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Cash Flow Overview

Change in Cash
$2,094K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in deposits
    • Maturities of and principal repa...
    • Sales of debt securities availab...
    • Others
Negative Cash Flow Breakdown
    • Net increase in loans
    • Securities available for sale
    • Net (decrease) increase in short...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
2,522
2,797
2,008
2,056
Provision for credit losses
376
180
254
216
Depreciation
214
209
205
199
Net amortization of securities premiums
-9
-10
-12
-21
Net amortization of loan origination fees (costs)
25
-36
-14
-129
Deferred net loan origination costs
226
159
186
164
Amortization of intangibles
13
14
17
16
Amortization of investment in low-income housing partnerships
80
81
81
80
Net amortization of purchase fair value adjustments
-8
-8
-59
43
Net realized loss on sales and calls of available for sale securities
-209
-
-
-
Change in value of equity securities
220
58
55
64
Earnings on bank owned life insurance and annuities
71
69
73
71
Deferred income tax expense
118
36
-25
-15
Stock-based compensation expense
42
41
39
40
Mortgage servicing right adjustment
-
-
-2
-3
Gain from life insurance proceeds
0
-
10
0
Increase in accrued interest receivable and other assets
180
-769
1,021
-125
Increase (decrease) in accrued interest payable and other liabilities
19
494
-959
2,118
Net cash provided by operating activities
3,232
2,835
2,286
4,482
Securities available for sale
6,853
-
-
-
Restricted stock
38
0
-5
5
Premises and equipment
454
264
239
194
Bank owned life insurance
0
-
0
0
Bank owned life insurance premium and annuity payments
0
0
3
14
Redemption of equity securities
0
0
0
0
Sales of debt securities available for sale
6,791
-
-
-
Maturities of and principal repayments on securities available for sale
8,528
936
6,502
3,643
Maturities of and principal repayments on securities held to maturity
3,516
3,170
3,516
3,793
Redemption of restricted stock
-26
26
-19
-220
Life insurance claims
0
-
129
104
Sale of fixed assets
0
0
46
0
Sale of other assets
14
-
0
0
Net increase in loans
25,902
8,588
23,431
21,414
Net cash used in investing activities
-14,424
-4,720
-13,594
-14,307
Net increase in deposits
17,079
6,842
6,221
16,271
Net (decrease) increase in short-term borrowings and securities sold under agreements to repurchase
-2,712
-3,372
7,162
-6,976
Repayment of long-term debt
0
-
0
0
Cash dividends
1,107
1,104
1,105
1,103
Purchase of treasury stock
0
17
0
0
Treasury stock issued for employee stock plans
26
-
0
0
Net cash provided by financing activities
13,286
2,349
12,278
8,192
Net increase in cash and cash equivalents
2,094
464
970
-1,633
Cash and cash equivalents at beginning of year
11,912
11,448
10,478
10,998
Cash and cash equivalents at end of period
14,006
11,912
11,448
10,478
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase indeposits$17,079K (50.48%↑ Y/Y)Net income$2,522K (-35.65%↓ Y/Y)Provision for creditlosses$376K (-17.00%↓ Y/Y)Depreciation$214K (-45.69%↓ Y/Y)Net realized loss onsales and calls of...-$209K Treasury stock issued foremployee stock plans$26K (-13.33%↓ Y/Y)Increase in accruedinterest receivable and...$180K (680.65%↑ Y/Y)Deferred income taxexpense$118K (972.73%↑ Y/Y)Amortization of investment inlow-income housing...$80K (-50.31%↓ Y/Y)Stock-based compensationexpense$42K (-44.00%↓ Y/Y)Increase (decrease) inaccrued interest...$19K (101.59%↑ Y/Y)Amortization of intangibles$13K (-62.86%↓ Y/Y)Net amortization ofsecurities premiums-$9K (84.75%↑ Y/Y)Net cash provided byfinancing activities$13,286K (14.05%↑ Y/Y)Net cash provided byoperating activities$3,232K (-3.09%↓ Y/Y)Canceled cashflow$3,819K Canceled cashflow$550K Net increase in cashand cash...$2,094K (88.14%↑ Y/Y)Canceled cashflow$14,424K Net (decrease)increase in short-term...-$2,712K (-136.27%↓ Y/Y)Cash dividends$1,107K (-49.80%↓ Y/Y)Maturities of and principalrepayments on securities...$8,528K (325.12%↑ Y/Y)Sales of debtsecurities available for...$6,791K Maturities of and principalrepayments on securities...$3,516K (-47.78%↓ Y/Y)Sale of other assets$14K Deferred net loanorigination costs$226K (-31.52%↓ Y/Y)Change in value ofequity securities$220K (1733.33%↑ Y/Y)Earnings on bank ownedlife insurance and...$71K (-40.34%↓ Y/Y)Net amortization ofloan origination...$25K (-53.70%↓ Y/Y)Net amortization ofpurchase fair value...-$8K (55.56%↑ Y/Y)Net cash used ininvesting activities-$14,424K (-3.99%↓ Y/Y)Canceled cashflow$18,849K Net increase inloans$25,902K (17.40%↑ Y/Y)Securities available forsale$6,853K Premises and equipment$454K (141.49%↑ Y/Y)Restricted stock$38K Redemption of restrictedstock-$26K (-110.53%↓ Y/Y)

JUNIATA VALLEY FINANCIAL CORP (JUVF)

JUNIATA VALLEY FINANCIAL CORP (JUVF)