Security
JUNIATA VALLEY FINL CORP COM · JUVF
JUVFOTCCommon stockCurrentCIK 714712Updated Oct 23, 2026
JUVF price & chart
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OTC:JUVF on TradingView ↗In the news
THE JUNIATA VALLEY BANK OPENS NEW OFFICE IN BELLEVILLE ↗
Recent filings
Results of Operations and Financial Condition
Items 2.02, 9.01
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
S-8 filing
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 880,467,000Source | 857,956,000Source | 918,913,000Source | 866,434,000Source | 862,677,000Source | 901,897,000Source | 854,007,000Source | 864,418,000Source | 895,263,000Source | 848,874,000Source | 830,381,000Source | 830,875,000Source |
| Property, Plant and Equipment, NetUSD | 9,171,000Source | 9,514,000Source | 9,551,000Source | 9,177,000Source | 9,258,000Source | 9,311,000Source | 9,323,000Source | 8,135,000Source | 9,256,000Source | 9,382,000Source | 8,092,000Source | 8,190,000Source |
| GoodwillUSD | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,047,000Source | 9,047,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 201,000Source | 255,000Source | — | 395,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 825,466,000Source | 811,414,000Source | 856,240,000Source | 814,053,000Source | 819,340,000Source | 841,854,000Source | 803,811,000Source | 822,936,000Source | 837,890,000Source | 801,417,000Source | 794,108,000Source | 793,926,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | — | 0Source |
| Common Stock, Value, IssuedUSD | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source | 5,151,000Source |
| Additional Paid in CapitalUSD | 24,781,000Source | 24,860,000Source | 24,659,000Source | 24,741,000Source | 24,824,000Source | 24,622,000Source | 24,712,000Source | 24,802,000Source | 24,820,000Source | 24,896,000Source | 24,823,000Source | 24,986,000Source |
| Retained Earnings (Accumulated Deficit)USD | 55,793,000Source | 52,736,000Source | 59,804,000Source | 54,840,000Source | 52,201,000Source | 58,389,000Source | 54,034,000Source | 51,554,000Source | 56,696,000Source | 53,126,000Source | 49,739,000Source | 51,217,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -28,584,000Source | -33,809,000Source | -25,054,000Source | -30,211,000Source | -36,443,000Source | -26,201,000Source | -31,522,000Source | -37,583,000Source | -27,154,000Source | -33,320,000Source | -41,088,000Source | -41,867,000Source |
| Stockholders' Equity Attributable to ParentUSD | 55,001,000Source | 46,542,000Source | 62,673,000Source | 52,381,000Source | 43,337,000Source | 60,043,000Source | 50,196,000Source | 41,482,000Source | 57,373,000Source | 47,457,000Source | 36,273,000Source | 36,949,000Source |
| Liabilities and EquityUSD | 880,467,000Source | 857,956,000Source | 918,913,000Source | 866,434,000Source | 862,677,000Source | 901,897,000Source | 854,007,000Source | 864,418,000Source | 895,263,000Source | 848,874,000Source | 830,381,000Source | 830,875,000Source |
| Additional Financial Items | ||||||||||||
| Long-term DebtUSD | 0Source | 5,000,000Source | — | 0Source | 5,000,000Source | — | 5,000,000Source | 20,000,000Source | 0Source | 5,000,000Source | 20,000,000Source | 20,000,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | 2,797,000Source | 2,008,000Source | 7,983,000Source | 6,229,000Source | 6,596,000Source | 8,320,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | 40,000Source | 36,000Source | 42,000Source | 38,000Source | 41,000Source | 37,000Source | 154,000Source | 142,000Source | 143,000Source | 176,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 36,000Source | -35,000Source | -29,000Source | 35,000Source | -31,000Source | 129,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 2,835,000Source | 2,113,000Source | 10,103,000Source | 5,335,000Source | 7,865,000Source | 9,936,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -4,720,000Source | -1,066,000Source | -41,772,000Source | 7,783,000Source | -1,186,000Source | -62,676,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 17,000Source | 4,000Source | 4,000Source | 3,000Source | 324,000Source | 3,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 2,349,000Source | 1,464,000Source | 32,119,000Source | -31,050,000Source | 11,252,000Source | 50,213,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 1,104,000Source | 1,100,000Source | 4,413,000Source | 4,400,000Source | 4,406,000Source | 4,401,000Source |
