JUNIATA VALLEY FINANCIAL CORP
JUNIATA VALLEY FINANCIAL CORP
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 6 | 5 | 6 | 6 | 5 | 5 | 5 | 6 | 6 | 5 | 17 | 27 | |||||
Interest Bearing Deposits In Banks | 8 | 6 | 6 | 5 | 7 | 8 | 6 | 6 | 5 | 8 | 12 | 0 | |||||
Cash Cash Equivalents And Federal Funds Sold | 14 | 12 | 11 | 10 | 12 | 14 | 11 | 12 | 11 | 13 | 29 | 28 | |||||
Equity Securities Fv Ni | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Debt Securities Available For Sale Excluding Accru… | 46 | 55 | 56 | 61 | 64 | 65 | 65 | 66 | 65 | 67 | 68 | 67 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 178 | 180 | 182 | 185 | 187 | 190 | 192 | 194 | 196 | 199 | 201 | 203 | |||||
Restricted Investments | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | 610 | 601 | 578 | 556 | 539 | 534 | 538 | 541 | 537 | 525 | 514 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | -7 | -7 | -7 | -7 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | -6 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 509 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 603 | 594 | 571 | 550 | 533 | 528 | 532 | 536 | 531 | 520 | - | |||||
Property Plant And Equipment Net | 10 | 9 | 9 | 9 | 9 | 9 | 9 | 10 | 9 | 8 | 8 | 8 | |||||
Real Estate Acquired Through Foreclosure | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Bank Owned Life Insurance | 16 | 16 | 16 | 16 | 16 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
Investments In Affiliates Subsidiaries Associates … | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Finite Lived Core Deposits Gross | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Goodwill | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Other Intangible Assets Net | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Deferred Income Tax Assets Net | 7 | 8 | 8 | 9 | 9 | 9 | 10 | 10 | 11 | 11 | 11 | 12 | |||||
Assets | 919 | 902 | 895 | 880 | 866 | 854 | 849 | 858 | 863 | 864 | 871 | 863 | |||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities Domestic | 210 | 210 | 210 | 207 | 193 | 199 | 197 | 197 | 198 | 200 | 197 | 201 | |||||
Interest Bearing Deposit Liabilities Domestic | 595 | 579 | 572 | 568 | 567 | 550 | 551 | 555 | 547 | 539 | 552 | 557 | |||||
Deposits | 806 | 789 | 782 | 776 | 759 | 749 | 748 | 753 | 745 | 738 | 749 | 757 | |||||
Short Term Borrowings | 44 | 47 | 50 | 43 | 50 | 44 | 42 | 46 | 61 | 57 | 53 | 40 | |||||
Long Term Debt | - | - | 0 | 0 | 0 | 5 | 5 | 5 | 5 | 20 | 20 | 20 | |||||
Liabilities | 856 | 842 | 838 | 825 | 814 | 804 | 801 | 811 | 819 | 823 | 830 | 825 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Additional Paid In Capital | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | |||||
Retained Earnings Accumulated Deficit | 60 | 58 | 57 | 56 | 55 | 54 | 53 | 53 | 52 | 52 | 51 | 52 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -25 | -26 | -27 | -29 | -30 | -32 | -33 | -34 | -36 | -38 | -39 | -42 | |||||
Treasury Stock Value | -2 | -2 | -2 | -2 | -2 | -2 | -2 | -2 | -2 | -2 | -3 | -2 | |||||
Stockholders Equity | 63 | 60 | 57 | 55 | 52 | 50 | 47 | 47 | 43 | 41 | 40 | 37 | |||||
Liabilities And Stockholders Equity | 919 | 902 | 895 | 880 | 866 | 854 | 849 | 858 | 863 | 864 | 871 | 863 | |||||
Held To Maturity Securities Fair Value | 173 | 177 | 180 | 182 | 183 | 185 | 183 | 193 | 189 | 193 | 198 | 189 | |||||
Preferred Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Shares Authorized | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | |||||
Common Stock Shares Issued | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Custom Table
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.35% | 4.95% | 14.30% | - | - | - | - | - | - | - | - | - |
| 2025 | 6.24% | 3.38% | 14.26% | 3.05% | 3.77% | 2.69% | 1.50% | 1.28% | -2.85% | 0.95% | 6.20% | 11.17% |
| 2024 | 2.00% | -7.91% | -2.03% | 15.22% | 2.31% | 7.66% | 7.60% | 1.73% | -5.63% | -6.64% | -1.03% | 2.64% |
