debt	N/A	N/A	$0-100.0%	$0-100.0%	$0-100.0%	$5.0M-75.0%	$5.0M-75.0%	$5.0M-75.0%
Total Equity	$62.7M+19.6%	$60.0M+19.6%	$57.4M+20.9%	$55.0M+18.2%	$52.4M+20.9%	$50.2M+21.0%	$47.5M+18.2%	$46.5M+26.2%
Retained Earnings	$59.8M+9.1%	$58.4M+8.1%	$56.7M+6.7%	$55.8M+5.8%	$54.8M+5.1%	$54.0M+4.8%	$53.1M+3.6%	$52.7M+4.0%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

JUVF Cash Flow Statement

JUVF quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$12.8M	$10.1M+89.4%	$5.3M-32.2%	$7.9M-20.8%	$9.9M+12.1%	$8.9M+30.9%	$6.8M-31.8%	$9.9M+86.8%	$5.3M-21.8%	$6.8M+7.9%	$6.3M+20.2%	$5.2M-11.3%	$5.9M+1.9%	$5.8M-0.2%	$5.8M+4.1%	$5.6M
Depreciation & Amortization	N/A	$866K+5.9%	$818K+27.0%	$644K-6.0%	$685K-12.0%	$778K-11.9%	$883K-0.6%	$888K-0.7%	$894K+21.0%	$739K+5.6%	$700K+25.7%	$557K+3.3%	$539K-0.6%	$542K-4.7%	$569K-9.1%	$626K
Stock-Based Compensation	N/A	$154K+8.5%	$142K-0.7%	$143K-18.8%	$176K+11.4%	$158K+23.4%	$128K+13.3%	$113K+37.8%	$82K+15.5%	$71K+6.0%	$67K+17.5%	$57K+21.3%	$47K+56.7%	$30K+20.0%	$25K-3.8%	$26K
Investing Cash Flow	-$47.0M	-$41.8M-636.7%	$7.8M+756.2%	-$1.2M+98.1%	-$62.7M-16.3%	-$53.9M+41.8%	-$92.5M-92.9%	-$48.0M-423.3%	$14.8M+207.5%	-$13.8M-2906.1%	-$459K+95.8%	-$11.0M+68.0%	-$34.4M-293.7%	-$8.7M-137.6%	-$3.7M+83.7%	-$22.6M
Financing Cash Flow	$36.1M	$32.1M+203.4%	-$31.1M-376.0%	$11.3M-77.6%	$50.2M+196.9%	$16.9M-85.2%	$114.7M+234.2%	$34.3M+352.3%	-$13.6M-285.3%	$7.3M+208.8%	-$6.7M-171.3%	$9.5M	N/A	N/A	N/A	N/A
Dividends Paid	$4.4M	$4.4M+0.3%	$4.4M-0.1%	$4.4M+0.1%	$4.4M0.0%	$4.4M-1.4%	$4.5M-0.5%	$4.5M+1.8%	$4.4M+5.2%	$4.2M-0.8%	$4.2M+14.6%	$3.7M-0.1%	$3.7M-0.5%	$3.7M-0.5%	$3.7M+2.1%	$3.6M
Share Buybacks	$17K	$4K+33.3%	$3K-99.1%	$324K+10700.0%	$3K-99.7%	$861K-40.7%	$1.5M+239.3%	$428K+511.4%	$70K-18.6%	$86K-90.7%	$927K+1371.4%	$63K-71.6%	$222K-50.1%	$445K+23.6%	$360K-38.9%	$589K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$3.2M+164.5%	$2.8M+34.2%	$2.3M+364.6%	$4.5M+123.8%	$1.2M-66.1%	$2.1M+375.8%	$492K-86.1%	$2.0M-10.5%
Stock-Based Compensation	$42K+10.5%	$41K+10.8%	N/A	$40K+11.1%	$38K+5.6%	$37K+8.8%	N/A	$36K+2.9%
Investing Cash Flow	-$14.4M-12.6%	-$4.7M-342.8%	-$13.6M-267.6%	-$14.3M-278.1%	-$12.8M-1232.5%	-$1.1M+85.6%	$8.1M+241.7%	$8.0M+347.3%
Financing Cash Flow	$13.3M+30.4%	$2.3M+60.5%	$12.3M+228.7%	$8.2M+190.6%	$10.2M+298.0%	$1.5M+120.0%	-$9.5M-384.4%	-$9.0M-163.6%
Dividends Paid	$1.1M+0.2%	$1.1M+0.4%	$1.1M+0.4%	$1.1M+0.1%	$1.1M+0.5%	$1.1M+0.2%	$1.1M+0.2%	$1.1M-0.2%
Share Buybacks	$0	$17K+325.0%	$0	$0	$0	$4K+33.3%	$0-100.0%	$0

