Juniata Valley Financial Past Earnings Performance
Past criteria checks 5/6
Juniata Valley Financial has been growing earnings at an average annual rate of 3.3%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been growing at an average rate of 2.7% per year. Juniata Valley Financial's return on equity is 13.8%, and it has net margins of 23.4%.
Key information
3.3%
Earnings growth rate
3.7%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 2.7% |
| Return on equity | 13.8% |
| Net Margin | 23.4% |
| Last Earnings Update | 30 Sep 2024 |
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
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 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 |
| 31 Mar 15 | 18 | 4 | 11 | 0 |
| 31 Dec 14 | 18 | 4 | 11 | 0 |
| 30 Sep 14 | 17 | 4 | 11 | 0 |
| 30 Jun 14 | 17 | 4 | 11 | 0 |
| 31 Mar 14 | 17 | 4 | 11 | 0 |
| 31 Dec 13 | 17 | 4 | 11 | 0 |
Quality Earnings: JUVF has high quality earnings.
Growing Profit Margin: JUVF's current net profit margins (23.4%) are higher than last year (21.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: JUVF's earnings have grown by 3.3% per year over the past 5 years.
Accelerating Growth: JUVF's earnings growth over the past year (11.2%) exceeds its 5-year average (3.3% per year).
Earnings vs Industry: JUVF earnings growth over the past year (11.2%) exceeded the Banks industry -12.2%.
Return on Equity
High ROE: JUVF's Return on Equity (13.8%) is considered low.