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 31, 2026 Currency USD FYE December

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).

Rhea AI JUVF FY2025 2026-05-13

Thin asset-level profitability is converted into stronger equity returns through a liability-heavy funding model and stable overhead.

In the latest year, cash conversion improved: operating cash flow of $10.1M topped net income of $8.0M, so earnings were backed by real cash rather than mostly accounting accruals. Meanwhile long-term debt fell to $0 even as liabilities still financed 93.6% of assets, which means the balance sheet became less dependent on term borrowing without becoming lightly funded.

Overhead discipline mattered more than balance-sheet expansion: revenue reached $39.0M while SG&A stayed near $20.8M, letting more incremental revenue fall through to profit. That pattern fits fixed-cost absorption and cost control better than a dramatic change in the asset base, because expenses barely moved while earnings recovered.

Asset returns are still modest at 0.9%, but return on equity was 13.9%, showing how a thin equity layer amplifies the profitability seen by shareholders. Equity has rebuilt from its earlier low, yet the company still depends heavily on liabilities to fund assets, so even small shifts in asset performance can change equity returns noticeably.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Juniata Valley Finl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Juniata Valley Finl Corp's revenue grew 5.0% year-over-year to $39.0M, a solid pace of expansion. This earns a growth score of 47/100.

Leverage

100

Juniata Valley Finl Corp carries a low D/E ratio of 0.00, meaning only $0.00 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Returns

Juniata Valley Finl Corp's ROE of 13.9% shows moderate profitability relative to equity, earning a score of 43/100. This is up from 13.1% the prior year.

Piotroski F-Score Neutral

5/9

Juniata Valley Finl Corp passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

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

$39.0M

YoY+5.0%

5Y CAGR+9.9%

10Y CAGR+8.4%

Juniata Valley Finl Corp generated $39.0M in revenue in fiscal year 2025. This represents an increase of 5.0% 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+0.3%

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 0.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

20.5%

YoY+3.7pp

5Y CAGR-2.6pp

10Y CAGR+2.9pp

Juniata Valley Finl Corp's net profit margin was 20.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.7 percentage points from the prior year.

Return on Equity

13.9%

YoY+0.8pp

5Y CAGR+6.6pp

10Y CAGR+8.8pp

Juniata Valley Finl Corp's ROE was 13.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.

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	$39.0M+5.0%	$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	$20.8M-0.9%	$21.0M+5.3%	$19.9M-7.4%	$21.5M+5.7%	$20.4M+5.6%	$19.3M
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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$10.6M-24.7%	$14.1M+74.1%	$8.1M+5.5%	$7.7M-16.7%	$9.2M-32.5%	$13.6M+88.0%	$7.2M-0.3%	$7.3M
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	$5.2M-50.3%	$10.5M+243.7%	$3.1M+17.4%	$2.6M-44.5%	$4.7M-54.4%	$10.3M+266.8%	$2.8M+1.4%	$2.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.3M-5.1%	$3.4M+0.3%	$3.4M+2.5%	$3.4M-0.4%	$3.4M-4.5%	$3.5M-3.5%	$3.7M+3.6%	$3.5M
Income Tax	$563K+69.1%	$333K-6.7%	$357K+8.5%	$329K-11.3%	$371K+75.0%	$212K-21.5%	$270K-8.8%	$296K
Net Income	$2.8M+39.3%	$2.0M-2.3%	$2.1M+7.6%	$1.9M-4.8%	$2.0M+34.7%	$1.5M-8.9%	$1.6M-6.2%	$1.7M
EPS (Diluted)	$0.55	N/A	$0.41+7.9%	$0.38-5.0%	$0.40	N/A	$0.33-5.7%	$0.35

JUVF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$895.3M+5.5%	$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	$9.8M0.0%	$9.8M0.0%	$9.8M+8.5%	$9.0M0.0%	$9.0M0.0%	$9.0M
Total Liabilities	$837.9M+4.6%	$801.4M-3.5%	$830.4M+4.6%	$793.9M+7.4%	$739.2M+3.1%	$717.1M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$0-100.0%	$5.0M-75.0%	$20.0M0.0%	$20.0M0.0%	$20.0M-42.9%	$35.0M
Total Equity	$57.4M+20.9%	$47.5M+18.2%	$40.1M+12.5%	$35.7M-49.9%	$71.3M-6.9%	$76.6M
Retained Earnings	$56.7M+6.7%	$53.1M+3.6%	$51.3M+2.7%	$50.0M+5.6%	$47.3M+4.9%	$45.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$901.9M+0.7%	$895.3M+1.7%	$880.5M+1.6%	$866.4M+1.5%	$854.0M+0.6%	$848.9M-1.1%	$858.0M-0.5%	$862.7M
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	$841.9M+0.5%	$837.9M+1.5%	$825.5M+1.4%	$814.1M+1.3%	$803.8M+0.3%	$801.4M-1.2%	$811.4M-1.0%	$819.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$0	$0	$0-100.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M
Total Equity	$60.0M+4.7%	$57.4M+4.3%	$55.0M+5.0%	$52.4M+4.4%	$50.2M+5.8%	$47.5M+2.0%	$46.5M+7.4%	$43.3M
Retained Earnings	$58.4M+3.0%	$56.7M+1.6%	$55.8M+1.7%	$54.8M+1.5%	$54.0M+1.7%	$53.1M+0.7%	$52.7M+1.0%	$52.2M

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$2.8M+24.0%	$2.3M-49.0%	$4.5M+266.8%	$1.2M-42.2%	$2.1M+329.5%	$492K-75.4%	$2.0M-44.5%	$3.6M
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	-$4.7M+65.3%	-$13.6M+5.0%	-$14.3M-11.7%	-$12.8M-1101.2%	-$1.1M-113.1%	$8.1M+1.0%	$8.0M+936.0%	-$961K
Financing Cash Flow	$2.3M-80.9%	$12.3M+49.9%	$8.2M-19.6%	$10.2M+595.7%	$1.5M+115.3%	-$9.5M-5.5%	-$9.0M-75.8%	-$5.1M
Dividends Paid	$1.1M-0.1%	$1.1M+0.2%	$1.1M-0.2%	$1.1M+0.5%	$1.1M-0.1%	$1.1M-0.1%	$1.1M+0.3%	$1.1M
Share Buybacks	$17K	$0	$0	$0-100.0%	$4K	$0	$0	$0

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	20.5%+3.7pp	16.8%-3.1pp	19.9%-5.8pp	25.6%-1.3pp	26.9%+3.8pp	23.1%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.00-0.1	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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	26.4%+12.1pp	14.3%-11.2pp	25.5%+0.5pp	25.0%+3.1pp	21.8%+10.9pp	10.9%-11.7pp	22.6%-1.4pp	24.1%
Return on Equity	4.7%+1.2pp	3.5%-0.2pp	3.7%+0.1pp	3.6%-0.4pp	4.0%+0.9pp	3.1%-0.4pp	3.5%-0.5pp	4.0%
Return on Assets	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	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	14.02+14.0	0.000.0	0.000.0	0.00-0.1	0.100.0	0.110.0	0.110.0	0.12
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 $39.0M in total revenue for fiscal year 2025. This represents a 5.0% 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 5% year-over-year, from $37.1M to $39.0M 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 20.5%.

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

Juniata Valley Finl Corp (JUVF) had a net profit margin of 20.5% 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 Piotroski F-Score?

Juniata Valley Finl Corp (JUVF) has a Piotroski F-Score of 5 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 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.

How financially healthy is Juniata Valley Finl Corp?

Juniata Valley Finl Corp (JUVF) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.