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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	37.61	33.43	31.11	26.73	21.23	19.46
Interest Income on Investments	5.15	5.55	6.01	6.45	6.33	5.09
Total Interest Income	42.76	38.98	37.12	33.18	27.56	24.55
Interest Paid on Deposits	11.39	11.46	11.17	8.25	2.58	2.27
Interest Paid on Borrowings	1.92	2.16	3.02	2.24	0.85	0.95
Total Interest Expense	13.31	13.62	14.19	10.49	3.42	3.22
Net Interest Income	29.45	25.36	22.93	22.69	24.13	21.34
Net Interest Income Growth	20.84%	10.59%	1.04%	-5.97%	13.11%	5.38%
Trust Income	0.46	0.44	0.47	0.47	0.47	0.45
Mortgage Banking Activities	-	-	-	-	0.03	0.04
Gain (Loss) on Sale of Investments	-0.17	-0.19	-0.21	-0.34	-2.32	-0.63
Other Non-Interest Income	5.1	5.16	5.19	4.68	5.86	4.5
Total Non-Interest Income	5.39	5.42	5.45	4.81	4.05	4.36
Non-Interest Income Growth	-2.85%	-0.55%	13.31%	18.81%	-7.09%	-3.67%
Revenues Before Loan Losses	34.84	30.78	28.38	27.5	28.18	25.69
Provision for Loan Losses	1	0.92	0.53	0.5	0.46	-0.77
Revenue	33.84	29.85	27.84	27	27.72	26.46
Revenue Growth	15.96%	7.22%	3.12%	-2.61%	4.78%	10.04%
Salaries and Employee Benefits	12.01	11.14	11.33	10.67	10.64	10.54
Federal Deposit Insurance	0.55	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	6.77	6.5	6.65	6.1	7.43	5.92
Other Non-Interest Expense	2.31	2.29	2.05	2.03	2.24	2.1
Total Non-Interest Expense	21.7	20.51	20.69	19.37	20.73	18.88
EBT Excluding Unusual Items	12.15	9.34	7.15	7.63	6.99	7.58
Other Unusual Items	-	-	-	-	-	-0.69
Pretax Income	12.17	9.37	7.21	7.57	7.37	6.89
Income Tax Expense	1.95	1.39	0.98	0.97	0.31	0.28
Net Income	10.22	7.98	6.23	6.6	7.06	6.6
Net Income to Common	10.22	7.98	6.23	6.6	7.06	6.6
Net Income Growth	36.83%	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	0.34%	0.40%	-0.16%	0.20%	-0.10%	-1.32%
EPS (Basic)	2.03	1.59	1.25	1.32	1.41	1.32
EPS (Diluted)	2.03	1.59	1.24	1.31	1.41	1.32
EPS Growth	37.10%	28.23%	-5.34%	-7.09%	6.84%	19.98%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.882	0.880	0.880	0.880	0.880	0.880
Dividend Growth	0.28%	0%	0%	0%	0%	0%
Effective Tax Rate	16.03%	14.83%	13.58%	12.82%	4.18%	4.12%

Data Source: S&P Global Market Intelligence Last updated: Sep 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:

Oct 28, 2026

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