SequelSEC

JUNIATA VALLEY FINANCIAL CORP JUVF

State Commercial Banks · CIK 0000714712 · Fiscal year ends 1231 · Bank

AnnualQuarterlyTTM
Revenue
$8.80M
Fiscal year ended 2026-06-30
Net income
$2.52M
Fiscal year ended 2026-06-30
Total assets
$918.91M
Fiscal year ended 2026-06-30

Valuation, from the filing

Public float$62.08MMarket value of stock held by non-affiliates, as stated on the cover page for 2025-06-30
Float per share$12.34Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself.
Float / net income7.8×A lower bound on the multiple, because affiliate holdings are excluded.
Float / equity1.1×A lower bound on the multiple, because affiliate holdings are excluded.

Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.

Valuation over time

7.8× earnings today, against a median of 13.3× across 10 years on record. Below its own history.

Float measuredPublic floatFloat / net income
2025-06-30$62.08M7.8×
2024-06-30$55.96M9.0×
2023-06-30$71.40M10.8×
2022-06-30$72.45M10.3×
2021-06-30$80.15M12.1×
2020-06-30$81.18M14.5×
2019-06-28$100.32M17.2×
2018-06-30$111.38M18.9×
2017-06-30$92.87M20.5×
2016-06-30$82.62M16.0×

Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.

How this compares in its industry

Percentile among the State Commercial Banks filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.

MeasureReportedPercentile
Effective tax rate14.8%8th

JUNIATA VALLEY FINANCIAL CORP (JUVF) reported revenue of $8.80M and net income of $2.52M for the fiscal year ended 2026-06-30. This page shows 5 annual periods of income statement, balance sheet and cash flow figures normalized from JUNIATA VALLEY FINANCIAL CORP’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

JUNIATA VALLEY FINANCIAL CORP income by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-09-302025-06-302024-09-302024-06-30
Revenue$8.80M$8.07M$7.65M$7.24M$7.26M
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$2.52M$2.06M$1.91M$1.64M$1.75M
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 5.05Mshares 5.04Mshares 5.03Mshares 5.01Mshares 5.01M
Pretax income$3.00M$2.41M$2.24M$1.91M$2.04M
Income tax expense$478.00K$357.00K$329.00K$270.00K$296.00K
Diluted EPS$0.50$0.41$0.38$0.33$0.35
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

JUNIATA VALLEY FINANCIAL CORP balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-09-302025-06-302024-09-302024-06-30
Cash & equivalentsUnavailableUnavailableUnavailableUnavailableUnavailable
Total assets$918.91M$880.47M$866.43M$857.96M$862.68M
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$856.24M$825.47M$814.05M$811.41M$819.34M
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$62.67M$55.00M$52.38M$46.54M$43.34M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailable
Goodwill$9.81M$9.81M$9.81M$9.81M$9.81M
Long-term debtUnavailable$0$0$5.00M$5.00M
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

JUNIATA VALLEY FINANCIAL CORP cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-09-302025-06-302024-09-302024-06-30
Operating cash flowUnavailable$4.48MUnavailable$2.00MUnavailable
Capital expendituresUnavailableUnavailableUnavailableUnavailableUnavailable
Investing cash flowUnavailable-$14.31MUnavailable$8.03MUnavailable
Financing cash flowUnavailable$8.19MUnavailable-$9.04MUnavailable
Net change in cashUnavailable-$1.63MUnavailable$996.00KUnavailable
Stock-based compensation$42.00K$40.00K$38.00K$36.00K$36.00K
Common dividends paidUnavailable$1.10MUnavailable$1.10MUnavailable
Common share repurchasesUnavailable$0Unavailable$0Unavailable
Depreciation & amortizationUnavailableUnavailableUnavailableUnavailableUnavailable

Derived

JUNIATA VALLEY FINANCIAL CORP derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-09-302025-06-302024-09-302024-06-30
Free cash flowUnavailableUnavailableUnavailableUnavailableUnavailable
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailableUnavailable
SBC / revenue0.5%0.5%0.5%0.5%0.5%
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growth15.0%11.5%5.4%UnavailableUnavailable
Net margin28.7%25.5%25.0%22.6%24.1%
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debt / equityUnavailable0.00xUnavailableUnavailableUnavailable
Effective tax rate15.9%14.8%14.7%14.2%14.5%

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open JUVF in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-12View SEC filing
10-Q · Filed 2026-05-13View SEC filing
10-K · Filed 2026-03-25View SEC filing
10-Q · Filed 2025-11-12View SEC filing
10-Q · Filed 2025-08-13View SEC filing
10-Q · Filed 2025-05-13View SEC filing

Companies in the same industry

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Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.