Juniata Valley Financial Corp. (JUVF)

Juniata Valley Financial Balance Sheet

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
Cash & Equivalents	11.45	11	28.93	11	13.53
Investment Securities	63.23	68.47	66.26	67.89	88.91
Trading Asset Securities	0.16	0.02	-	0.27	0.54
Mortgage-Backed Securities	176.36	189.8	204.18	217.78	250.68
Total Investments	239.75	258.29	270.44	285.93	340.13
Gross Loans	601.38	533.87	525.39	484.51	418.3
Allowance for Loan Losses	-7.08	-6.18	-5.68	-4.03	-3.51
Net Loans	594.3	527.69	519.72	480.49	414.8
Property, Plant & Equipment	9.46	9.38	8.18	8.19	8.37
Goodwill	9.81	9.81	9.81	9.05	9.05
Other Intangible Assets	0.19	0.26	0.34	0.12	0.18
Accrued Interest Receivable	2.39	2.25	2.44	2.12	1.81
Long-Term Deferred Tax Assets	8.2	9.84	11.32	11.97	1.59
Other Real Estate Owned & Foreclosed	-	-	-	-	0.09
Other Long-Term Assets	17.2	17.82	17.67	17.09	18.86
Total Assets	895.26	848.87	870.56	829.62	810.52
Interest Bearing Deposits	529.5	509.47	518.61	499.14	512.88
Institutional Deposits	42.44	41.69	33.41	13.24	13.55
Non-Interest Bearing Deposits	209.87	196.8	197.03	199.13	182.02
Total Deposits	781.8	747.96	749.05	711.51	708.45
Short-Term Borrowings	50.63	43.07	53.76	56.72	5.8
Current Portion of Long-Term Debt	-	5	-	-	-
Current Portion of Leases	0.07	-	-	-	-
Accrued Interest Payable	0.82	0.88	1.4	0.33	0.25
Federal Home Loan Bank Debt, Long-Term	-	-	20	20	20
Long-Term Leases	0.14	-	-	-	-
Pension & Post-Retirement Benefits	1.1	1.1	1.1	1.1	1.2
Other Long-Term Liabilities	3.33	3.41	5.12	4.26	3.53
Total Liabilities	837.89	801.42	830.42	793.93	739.23
Common Stock	5.15	5.15	5.15	5.15	5.15
Additional Paid-In Capital	24.82	24.9	24.92	24.99	25.01
Retained Earnings	56.7	53.13	51.3	49.96	47.3
Treasury Stock	-2.14	-2.4	-2.6	-2.54	-2.8
Comprehensive Income & Other	-27.15	-33.32	-38.64	-41.87	-3.37
Shareholders' Equity	57.37	47.46	40.14	35.69	71.29
Total Liabilities & Equity	895.26	848.87	870.56	829.62	810.52
Total Debt	50.84	48.07	73.76	76.72	25.8
Net Cash (Debt)	-39.23	-37.05	-44.83	-65.45	-10.99
Net Cash Per Share	-7.80	-7.40	-8.93	-13.07	-2.19
Filing Date Shares Outstanding	5.03	5.02	5	5.01	5
Total Common Shares Outstanding	5.02	5	4.99	5	4.99
Book Value Per Share	11.43	9.48	8.04	7.13	14.29
Tangible Book Value	47.37	37.39	29.98	26.53	62.07
Tangible Book Value Per Share	9.44	7.47	6.01	5.30	12.44

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