Not reported in any period shown, so not listed: Depreciation & Amortization, Capital Expenditures, Free Cash Flow.

JUVF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

JUVF quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	25.7%+4.0pp	21.7%-1.9pp	23.5%-0.5pp	24.1%-0.9pp	24.9%+3.0pp	21.9%-0.8pp	22.7%-0.8pp	23.6%+4.5pp	19.1%-2.8pp	21.8%+6.4pp	15.4%-7.2pp	22.6%+0.4pp	22.1%+3.1pp	19.1%-5.1pp	24.1%
Return on Equity	13.9%+0.8pp	13.1%-3.3pp	16.4%-3.4pp	19.8%+10.5pp	9.3%+2.0pp	7.3%-0.6pp	7.9%-0.8pp	8.8%+1.1pp	7.6%-1.1pp	8.7%+3.6pp	5.1%-3.4pp	8.5%+0.5pp	8.0%+0.8pp	7.2%-2.2pp	9.4%
Return on Assets	0.9%+0.2pp	0.7%0.0pp	0.8%-0.1pp	0.9%0.0pp	0.8%+0.1pp	0.7%-0.2pp	0.9%-0.1pp	0.9%+0.2pp	0.8%-0.1pp	0.9%+0.4pp	0.5%-0.4pp	0.9%0.0pp	0.9%+0.1pp	0.8%-0.2pp	1.1%
Debt-to-Equity	0.00-0.1x	0.11-0.4x	0.50-0.1x	0.56+0.3x	0.28-0.2x	0.46-0.2x	0.61+0.4x	0.22-0.2x	0.420.0x	0.420.0x	0.38-0.1x	0.45-7.5x	7.98+0.1x	7.92-0.1x	8.00
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.04

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	28.6%+3.7pp	32.0%+3.9pp	24.4%+4.3pp	25.5%+2.9pp	25.0%+0.9pp	28.0%+8.2pp	20.1%-3.8pp	22.6%-3.0pp
Return on Equity	4.0%+0.4pp	4.7%+0.7pp	3.5%+0.4pp	3.7%+0.2pp	3.6%-0.4pp	4.0%+0.7pp	3.1%-1.0pp	3.5%-1.3pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	13.66+13.7x	14.02+13.9x	0.00-0.1x	0.00-0.1x	0.00-0.1x	0.10-0.4x	0.11-0.4x	0.11-0.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Where Juniata Valley Finl Corp Ranks

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 8.3% 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 8.3% year-over-year, from $28.8M 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 return on equity (ROE)?

Juniata Valley Finl Corp (JUVF) has a return on equity of 13.9% for fiscal year 2025, 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 $10.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Juniata Valley Finl Corp's total assets?

Juniata Valley Finl Corp (JUVF) had $895.3M in total assets as of fiscal year 2025, including both current and long-term assets.

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.

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

Juniata Valley Finl Corp (JUVF) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, 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 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Juniata Valley Finl Corp's P/E ratio?

Juniata Valley Finl Corp (JUVF) trades at 8.9x earnings, its market capitalization divided by net income of $9.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $83.4M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Juniata Valley Finl Corp's price-to-sales ratio?

Juniata Valley Finl Corp (JUVF) trades at 2.5x sales, its market capitalization divided by revenue of $33.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $83.4M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Juniata Valley Finl Corp (JUVF) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 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.