| 2023 | - | - | - | -5.21% | -7.69% | -18.34% | 13.39% | 11.70% | 6.83% | -6.96% | -6.48% | 3.62% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.60 | -0.61 | -0.63 | -0.64 | -0.65 | -0.65 | -0.32 | 0.14 | 0.74 | 1.60 | 1.72 | 1.73 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | - | 128,170.27 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | - | 0.00 | |||||
Per Share Metrics | |||||||||||||||||
| Free Cash Flow Per Share TTM | 2.49 | 2.10 | 1.96 | 1.61 | 1.13 | 1.59 | 1.04 | 1.63 | 1.67 | 1.08 | 1.53 | 1.24 | |||||
| Dividend Per Share TTM | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 | 0.85 | 0.85 | 0.85 | 0.85 | 0.85 | 0.86 | 0.86 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -11.24% | -633.48% | -628.96% | -2,441.56% | -2,486.99% | -2,425.45% | -2,924.95% | -846.11% | -864.95% | -879.99% | -806.47% | -522.88% | |||||
| Operating Profit Margin TTM | 91.96% | 561.80% | 501.77% | 1,620.59% | 1,529.55% | 1,439.25% | 1,536.89% | 445.04% | 491.00% | 501.54% | 549.85% | 457.23% | |||||
| Net Profit Margin TTM | 77.64% | 475.96% | 427.36% | 1,385.16% | 1,309.85% | 1,233.33% | 1,328.14% | 383.49% | 422.25% | 436.66% | 479.36% | 418.88% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 2,146.47% | 230.29% | 298.29% | -67.76% | -65.40% | -60.81% | -65.92% | 21.42% | 9.89% | -0.97% | -6.52% | -6.64% | |||||
| Net Income Growth (1Y) | 33.15% | 27.46% | 28.16% | 16.44% | 7.33% | 10.68% | -5.56% | 11.17% | 7.69% | -6.94% | -6.63% | -23.61% | |||||
| EPS Growth (1Y) | 33.15% | 27.46% | 28.16% | 16.44% | 7.33% | 10.68% | -5.56% | 11.17% | 7.69% | -6.94% | -6.63% | -23.61% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 8.34 | 8.28 | 8.64 | 9.27 | 8.56 | 8.35 | 9.64 | 8.04 | 7.69 | 8.67 | 8.48 | 9.29 | |||||
| P/B TTM | 1.25 | 1.21 | 1.20 | 1.26 | 1.15 | 1.14 | 1.26 | 1.11 | 1.16 | 1.30 | 1.39 | 1.45 | |||||
| P/S TTM | 6.48 | 39.39 | 36.94 | 128.37 | 112.12 | 102.97 | 127.97 | 30.84 | 32.47 | 37.86 | 40.64 | 38.92 | |||||
| Market Cap | 78.28M | 72.59M | 69.00M | 69.19M | 60.32M | 57.46M | 60.02M | 51.57M | 50.49M | 53.92M | 55.92M | 53.59M | |||||
| Enterprise Value | 116.35M | 113.64M | 113.18M | 106.35M | 105.17M | 101.40M | 102.20M | 96.14M | 111.04M | 126.04M | 111.54M | 85.85M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 12.84M | 10.83M | 10.10M | 8.31M | 5.83M | 8.21M | 5.34M | 8.38M | 8.61M | 5.55M | 7.87M | 6.39M | |||||
| Net Debt | 38.07M | 41.05M | 44.19M | 37.16M | 44.85M | 43.94M | 42.18M | 44.57M | 60.56M | 72.13M | 55.62M | 32.26M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
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| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
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| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
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| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
JUNIATA VALLEY FINANCIAL CORP (JUVF) — SEC Financial Statements & Analysis
JUNIATA VALLEY FINANCIAL CORP (JUVF) is a state commercial banks company, incorporated in PA. JUNIATA VALLEY FINANCIAL CORP trades on OTC as: JUVF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), JUNIATA VALLEY FINANCIAL CORP reported a 2146.47% year-over-year revenue growth, a Gross Profit Margin of -11.24% (TTM), a Price-to-Sales (P/S) ratio of 6.48x (TTM), a Price-to-Book (P/B) ratio of 1.25x (TTM), at a market cap of $78.28M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 2146.47%
- Gross Profit Margin TTM
- -11.24%
- P/S TTM
- 6.48x
- P/B TTM
- 1.25x
- Market Cap
- $78.28M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is JUNIATA VALLEY FINANCIAL CORP in?
JUNIATA VALLEY FINANCIAL CORP (JUVF) operates in the State Commercial Banks industry.
What is JUVF's market cap?
JUNIATA VALLEY FINANCIAL CORP (JUVF) has a market capitalization of $78.28M as of 2026-06-30.
What is JUVF's P/E ratio?
JUNIATA VALLEY FINANCIAL CORP (JUVF)'s trailing twelve month P/E ratio is 8.34x as of 2026-06-30.
What exchange does JUVF trade on?
JUNIATA VALLEY FINANCIAL CORP (JUVF) trades on the OTC.
Where is JUNIATA VALLEY FINANCIAL CORP incorporated?
JUNIATA VALLEY FINANCIAL CORP is incorporated in PA.