Juniata Valley Financial Corp. is a bank holding company, which engages in the provision of consumer and commercial banking services. The company is headquartered in Mifflintown, Pennsylvania and currently employs 115 full-time employees. The firm provides retail and commercial banking and other financial services. The company offers a full range of consumer and commercial banking services. Its consumer banking services include online account opening; online banking, mobile banking, telephone banking, automated teller machines, personal checking accounts, checking overdraft privileges, money market deposit accounts, savings accounts, debit cards, certificates of deposit, individual retirement accounts, secured lines of credit, construction and mortgage loans, and safe deposit boxes. Its commercial banking services include low and high-volume business checking accounts, online account management services, remote deposit capability, ACH origination, payroll direct deposit, commercial lines of credit, commercial letters of credit, mobile deposit for small business customers, and commercial term and demand loans.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
9
9
7
7
7
6
Income Tax Expense
1
1
0
0
0
0
Net Income
7
7
6
6
7
6
Net Income Growth
17%
17%
0%
-14%
17%
20%
Shares Outstanding (Diluted)
5.02
5.02
5.01
5.01
5
5.01
Shares Change (YoY)
0%
0%
0%
0%
0%
-1%
EPS (Diluted)
1.58
1.59
1.24
1.31
1.41
1.32
EPS Growth
28%
28%
-5%
-7%
7%
20%
Free Cash Flow
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3
7
9
8
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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0
0
0
0
EBIT
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EBIT Margin
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Effective Tax Rate
11.11%
11.11%
0%
0%
0%
0%
Follow-Up Questions
What are Juniata Valley Financial Corp's key financial statements?
According to the latest financial statement (Form-10K), Juniata Valley Financial Corp has a total asset of $895, Net profit of $7
What are the key financial ratios for JUVF?
Juniata Valley Financial Corp's Current ratio is 1.06, has a Net margin is 0, sales per share of $0.
How is Juniata Valley Financial Corp's revenue broken down by segment or geography?
Juniata Valley Financial Corp largest revenue segment is Banking Services, at a revenue of 28,013,000 in the most earnings release.For geography, United States is the primary market for Juniata Valley Financial Corp, at a revenue of 28,013,000.
Is Juniata Valley Financial Corp profitable?
yes, according to the latest financial statements, Juniata Valley Financial Corp has a net profit of $7
Does Juniata Valley Financial Corp have any liabilities?
yes, Juniata Valley Financial Corp has liability of 837
How many outstanding shares for Juniata Valley Financial Corp?
Juniata Valley Financial Corp has a total outstanding shares of 5.01