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JUNIATA VALLEY FINANCIAL CORP JUVF
OTC · OOTC · stock · State Commercial Banks · website · IPO 1993-10-27
JUNIATA VALLEY FINANCIAL CORP financials (annual, from 10-K)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | — | — | $10.5M | $3.4M | $3.2M | $4.0M | $4.7M | $3.6M | $2.9M | $2.3M |
| Income tax | $1.4M | $979,000 | $970,000 | $642,000 | $284,000 | -$50,000 | -$14,000 | -$659,000 | $1.1M | $819,000 |
| Net income | $8.0M | $6.2M | $6.6M | $8.3M | $6.6M | $5.6M | $5.8M | $5.9M | $4.5M | $5.2M |
| EPS (diluted) | $1.59 | $1.24 | $1.31 | $1.66 | $1.32 | $1.10 | $1.14 | $1.18 | $0.95 | $1.07 |
| Operating cash flow | $10.1M | $5.3M | $7.9M | $9.9M | $8.9M | $6.8M | $9.9M | $5.3M | $6.8M | $6.3M |
| Cash & equivalents | — | — | — | — | — | $41.6M | $12.7M | $16.5M | $9.9M | $9.6M |
| Total assets | $895.3M | $848.9M | $870.6M | $830.9M | $810.5M | $793.7M | $670.6M | $625.2M | $591.9M | $580.4M |
| Total liabilities | $837.9M | $801.4M | $830.4M | $793.9M | $739.2M | $717.1M | $596.9M | $557.9M | $532.6M | $521.3M |
| Shareholders' equity | $57.4M | $47.5M | $40.1M | $35.7M | $71.3M | $76.6M | $73.7M | $67.4M | $59.4M | $59.1M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | +28.2% | -5.6% | -20.7% | +26.0% | +17.9% | -4.0% | -1.2% | +30.1% | -12.0% | +68.6% |
| EPS growth | +28.2% | -5.3% | -21.1% | +25.8% | +20.0% | -3.5% | -3.4% | +24.2% | -11.2% | +48.6% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Source: SEC EDGAR filings · CIK 0000714712 · as of 2025-12-31. Facts from filings plus Stocktoria's own computed scores — not investment advice.