What is JUNIATA VLY FINCL CORP PA's earnings per share (EPS)?

JUNIATA VLY FINCL CORP PA (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 VLY FINCL PA (JUVF) Financials

JUVF OTC

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 $78.5M as of Oct 27, 2026

Price / Sales 2.3x on $33.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.4x 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 Oct 27, 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 VLY FINCL CORP PA (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 2026-10-25

Juniata Valley is a balance-sheet-heavy financial institution whose earnings recovery converted into cash without relying on long-term debt.

Cash conversion improved sharply: operating cash flow was 126.6% of net income in FY2025 versus 85.6% in FY2024, showing the earnings rebound was accompanied by cash realization rather than merely reported-profit recovery.

The balance sheet remains funded mainly by liabilities: liabilities were 93.6% of assets in FY2025, while total equity rose 20.9% from FY2024. Long-term debt fell 100.0% to $0, so the leverage picture is less about conventional borrowing and more about the institution’s liability-funded structure. That combination matters because a 0.0x debt-to-equity ratio can look conservative while total liabilities still represent the dominant funding base.

Profitability recovered through a margin step-up: net profit margin reached 25.7% in FY2025 after falling to 21.7% in FY2024. Net income grew 28.2% while revenue grew 8.3%, indicating the improvement was not just top-line expansion but stronger earnings conversion. Even after that recovery, return on assets was 0.9%, showing the scale of the balance sheet keeps asset productivity modest relative to the income margin.

Financial Health Signals

Financial health score not available

JUNIATA VLY FINCL CORP PA 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 VLY FINCL CORP PA 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, the one computable operating efficiency signal (asset turnover improving) passes.

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 VLY FINCL CORP PA 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 VLY FINCL CORP PA 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%

JUNIATA VLY FINCL CORP PA 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%

JUNIATA VLY FINCL CORP PA 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%

JUNIATA VLY FINCL CORP PA 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 VLY FINCL CORP PA'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 VLY FINCL CORP PA's quarterly ROE was 4.0% in Q2 2026: one quarter's net income over shareholder equity, not annualized. 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

YoYn/m

QoQ-100.0%

JUNIATA VLY FINCL CORP PA repurchased no shares in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. 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
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%	$284Kn/m	-$50Kn/m	-$14Kn/m	-$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-K	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%
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, SG&A 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	N/A	N/A	N/A	$3.3M+840.0%	$350K0.0%	$350K0.0%	$350K	N/A	$249K-70.6%	$847K-22.7%	$1.1M
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-K	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%	$7.8Mn/m	-$1.2Mn/m	-$62.7Mn/m	-$53.9Mn/m	-$92.5Mn/m	-$48.0M-423.3%	$14.8Mn/m	-$13.8Mn/m	-$459Kn/m	-$11.0Mn/m	-$34.4Mn/m	-$8.7Mn/m	-$3.7Mn/m	-$22.6M
Financing Cash Flow	$36.1M	$32.1Mn/m	-$31.1M-376.0%	$11.3M-77.6%	$50.2M+196.9%	$16.9M-85.2%	$114.7M+234.2%	$34.3Mn/m	-$13.6M-285.3%	$7.3Mn/m	-$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-K	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%	$2.1Mn/m	$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	-$14.4Mn/m	-$4.7Mn/m	-$13.6M-267.6%	-$14.3M-278.1%	-$12.8Mn/m	-$1.1Mn/m	$8.1Mn/m	$8.0Mn/m
Financing Cash Flow	$13.3M+30.4%	$2.3M+60.5%	$12.3Mn/m	$8.2Mn/m	$10.2Mn/m	$1.5Mn/m	-$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	$0n/m	$17K+325.0%	$0n/m	$0n/m	$0n/m	$4K+33.3%	$0-100.0%	$0n/m

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	N/A	N/A	N/A
Liabilities-to-Equity	14.60-2.3x	16.89-3.8x	20.69-1.6x	22.24+11.9x	10.37+1.0x	9.36+1.3x	8.10-0.2x	8.28-0.7x	8.97+0.1x	8.82+0.1x	8.74+0.1x	8.64+0.7x	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-K	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	N/A	N/A	0.00-0.1x	0.00-0.1x	0.00-0.1x	0.10-0.4x	0.11-0.4x	0.11-0.4x
Liabilities-to-Equity	13.66-1.9x	14.02-2.0x	14.60-2.3x	15.01-2.4x	15.54-3.4x	16.01-3.8x	16.89-3.8x	17.43-4.9x
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 VLY FINCL CORP PA Ranks

Frequently Asked Questions

What is JUNIATA VLY FINCL CORP PA's annual revenue?

JUNIATA VLY FINCL CORP PA (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 VLY FINCL CORP PA's revenue growing?

JUNIATA VLY FINCL CORP PA (JUVF) revenue grew by 8.3% year-over-year, from $28.8M to $31.1M in fiscal year 2025.

Is JUNIATA VLY FINCL CORP PA profitable?

Yes, JUNIATA VLY FINCL CORP PA (JUVF) reported a net income of $9.4M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $8.0M, with a net profit margin of 25.7%.

What is JUNIATA VLY FINCL CORP PA's net profit margin?

JUNIATA VLY FINCL CORP PA (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 VLY FINCL CORP PA pay dividends?

Yes, JUNIATA VLY FINCL CORP PA (JUVF) paid $0.88 per share in dividends during fiscal year 2025.

What is JUNIATA VLY FINCL CORP PA's return on equity (ROE)?

JUNIATA VLY FINCL CORP PA (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 VLY FINCL CORP PA's operating cash flow?

JUNIATA VLY FINCL CORP PA (JUVF) generated $10.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are JUNIATA VLY FINCL CORP PA's total assets?

JUNIATA VLY FINCL CORP PA (JUVF) had $895.3M in total assets as of fiscal year 2025, including both current and long-term assets.

Does JUNIATA VLY FINCL CORP PA buy back shares?

Yes, JUNIATA VLY FINCL CORP PA (JUVF) spent $4K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does JUNIATA VLY FINCL CORP PA have outstanding?

JUNIATA VLY FINCL CORP PA (JUVF) had 5M shares outstanding as of fiscal year 2025.

What is JUNIATA VLY FINCL CORP PA's debt-to-equity ratio?

JUNIATA VLY FINCL CORP PA (JUVF) had a debt-to-equity ratio of 0.00 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is JUNIATA VLY FINCL CORP PA's liabilities-to-equity ratio?

JUNIATA VLY FINCL CORP PA (JUVF) had a liabilities-to-equity ratio of 14.60 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is JUNIATA VLY FINCL CORP PA's return on assets (ROA)?

JUNIATA VLY FINCL CORP PA (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 VLY FINCL CORP PA's P/E ratio?

JUNIATA VLY FINCL CORP PA (JUVF) trades at 8.4x earnings, its market capitalization divided by $9.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $78.5M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is JUNIATA VLY FINCL CORP PA's price-to-sales ratio?

JUNIATA VLY FINCL CORP PA (JUVF) trades at 2.3x sales, its market capitalization divided by $33.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $78.5M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is JUNIATA VLY FINCL CORP PA's Piotroski F-Score?

JUNIATA VLY FINCL CORP PA (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.