| Repayments of Long-term DebtUSD | — | — | — | — | — | — | — | — | 5,000,000Source | 15,000,000Source | — | 0Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 464,000Source | 2,511,000Source | 450,000Source | -17,932,000Source | 17,931,000Source | -2,527,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 3,256,000Source | 3,364,000Source | 13,671,000Source | 14,708,000Source | 9,425,000Source | 3,341,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 250,000Source | 250,000Source | 1,201,000Source | 915,000Source | 1,035,000Source | 425,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 16,000Source | 22,000Source | 13,000Source | 17,000Source | 14,000Source | 18,000Source | 68,000Source | 85,000Source | 81,000Source | 54,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 71,000Source | 60,000Source | 71,000Source | 62,000Source | 69,000Source | 57,000Source | 263,000Source | 236,000Source | 222,000Source | 219,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | -209,000Source | — | — | — | — | — | 0Source | -1,453,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 798,000Source | 733,000Source | 563,000Source | 631,000Source |
| Depreciation, NonproductionUSD | — | — | — | — | — | — | 209,000Source | 196,000Source | 798,000Source | 733,000Source | 563,000Source | 631,000Source |
| Equipment ExpenseUSD | — | — | 251,000Source | 248,000Source | 253,000Source | 243,000Source | 252,000Source | 217,000Source | 933,000Source | 863,000Source | 659,000Source | 734,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 115,000Source | 17,000Source | -68,000Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | 64,000Source | 70,000Source | 220,000Source | 40,000Source | 58,000Source | -28,000Source | 131,000Source | — | — | — |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 216,000Source | 232,000Source | 376,000Source | 349,000Source | 180,000Source | 104,000Source | 923,000Source | 534,000Source | — | — |
| Gain (Loss) on Sale of InvestmentsUSD | — | — | — | — | — | — | — | — | — | — | 0Source | -1,453,000Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | — | — | — | — | — | — | — | -1,000Source | -9,000Source | -14,000Source | 46,000Source | 34,000Source |
| Gain (Loss) on Termination of LeaseUSD | — | — | — | — | — | — | — | — | — | 77,000Source | — | — |
| GoodwillUSD | — | — | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,812,000Source | 9,047,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 357,000Source | 270,000Source | 478,000Source | 329,000Source | 563,000Source | 371,000Source | 1,390,000Source | 979,000Source | 970,000Source | 642,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 2,056,000Source | 1,637,000Source | 2,522,000Source | 1,911,000Source | 2,797,000Source | 2,008,000Source | 7,983,000Source | 6,229,000Source | 6,596,000Source | 8,320,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 17,000Source | 24,000Source | 20,000Source | 20,000Source | 20,000Source | 17,000Source | 72,000Source | 140,000Source | 121,000Source | 96,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | — | — | 30,000Source | — | — | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 936,000Source | 961,000Source | 12,151,000Source | 4,742,000Source | 5,470,000Source | 27,918,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | 216,000Source | 232,000Source | 376,000Source | 349,000Source | 180,000Source | 104,000Source | 923,000Source | 534,000Source | 500,000Source | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 2,413,000Source | 1,907,000Source | 3,000,000Source | 2,240,000Source | 3,360,000Source | 2,379,000Source | 9,373,000Source | 7,208,000Source | 7,566,000Source | 8,962,000Source |
| Income Tax Expense (Benefit)USD | — | — | 357,000Source | 270,000Source | 478,000Source | 329,000Source | 563,000Source | 371,000Source | 1,390,000Source | 979,000Source | 970,000Source | 642,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 2,056,000Source | 1,637,000Source | 2,522,000Source | 1,911,000Source | 2,797,000Source | 2,008,000Source | 7,983,000Source | 6,229,000Source | 6,596,000Source | 8,320,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.41Source | 0.33Source | 0.5Source | 0.38Source | 0.56Source | 0.4Source | 1.59Source | 1.25Source | 1.32Source | 1.66Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.41Source | 0.33Source | 0.5Source | 0.38Source | 0.55Source | 0.4Source | 1.59Source | 1.24Source | 1.31Source | 1.66Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 5,019,000Source | 5,003,000Source | 5,033,000Source | 5,017,000Source | 5,025,000Source | 5,009,000Source | 5,016,000Source | 5,001,000Source | 5,010,000Source | 5,000,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 5,036,000Source | 5,014,000Source | 5,049,000Source | 5,029,000Source | 5,043,000Source | 5,022,000Source | 5,031,000Source | 5,010,000Source | 5,018,000Source | 5,009,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 16,000Source | 22,000Source | 13,000Source | 17,000Source | 14,000Source | 18,000Source | 68,000Source | 85,000Source | 81,000Source | 54,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 71,000Source | 60,000Source | 71,000Source | 62,000Source | 69,000Source | 57,000Source | 263,000Source | 236,000Source | 222,000Source | 219,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.22Source | 0.22Source | 0.22Source | 0.22Source | 0.22Source | 0.22Source | 0.88Source | 0.88Source | 0.88Source | 0.88Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 1,419,000Source | 944,000Source | 1,001,000Source | 513,000Source |
