For the quarter ending 2025-09-30, JUVF made $20,397,000 in revenue. $2,056,000 in net income. Net profit margin of 10.08%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 8,624,000 | 8,112,000 | 7,781,000 | 7,676,000 |
| Taxable securities | 1,325,000 | 1,372,000 | 1,365,000 | 1,436,500 |
| Tax-exempt securities | 30,000 | 30,000 | 30,000 | 29,500 |
| Other interest income | 17,000 | 20,000 | 17,000 | 33,500 |
| Long-term debt | - | 21,000 | 30,000 | 74,000 |
| Total interest income | 9,996,000 | 9,534,000 | 9,193,000 | 9,175,500 |
| Deposits | 2,903,000 | 2,889,000 | 2,803,000 | 2,783,000 |
| Short-term borrowings and repurchase agreements | 530,000 | 440,000 | 531,000 | 633,000 |
| Other interest bearing liabilities | 7,000 | 7,000 | 7,000 | 8,500 |
| Total interest expense | 3,440,000 | 3,357,000 | 3,371,000 | 3,498,500 |
| Net interest income | 6,556,000 | 6,177,000 | 5,822,000 | 5,677,000 |
| Provision for credit losses | 216,000 | 349,000 | 104,000 | 91,500 |
| Net interest income after provision for credit losses | 6,340,000 | 5,828,000 | 5,718,000 | 5,585,500 |
| Non-interest income-Bank Servicing | 474,000 | 466,000 | - | - |
| Change in value of equity securities | - | - | - | 18,000 |
| Non-interest income-Debit Card | 458,000 | 450,000 | - | - |
| Earnings on bank-owned life insurance and annuities | 71,000 | 62,000 | 57,000 | 59,000 |
| Non-interest income-Fiduciary And Trust | 106,000 | 112,000 | - | - |
| Non-interest income-Investment Advisory Management And Administrative Service | 60,000 | 69,000 | - | - |
| Non-interest income-Fees Derived From Loan Activity | 202,000 | 158,000 | - | - |
| Non-interest income | - | - | 1,229,000 | 1,252,500 |
| Change in value of equity securities | 64,000 | 40,000 | -28,000 | - |
| Gain from life insurance proceeds | - | 20,000 | - | 14,000 |
| Other non-interest income | 82,000 | 100,000 | 88,000 | 98,500 |
| Total non-interest income | 1,517,000 | 1,477,000 | 1,346,000 | 1,450,500 |
| Employee compensation expense | 2,577,000 | 2,098,000 | 1,975,000 | 2,270,500 |
| Employee benefits | 476,000 | 502,000 | 546,000 | 680,000 |
| Occupancy | 278,000 | 301,000 | 366,000 | 382,500 |
| Equipment | 251,000 | 243,000 | 217,000 | 194,500 |
| Data processing expense | 734,000 | 778,000 | 629,000 | 691,000 |
| Professional fees | 256,000 | 247,000 | 206,000 | 279,000 |
| Taxes, other than income | 45,000 | 95,000 | 31,000 | 46,500 |
| Fdic insurance premiums | 126,000 | 119,000 | 135,000 | 147,500 |
| Amortization of intangible assets | 16,000 | 17,000 | 18,000 | 21,500 |
| Amortization of investment in low income housing partnerships | 80,000 | 80,000 | 81,000 | 80,500 |
| Other non-interest expense | 605,000 | 585,000 | 481,000 | 613,000 |
| Total non-interest expense | 5,444,000 | 5,065,000 | 4,685,000 | 5,406,500 |
| Income before income taxes | 2,413,000 | 2,240,000 | 2,379,000 | 1,629,500 |
| Income tax provision | 357,000 | 329,000 | 371,000 | 206,500 |
| Net income | 2,056,000 | 1,911,000 | 2,008,000 | 1,423,000 |
| Earnings per share, basic | 0.41 | 0.38 | 0.4 | 0.285 |
| Earnings per share, diluted | 0.41 | 0.38 | 0.4 | 0.28 |
| Weighted average number of shares outstanding, basic | 5,019,000 | 5,017,000 | 5,009,000 | -2,501,500 |
| Weighted average number of shares outstanding, diluted | 5,036,000 | 5,029,000 | 5,022,000 | -2,506,500 |
JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)