Juniata Valley Financial Corp. (JUVF)

Juniata Valley Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	31.42	31.11	26.73	21.23	19.46	19.25
Interest Income on Investments	5.88	6.01	6.45	6.33	5.09	5.03
Total Interest Income	37.3	37.12	33.18	27.56	24.55	24.28
Interest Paid on Deposits	11.33	11.17	8.25	2.58	2.27	2.95
Interest Paid on Borrowings	2.76	3.02	2.24	0.85	0.95	1.09
Total Interest Expense	14.09	14.19	10.49	3.42	3.22	4.04
Net Interest Income	23.21	22.93	22.69	24.13	21.34	20.25
Net Interest Income Growth (YoY)	3.33%	1.04%	-5.97%	13.11%	5.38%	-3.16%
Trust Income	0.49	0.47	0.47	0.47	0.45	0.41
Mortgage Banking Activities	-	-	-	0.03	0.04	0.05
Gain (Loss) on Sale of Investments	-0.22	-0.21	-0.34	-2.32	-0.63	0
Other Non-Interest Income	5.23	5.19	4.68	5.86	4.5	4.06
Total Non-Interest Income	5.5	5.45	4.81	4.05	4.36	4.52
Non-Interest Income Growth (YoY)	11.71%	13.31%	18.81%	-7.09%	-3.67%	14.25%
Revenues Before Loan Losses	28.71	28.38	27.5	28.18	25.69	24.77
Provision for Loan Losses	0.52	0.53	0.5	0.46	-0.77	0.72
Revenue	28.19	27.84	27	27.72	26.46	24.05
Revenue Growth (YoY)	4.38%	3.12%	-2.61%	4.78%	10.04%	-5.46%
Salaries and Employee Benefits	11	11.33	10.67	10.64	10.54	10.05
Federal Deposit Insurance	0.56	0.58	0.5	0.41	0.31	0.23
Amortization of Goodwill & Intangibles	0.08	0.09	0.08	0.05	0.07	0.08
Selling, General & Administrative	6.68	6.65	6.1	7.43	5.92	5.51
Other Non-Interest Expense	1.91	2.05	2.03	2.24	2.1	2.1
Total Non-Interest Expense	20.22	20.69	19.37	20.73	18.88	17.97
EBT Excluding Unusual Items	7.98	7.15	7.63	6.99	7.58	6.08
Other Unusual Items	-	-	-	-	-0.69	-0.52
Pretax Income	8.03	7.21	7.57	7.37	6.89	5.55
Income Tax Expense	1.15	0.98	0.97	0.31	0.28	-0.05
Net Income	6.88	6.23	6.6	7.06	6.6	5.6
Net Income to Common	6.88	6.23	6.6	7.06	6.6	5.6
Net Income Growth	10.68%	-5.56%	-6.63%	6.97%	17.89%	-3.99%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	-0.08%	-0.16%	0.20%	-0.10%	-1.32%	-0.79%
EPS (Basic)	1.38	1.25	1.32	1.41	1.32	1.10
EPS (Diluted)	1.37	1.24	1.31	1.41	1.32	1.10
EPS Growth	11.39%	-5.34%	-7.09%	6.84%	19.98%	-3.51%
Dividend Per Share	0.880	0.880	0.880	0.880	0.880	0.880
Effective Tax Rate	14.31%	13.58%	12.82%	4.18%	4.12%	-

Updated Jan 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.