Juniata Valley Financial Corp. (JUVF)

Juniata Valley Financial Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	36.24	33.43	31.11	26.73	21.23	19.46
Interest Income on Investments	5.28	5.55	6.01	6.45	6.33	5.09
Total Interest Income	41.52	38.98	37.12	33.18	27.56	24.55
Interest Paid on Deposits	11.37	11.46	11.17	8.25	2.58	2.27
Interest Paid on Borrowings	2.08	2.16	3.02	2.24	0.85	0.95
Total Interest Expense	13.44	13.62	14.19	10.49	3.42	3.22
Net Interest Income	28.08	25.36	22.93	22.69	24.13	21.34
Net Interest Income Growth	18.93%	10.59%	1.04%	-5.97%	13.11%	5.38%
Trust Income	0.44	0.44	0.47	0.47	0.47	0.45
Mortgage Banking Activities	-	-	-	-	0.03	0.04
Gain (Loss) on Sale of Investments	-0.13	-0.19	-0.21	-0.34	-2.32	-0.63
Other Non-Interest Income	5.14	5.16	5.19	4.68	5.86	4.5
Total Non-Interest Income	5.45	5.42	5.45	4.81	4.05	4.36
Non-Interest Income Growth	-0.49%	-0.55%	13.31%	18.81%	-7.09%	-3.67%
Revenues Before Loan Losses	33.53	30.78	28.38	27.5	28.18	25.69
Provision for Loan Losses	1.03	0.92	0.53	0.5	0.46	-0.77
Revenue	32.5	29.85	27.84	27	27.72	26.46
Revenue Growth	14.70%	7.22%	3.12%	-2.61%	4.78%	10.04%
Salaries and Employee Benefits	11.97	11.14	11.33	10.67	10.64	10.54
Federal Deposit Insurance	0.53	0.51	0.58	0.5	0.41	0.31
Amortization of Goodwill & Intangibles	0.06	0.07	0.09	0.08	0.05	0.07
Selling, General & Administrative	6.61	6.5	6.65	6.1	7.43	5.92
Other Non-Interest Expense	2.23	2.29	2.05	2.03	2.24	2.1
Total Non-Interest Expense	21.4	20.51	20.69	19.37	20.73	18.88
EBT Excluding Unusual Items	11.1	9.34	7.15	7.63	6.99	7.58
Other Unusual Items	-	-	-	-	-	-0.69
Pretax Income	11.11	9.37	7.21	7.57	7.37	6.89
Income Tax Expense	1.73	1.39	0.98	0.97	0.31	0.28
Net Income	9.38	7.98	6.23	6.6	7.06	6.6
Net Income to Common	9.38	7.98	6.23	6.6	7.06	6.6
Net Income Growth	33.15%	28.16%	-5.56%	-6.63%	6.97%	17.89%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change	0.63%	0.40%	-0.16%	0.20%	-0.10%	-1.32%
EPS (Basic)	1.87	1.59	1.25	1.32	1.41	1.32
EPS (Diluted)	1.86	1.59	1.24	1.31	1.41	1.32
EPS Growth	32.89%	28.23%	-5.34%	-7.09%	6.84%	19.98%
Dividend Per Share	0.880	0.880	0.880	0.880	0.880	0.880
Dividend Growth	0%	0%	0%	0%	0%	0%
Effective Tax Rate	15.57%	14.83%	13.58%	12.82%	4.18%	4.12%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 3, 2026

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