JUVF — JUNIATA VALLEY FINANCIAL CORP

OTC · Financials · Banks · CIK 714712 ·
Last close
$14.38
Market Cap
$72.37M
52W High
$14.77
52W Low
$13.25
ADV30
1,500
Next earnings
Juniata Valley Financial Corp. operates as the bank holding company for The Juniata Valley Bank that provides retail and commercial banking services to small and mid-sized businesses in central and northern Pennsylvania, the United States. It offers consumer banking services that include online account opening, online banking, mobile banking, telephone banking, automated teller machines, personal checking accounts, checking overdraft privileges, money market deposit accounts, savings accounts, debit cards, certificates of deposit, individual retirement accounts, secured lines of credit, construction and mortgage loans, and safe deposit boxes. The company also provides commercial banking services, such as low and high-volume business checking accounts, online account management services, remote deposit capability, ACH origination, payroll direct deposit, commercial lines of credit, commercial letters of credit, mobile deposit for business customers, and commercial term and demand loans. In addition, it offers trust, asset and wealth management, and estate services; demand and time deposits; financial services, including annuities, mutual funds, stock and bond brokerage services and long-term care insurance; and secured and unsecured commercial and consumer loans. Juniata Valley Financial Corp. was founded in 1867 and is headquartered in Mifflintown, Pennsylvania.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026
Dec 2025 8,232,000 2,008,000 895,263,000 11,448,000 837,890,000
Sep 2025 8,073,000 2,056,000 880,467,000 10,478,000 825,466,000
Jun 2025 7,654,000 1,911,000 866,434,000 12,111,000 814,053,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$10,103,000
Investing CF
$-41,772,000
Financing CF
$32,119,000
CapEx
$-671,000
Dividends Paid
$-4,413,000
Buybacks
$-4,000
EPS Diluted TTM
$1.73
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$56,696,000
Inventory
Receivables
ST Investments
$9,634,000
EBIT TTM
Pretax Income TTM
$9,373,000
Interest Exp TTM
$13,617,000
Analysts

Yahoo Snapshot (yfinance, live)

Total Revenue
$31,359,000
EBITDA
Free Cash Flow
Enterprise Value
$107,634,672
Total Cash
$11,912,000
Total Debt
$47,189,000
Shares Out
5,032,400
Trailing EPS
$1.74
Book Value
$11.93
ROE
15.9%
ROA
1.0%
Div Yield
6.12%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 31,127,000 7,983,000 895,263,000 837,890,000 10,103,000
Dec 2024 28,754,000 6,229,000 848,874,000 801,417,000 5,335,000
Dec 2023 28,029,000 6,596,000 870,555,000 830,418,000 7,865,000
Dec 2022 29,386,000 7,064,000 829,619,000 793,926,000 9,936,000

Peers — same industry

TickerNameMarket CapLastDaily %
DWNX DELHI BANK CORP $71.26M $21.10
STLE STEELE BANCORP INC $74.88M $40.29
PBHC Pathfinder Bancorp, Inc. $68.27M $14.00
OPHC OptimumBank Holdings, Inc. $67.35M $5.49
ASRV AMERISERV FINANCIAL INC /PA/ $64.46M $3.80

News headlines (Yahoo Finance, 1h cache)

Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2026
2026-04-22 13:54 · Yahoo
Juniata Valley Financial Corp. Announces Results for the Quarter and Year Ended December 31, 2025
2026-01-29 14:52 · Yahoo
Juniata Valley Financial Corp. Announces Results for the Quarter Ended September 30, 2025
2025-10-22 18:45 · Yahoo
Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2025
2025-07-23 13:35 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.