| Equipment ExpenseUSD | — | — | 251,000Source | 248,000Source | 253,000Source | 243,000Source | 252,000Source | 217,000Source | 933,000Source | 863,000Source | 659,000Source | 734,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 115,000Source | 17,000Source | -68,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 216,000Source | 232,000Source | 376,000Source | 349,000Source | 180,000Source | 104,000Source | 923,000Source | 534,000Source | — | — |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 10,489,000Source | 3,422,000Source |
| InterestExpenseOperatingUSD | — | — | 3,440,000Source | 3,659,000Source | 3,283,000Source | 3,357,000Source | 3,272,000Source | 3,371,000Source | 13,617,000Source | 14,187,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 6,556,000Source | 5,795,000Source | 7,410,000Source | 6,177,000Source | 7,309,000Source | 5,822,000Source | 25,358,000Source | 22,929,000Source | 22,692,000Source | 24,133,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 17,000Source | 24,000Source | 20,000Source | 20,000Source | 20,000Source | 17,000Source | 72,000Source | 140,000Source | 121,000Source | 96,000Source |
| Business Combination, Acquisition Related Costs | — | — | — | — | — | — | — | — | — | — | — | — |
| Labor and Related Expense | — | — | —Source | —Source | —Source | —Source | — | — | — | — | — | — |
Filing attachments
juvf-ex99d1.htm · 8-K · 2026-10-22
Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended September 30, 2026 and Increased Quarterly Dividend Mifflintown, PA, October 22, 2026 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended September 30, 2026 of $2.9 million, an increase of 40.5% compared to net income of $2.1 million for the three months ended September 30, 2025. Earnings per share, basic and diluted, increased 39.0%, to $…
Read attachment ↗juvf-20260722xex99d1.htm · 8-K · 2026-07-22
EX-99.1 2 juvf-20260722xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2026 Mifflintown, PA, July 22, 2026 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended June 30, 2026 of $2.5 million, an increase of 32.0% compared to net income of $1.9 million for the three months ended June 30, 2025. Earnings per share, basic and diluted, increased 31.6%, to $0.50…
Read attachment ↗juvf-20260519xex99d1.htm · 8-K · 2026-05-19
EX-99.1 2 juvf-20260519xex99d1.htm EX-99.1 Exhibit 99.1 BUILDING MOMENTUM Juniata Valley Financial Corp. 2026 Annual Meeting May 19, 2026 Exhibit 99.1 MARTIN DREIBELBIS CHAIRMAN AGENDA • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominations • Management’s Presentation – Building Momentum • Questions/Comments • Voting Tabulati…
Read attachment ↗juvf-20260422xex99d1.htm · 8-K · 2026-04-22
EX-99.1 2 juvf-20260422xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2026 Mifflintown, PA, April 22, 2026 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended March 31, 2026 of $2.8 million, an increase of 39.3% compared to net income of $2.0 million for the three months ended March 31, 2025. Earnings per share, basic and diluted, for the three months …
Read attachment ↗juvf-20260129xex99d1.htm · 8-K · 2026-01-29
Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter and Year Ended December 31, 2025 Mifflintown, PA, January 29, 2026 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended December 31, 2025 of $2.0 million, an increase of 34.7% compared to net income of $1.5 million for the three months ended December 31, 2024. Earnings per share, basic and diluted, increased to $0.40, for the three months ended D…
Read attachment ↗juvf-20251022xex99d1.htm · 8-K · 2025-10-22
EX-99.1 2 juvf-20251022xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended September 30, 2025 Mifflintown, PA, October 22, 2025 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended September 30, 2025 of $2.1 million, an increase of 25.6% compared to net income of $1.6 million for the three months ended September 30, 2024. Earnings per share, basic and diluted, increas…
Read attachment ↗