Juniata Valley Financial Corp. (JUVF)

Juniata Valley Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	33.43	31.11	26.73	21.23	19.46
Interest Income on Investments	5.55	6.01	6.45	6.33	5.09
Total Interest Income	38.98	37.12	33.18	27.56	24.55
Interest Paid on Deposits	11.46	11.17	8.25	2.58	2.27
Interest Paid on Borrowings	2.16	3.02	2.24	0.85	0.95
Total Interest Expense	13.62	14.19	10.49	3.42	3.22
Net Interest Income	25.36	22.93	22.69	24.13	21.34
Net Interest Income Growth (YoY)	10.59%	1.04%	-5.97%	13.11%	5.38%
Trust Income	0.44	0.47	0.47	0.47	0.45
Mortgage Banking Activities	-	-	-	0.03	0.04
Gain (Loss) on Sale of Investments	-0.19	-0.21	-0.34	-2.32	-0.63
Other Non-Interest Income	5.16	5.19	4.68	5.86	4.5
Total Non-Interest Income	5.42	5.45	4.81	4.05	4.36
Non-Interest Income Growth (YoY)	-0.55%	13.31%	18.81%	-7.09%	-3.67%
Revenues Before Loan Losses	30.78	28.38	27.5	28.18	25.69
Provision for Loan Losses	0.92	0.53	0.5	0.46	-0.77
Revenue	29.85	27.84	27	27.72	26.46
Revenue Growth (YoY)	7.22%	3.12%	-2.61%	4.78%	10.04%
Salaries and Employee Benefits	11.29	11.33	10.67	10.64	10.54
Federal Deposit Insurance	0.51	0.58	0.5	0.41	0.31
Amortization of Goodwill & Intangibles	0.07	0.09	0.08	0.05	0.07
Selling, General & Administrative	6.12	6.65	6.1	7.43	5.92
Other Non-Interest Expense	2.51	2.05	2.03	2.24	2.1
Total Non-Interest Expense	20.51	20.69	19.37	20.73	18.88
EBT Excluding Unusual Items	9.34	7.15	7.63	6.99	7.58
Other Unusual Items	-	-	-	-	-0.69
Pretax Income	9.37	7.21	7.57	7.37	6.89
Income Tax Expense	1.39	0.98	0.97	0.31	0.28
Net Income	7.98	6.23	6.6	7.06	6.6
Net Income to Common	7.98	6.23	6.6	7.06	6.6
Net Income Growth	28.16%	-5.56%	-6.63%	6.97%	17.89%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	0.21%	-0.16%	0.20%	-0.10%	-1.32%
EPS (Basic)	1.59	1.25	1.32	1.41	1.32
EPS (Diluted)	1.59	1.24	1.31	1.41	1.32
EPS Growth	28.23%	-5.34%	-7.09%	6.84%	19.98%
Dividend Per Share	0.880	0.880	0.880	0.880	0.880
Effective Tax Rate	14.83%	13.58%	12.82%	4.18%	4.12%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.