JUVF · XBRL financial data
Juniata Valley Financial financial statements, every fiscal year
The same tables from 7 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal years (JUVF's year ends in late December)
| In thousands of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Interest expense | 4,037 | 3,218 | 3,422 | 10,489 | — | — |
| Income tax expense (benefit) | (50) | 284 | 642 | 970 | 979 | 1,390 |
| Net income (loss) | 5,602 | 6,604 | 8,320 | 6,596 | 6,229 | 7,983 |
| Earnings per share, basic USD per share | 1.10 | 1.32 | 1.66 | 1.32 | 1.25 | 1.59 |
| Earnings per share, diluted USD per share | 1.10 | 1.32 | 1.66 | 1.31 | 1.24 | 1.59 |
| Weighted average shares, basic thousands of shares | 5,074 | 5,004 | 5,000 | 5,010 | 5,001 | 5,016 |
| Weighted average shares, diluted thousands of shares | 5,080 | 5,013 | 5,009 | 5,018 | 5,010 | 5,031 |
Balance sheet
CSVFiscal years (JUVF's year ends in late December)
| In thousands of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 41,621 | 13,526 | — | — | — | — |
| Property and equipment, net | 8,808 | 8,371 | 8,190 | 8,180 | 9,382 | 9,256 |
| Right-of-use asset | 379 | 293 | 395 | 318 | 255 | 201 |
| Goodwill | 9,047 | 9,047 | 9,047 | 9,812 | 9,812 | 9,812 |
| Total assets | 793,718 | 810,518 | 830,875 | 870,555 | 848,874 | 895,263 |
| Total deposits | 622,866 | 708,447 | 711,512 | 749,045 | 747,957 | 781,799 |
| Total liabilities | 717,121 | 739,228 | 793,926 | 830,418 | 801,417 | 837,890 |
| Retained earnings | 45,096 | 47,298 | 51,217 | 51,297 | 53,126 | 56,696 |
| Total stockholders' equity | 76,597 | 71,290 | 36,949 | 40,137 | 47,457 | 57,373 |
| Total liabilities and equity | 793,718 | 810,518 | 830,875 | 870,555 | 848,874 | 895,263 |
| Common shares outstanding (cover page) thousands of shares | 5,151 | 4,999 | 5,014 | 5,001 | 5,017 | 5,032 |
Cash flows
CSVFiscal years (JUVF's year ends in late December)
| In thousands of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 5,602 | 6,604 | 8,320 | 6,596 | 6,229 | 7,983 |
| Stock-based compensation | 128 | 158 | 176 | 143 | 142 | 154 |
| Net cash from operating activities | 6,775 | 8,866 | 9,936 | 7,865 | 5,335 | 10,103 |
| Net cash from investing activities | (92,548) | (53,874) | (62,676) | (1,186) | 7,783 | (41,772) |
| Proceeds from issuing common stock | — | — | — | — | 32 | 30 |
| Share repurchases | 1,452 | 861 | 3 | 324 | 3 | 4 |
| Dividends paid | 4,465 | 4,402 | 4,401 | 4,406 | 4,400 | 4,413 |
| Proceeds from long-term debt | 0 | — | — | — | — | — |
| Repayments of long-term debt | 10,000 | 15,000 | 0 | 0 | 15,000 | 5,000 |
| Net cash from financing activities | 114,654 | 16,913 | 50,213 | 11,252 | (31,050) | 32,119 |
| Net change in cash | 28,881 | (28,095) | (2,527) | 17,931 | (17,932) | 450 |
Compare with peers
SIC 6022 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6022 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($K) | Revenue, quarter ($K) | Operating cash flow, quarter ($K) | Shares outstanding | Quarter |
|---|---|---|---|---|---|
| Juniata Valley Financial | 5,750 | 8,802 | 3,232* | 5.0M | 10-QJun 30, 2026 |
| Uwharrie Capital | 91,712 | not reported | 7,014* | 7.1M | 10-QJun 30, 2026 |
| United Bancorp | 45,984 | not reported | 1,036* | 5.7M | 10-QJun 30, 2026 |
| F&M Bank | 60,754 | not reported | 5,030* | 3.6M | 10-QJun 30, 2026 |
| Avidbank Holdings | 159,909 | not reported | 15,863* | 11.0M | 10-QJun 30, 2026 |
| First US Bancshares | 58,937 | not reported | 697* | 5.5M | 10-QJun 30, 2026 |
| Bank of the James Financial Group | 35,545 | not reported | 632* | 4.5M | 10-QJun 30, 2026 |
| Auburn National Bancorporation | 211,649 | not reported | 1,511* | 3.5M | 10-QJun 30, 2026 |
| Peoples Financial | 24,054 | not reported | 717* | 4.6M | 10-QJun 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.