Juniata Valley Financial Corp
juniatavalley.q4ir.comWhat Do They Do?
Provides consumer and commercial banking, loans, and trust and estate services to consumers and small and mid-sized businesses in central and northern Pennsylvania.
10-K for FY2025, filed Mar 25, 2026Juniata operates primarily in central and northern Pennsylvania with the purpose of delivering financial services within its local markets.…View ↗
The Company offers a full range of consumer and commercial banking services. Consumer banking services include: online account opening…View ↗
The Bank also provides comprehensive trust, asset management and estate services, and the Company has a contractual arrangement with a…View ↗
How Do They Make Money?
The Bank earns interest from loans and investments and receives fees for account services, debit-card transactions, trust services, and brokerage and insurance products. Account transaction and overdraft fees are charged when transactions occur, monthly account fees are charged each month, and debit-card fees arise as transactions are processed.
10-K for FY2025, filed Mar 25, 2026The Company’s reportable segment is determined by the Chief Financial Officer, who is the designated chief operation decision maker…View ↗
Customer Service Fees – fees mainly represent fees from deposit customers for transaction based, account maintenance, and overdraft…View ↗
Debit Card Fee Income – consists of interchange fees from cardholder transactions conducted through the card payment network. Cardholders…View ↗
Trust Fees – include asset management and estate fees. Asset management fees are generally based on a fee schedule, based upon the market…View ↗
Commissions From Sales Of Non-Deposit Products – include, but are not limited to, brokerage services, employer-based retirement solutions…View ↗
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10-K for FY2025, filed Mar 25, 2026
FY2025 revenue by product or service (Non-interest income) ↗
$39M
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10-K for FY2025, filed Mar 25, 2026
$39M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Customer service fees
|
37%
FY2022: 32%
|
Customer service fees, FY2025
$1.9M Sources
|
|
|
Debit card fee income
Usage-based
10-K for FY2025, filed Mar 25, 2026 |
35%
FY2022: 37%
|
Debit card fee income, FY2025
$1.8M Sources
|
Usage-based |
|
Trust fees
Recurring
|
8.8%
FY2022: 10%
|
Trust fees, FY2025
$444K Sources
|
Recurring |
|
Commissions from sales of non-deposit products
Sold outright
|
5.6%
FY2022: 8.3%
|
Commissions from sales of non-deposit products, FY2025
$280K Sources
|
Sold outright |
|
Fees derived from loan activity
|
14%
FY2022: 12%
|
Fees derived from loan activity, FY2025
$681K Sources
|
Who Are Their Customers?
Customers use branches, online and mobile banking, telephone banking, and ATMs for banking services; the company also offers brokerage, investment, and insurance services through a broker-dealer arrangement.
10-K for FY2025, filed Mar 25, 2026Juniata operates primarily in central and northern Pennsylvania with the purpose of delivering financial services within its local markets.…View ↗
The Company offers a full range of consumer and commercial banking services. Consumer banking services include: online account opening…View ↗
The Bank also provides comprehensive trust, asset management and estate services, and the Company has a contractual arrangement with a…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 20 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Mar 25, 2026
10-K for FY2025, filed Mar 25, 2026
$8MView ↗
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 12, 2026
Open tableView ↗
Growing. Revenue grew 59% in 4 years, from $24.6M in FY2021 to $39M in FY2025, about 12% a year.
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