Financial Snapshot

Revenue
$27.77M
TTM
Gross Margin
Net Earnings
$6.412M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$46.54M
Q3 2024
Cash
Q3 2024
P/E
10.14
Nov 12, 2024 EST
Free Cash Flow
$4.759M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $33.18M $27.56M $24.55M $24.28M $25.61M $23.65M $21.37M $20.47M
YoY Change 20.42% 12.23% 1.11% -5.2% 8.3% 10.65% 4.42%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $33.18M $27.56M $24.55M $24.28M $25.61M $23.65M $21.37M $20.47M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $563.0K $631.0K $712.0K $806.0K $801.0K $815.0K $672.0K $595.0K $560.0K $540.0K $550.0K $570.0K $630.0K $620.0K $640.0K $740.0K $700.0K $610.0K
YoY Change -10.78% -11.38% -11.66% 0.62% -1.72% 21.28% 12.94% 6.25% 3.7% -1.82% -3.51% -9.52% 1.61% -3.13% -13.51% 5.71% 14.75% 3.39%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Interest Expense $10.49M $3.422M $3.218M $4.037M $4.708M $3.635M $2.855M $2.268M
YoY Change 206.52% 6.34% -20.29% -14.25% 29.52% 27.32% 25.88%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Pretax Income $7.566M $8.962M $6.888M $5.552M $5.821M $5.245M $5.597M $5.975M $3.140M $4.740M $4.510M $4.630M $6.220M $6.550M $6.910M $7.780M $7.530M $7.080M
YoY Change -15.58% 30.11% 24.06% -4.62% 10.98% -6.29% -6.33% 90.29% -33.76% 5.1% -2.59% -25.56% -5.04% -5.21% -11.18% 3.32% 6.36% 12.2%
Income Tax $970.0K $642.0K $284.0K -$50.00K -$14.00K -$659.0K $1.060M $819.0K $80.00K $530.0K $510.0K $980.0K $1.540M $1.630M $1.810M $2.060M $2.100M $2.080M
% Of Pretax Income 12.82% 7.16% 4.12% -0.9% -0.24% -12.56% 18.94% 13.71% 2.55% 11.18% 11.31% 21.17% 24.76% 24.89% 26.19% 26.48% 27.89% 29.38%
Net Earnings $6.596M $8.320M $6.604M $5.602M $5.835M $5.904M $4.537M $5.156M $3.060M $4.220M $4.000M $3.650M $4.680M $4.920M $5.110M $5.720M $5.430M $5.000M
YoY Change -20.72% 25.98% 17.89% -3.99% -1.17% 30.13% -12.01% 68.5% -27.49% 5.5% 9.59% -22.01% -4.88% -3.72% -10.66% 5.34% 8.6% 9.41%
Net Earnings / Revenue 19.88% 30.19% 26.9% 23.07% 22.78% 24.96% 21.23% 25.19%
Basic Earnings Per Share $1.32 $1.66 $1.32 $1.10 $1.14 $1.18 $0.95 $1.07
Diluted Earnings Per Share $1.31 $1.660M $1.32 $1.10 $1.14 $1.18 $0.95 $1.07 $721.7K $1.007M $950.1K $862.9K $1.104M $1.144M $1.175M $1.303M $1.223M $1.114M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $8.180M $8.190M $8.700M $9.200M $9.700M $8.700M $8.900M $6.900M $6.900M $6.500M $6.300M $6.500M $6.700M $7.100M $6.900M $7.400M $7.300M $6.500M
YoY Change -0.12% -5.86% -5.43% -5.15% 11.49% -2.25% 28.99% 0.0% 6.15% 3.17% -3.08% -2.99% -5.63% 2.9% -6.76% 1.37% 12.31%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $0.00 $4.800M $4.700M $4.600M $4.400M $4.200M $4.000M $4.200M $3.600M $3.300M $3.200M $3.000M $2.900M
YoY Change -100.0% 2.13% 2.17% 4.55% 4.76% 5.0% -4.76% 16.67% 9.09% 3.13% 6.67% 3.45%
Other Assets $11.32M $11.84M $1.700M -$100.0K $600.0K $1.000M $700.0K $1.200M $1.100M $700.0K $600.0K $1.100M
YoY Change -4.38% 596.35% -1800.0% -116.67% -40.0% 42.86% -41.67% 9.09% 57.14% 16.67% -45.45%
Total Long-Term Assets
YoY Change
Total Assets $871.8M $830.9M $810.5M $793.7M $670.6M $625.2M $591.9M $580.4M $583.9M $480.5M $448.8M $448.9M $447.4M $435.8M $442.1M $428.1M $420.1M $415.9M
