Juniata Valley Financial Corp. (JUVF)

Juniata Valley Financial Income Statement

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

Year	2023	2022	2021	2020	2019
Revenue	38.5	29.39	26.55	25.57	25.86
Revenue Growth (YoY)	31.02%	10.67%	3.86%	-1.15%	4.26%
Gross Profit	38.5	29.39	26.55	25.57	25.86
Selling, General & Admin	11.31	11.22	11.01	10.41	12.17
Other Operating Expenses	-6.8	-6.63	-30.68	-30.42	-32.21
Operating Expenses	6.8	0.8	-19.67	-20.01	-20.04
Operating Income	-0.56	13.02	6.89	5.55	5.82
Interest Income	33.18	27.56	24.55	24.28	25.61
Interest Expense	2.2	3.42	3.22	4.04	4.71
Other Expense / Income	22.85	28.19	21.34	20.25	20.91
Pretax Income	7.57	8.96	6.89	5.55	5.82
Income Tax	0.97	0.64	0.28	-0.05	-0.01
Net Income	6.6	8.32	6.6	5.6	5.84
Net Income Growth	-20.72%	25.98%	17.89%	-3.99%	6.13%
Shares Outstanding (Basic)	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5
Shares Change	0.18%	-0.08%	-1.32%	-0.80%	2.23%
EPS (Basic)	1.32	1.66	1.32	1.10	1.14
EPS (Diluted)	1.31	1.66	1.32	1.10	1.14
EPS Growth	-21.08%	25.76%	20.00%	-3.51%	3.64%
Free Cash Flow	7.42	9.49	8.59	6.4	8.63
Free Cash Flow Per Share	1.48	1.89	1.71	1.26	1.69
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	-1.46%	44.29%	25.94%	21.72%	22.51%
Profit Margin	17.13%	28.31%	24.87%	21.91%	22.56%
Free Cash Flow Margin	19.28%	32.28%	32.36%	25.05%	33.38%
Effective Tax Rate	12.82%	7.16%	4.12%	-0.90%	-0.24%
EBITDA	0.08	13.07	6.95	5.63	5.91
EBITDA Margin	0.21%	44.47%	26.19%	22.02%	22.84%
Depreciation & Amortization	0.64	0.69	0.78	0.88	0.89
EBIT	-0.56	12.38	6.18	4.75	5.02
EBIT Margin	-1.46%	42.14%	23.26%	18.56%	19.41%

Sources: The data provider is Financial Modeling Prep and the numbers are sourced from SEC filings.