Juniata Valley Financial Past Earnings Performance
Past criteria checks 5/6
Juniata Valley Financial has been growing earnings at an average annual rate of 2.8%, while the Banks industry saw earnings growing at 3.1% annually. Revenues have been growing at an average rate of 3% per year. Juniata Valley Financial's return on equity is 14.6%, and it has net margins of 28%.
Key information
2.83%
Earnings growth rate
2.85%
EPS growth rate
Banks Industry Growth
11.18%
Revenue growth rate
2.97%
Return on equity
14.61%
Net Margin
27.97%
Last Earnings Update
31 Mar 2026
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How Juniata Valley Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
OTCPK:JUVF Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
31
9
18
0
31 Dec 25
30
8
18
0
30 Sep 25
29
7
18
0
30 Jun 25
28
7
17
0
31 Mar 25
28
7
18
0
31 Dec 24
28
6
18
0
30 Sep 24
27
6
17
0
30 Jun 24
27
7
17
0
31 Mar 24
27
6
17
0
31 Dec 23
27
7
17
0
30 Sep 23
27
6
18
0
30 Jun 23
27
6
18
0
31 Mar 23
27
7
18
0
31 Dec 22
28
7
18
0
30 Sep 22
28
8
17
0
30 Jun 22
28
7
17
0
31 Mar 22
27
7
17
0
31 Dec 21
26
7
16
0
30 Sep 21
25
7
16
0
30 Jun 21
25
6
16
0
31 Mar 21
25
6
15
0
31 Dec 20
24
6
16
0
30 Sep 20
24
6
16
0
30 Jun 20
24
5
17
0
31 Mar 20
25
5
17
0
31 Dec 19
25
6
17
0
30 Sep 19
25
6
17
0
30 Jun 19
25
6
16
0
31 Mar 19
24
6
16
0
31 Dec 18
24
6
15
0
30 Sep 18
24
5
15
0
30 Jun 18
23
5
15
0
31 Mar 18
22
4
15
0
31 Dec 17
23
5
14
0
30 Sep 17
23
5
14
0
30 Jun 17
23
6
14
0
31 Mar 17
23
5
14
0
31 Dec 16
22
5
14
0
30 Sep 16
22
4
13
0
30 Jun 16
21
4
13
0
31 Mar 16
20
3
12
0
31 Dec 15
19
3
12
0
30 Sep 15
18
4
12
0
30 Jun 15
18
4
11
0
Quality Earnings: JUVF has high quality earnings.
Growing Profit Margin: JUVF's current net profit margins (28%) are higher than last year (24.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: JUVF's earnings have grown by 2.8% per year over the past 5 years.
Accelerating Growth: JUVF's earnings growth over the past year (27.5%) exceeds its 5-year average (2.8% per year).
Earnings vs Industry: JUVF earnings growth over the past year (27.5%) exceeded the Banks industry 22.8%.
Return on Equity
High ROE: JUVF's Return on Equity (14.6%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/06/14 14:47
End of Day Share Price
2026/06/12 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Juniata Valley Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.