YoY Change
Accounts Payable $7.612M $5.693M $4.700M $4.600M $4.800M $5.000M $6.500M $6.700M $7.800M $5.300M $4.000M $5.100M $1.200M $1.200M $1.100M $5.900M $5.600M $5.900M
YoY Change 33.71% 21.13% 2.17% -4.17% -4.0% -23.08% -2.99% -14.1% 47.17% 32.5% -21.57% 325.0% 0.0% 9.09% -81.36% 5.36% -5.08%
Accrued Expenses $326.0K $403.0K $300.0K $400.0K $500.0K
YoY Change -19.11% 34.33% -25.0% -20.0%
Deferred Revenue
YoY Change
Short-Term Debt $951.0K $1.011M $5.800M $6.300M $5.000M $4.500M $11.40M $6.000M $6.500M $6.000M $6.800M $5.100M $3.500M $3.300M $3.200M $1.900M $5.400M $6.100M
YoY Change -5.93% -82.57% -7.94% 26.0% 11.11% -60.53% 90.0% -7.69% 8.33% -11.76% 33.33% 45.71% 6.06% 3.13% 68.42% -64.81% -11.48%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $8.563M $5.693M $5.000M $5.000M $5.300M $5.000M $6.500M $6.700M $7.800M $5.300M $4.000M $5.100M $1.200M $1.200M $1.100M $5.900M $5.600M $5.900M
YoY Change 50.41% 13.86% 0.0% -5.66% 6.0% -23.08% -2.99% -14.1% 47.17% 32.5% -21.57% 325.0% 0.0% 9.09% -81.36% 5.36% -5.08%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5.000M $5.000M $0.00 $0.00
YoY Change -100.0% 0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5.000M $5.000M $0.00 $0.00
YoY Change -100.0% 0.0%
Total Liabilities $830.4M $793.9M $739.2M $717.1M $596.9M $557.9M $532.6M $521.3M $524.0M $430.7M $398.8M $398.6M $397.7M $385.8M $391.5M $379.6M $371.6M $368.1M
YoY Change 4.6% 7.4% 3.08% 20.14% 6.99% 4.75% 2.17% -0.52% 21.66% 8.0% 0.05% 0.23% 3.08% -1.46% 3.13% 2.15% 0.95%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Basic Shares Outstanding 5.010M 5.000M 5.004M 5.074M 5.102M 4.987M 4.765M 4.801M 4.240M 4.193M 4.210M 4.231M 4.241M
Diluted Shares Outstanding 5.018M 5.009M 5.013M 5.080M 5.121M 5.009M 4.776M 4.802M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $65.031 Million

About Juniata Valley Financial Corp

Juniata Valley Financial Corp. is a bank holding company, which engages in the provision of consumer and commercial banking services. The company is headquartered in Mifflintown, Pennsylvania and currently employs 122 full-time employees. The firm provides retail and commercial banking and other financial services through 15 branches. The company offers a full range of consumer and commercial banking services. Its consumer banking services include online account opening; online banking, mobile banking, telephone banking, automated teller machines, personal checking accounts, checking overdraft privileges, money market deposit accounts, savings accounts, debit cards, certificates of deposit, individual retirement accounts, secured lines of credit, construction and mortgage loans, and safe deposit boxes. Its commercial banking services include low and high-volume business checking accounts, online account management services, remote deposit capability, ACH origination, payroll direct deposit, commercial lines of credit, commercial letters of credit, mobile deposit for small business customers, and commercial term and demand loans.

Industry: State Commercial Banks Peers: FIRST RELIANCE BANCSHARES INC LINKBANCORP Inc Peoples Financial Corp PNC Financial Services Group Inc