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Juniata Valley Financial Corp  (JUVF)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
 
Price: $12.5000 $-0.02 -0.160%
Day's High: $12.65 Week Perf: -9.09 %
Day's Low: $ 12.50 30 Day Perf: 1.63 %
Volume (M): 0 52 Wk High: $ 17.00
Volume (M$): $ 3 52 Wk Avg: $13.45
Open: $12.65 52 Wk Low: $10.05



 Market Capitalization (Millions $) 62
 Shares Outstanding (Millions) 5
 Employees 105
 Revenues (TTM) (Millions $) 30
 Net Income (TTM) (Millions $) 8
 Cash Flow (TTM) (Millions $) 14
 Capital Exp. (TTM) (Millions $) 0

Juniata Valley Financial Corp

Juniata operates primarily in central and northern Pennsylvania with the purpose of delivering financial services within its local markets. The Company provides retail and commercial banking services through 15 offices in the following locations: five community offices in Juniata County; five community offices in Mifflin County, as well as a financial services office; two community offices in McKean County; one community office in each of Potter, Perry and Huntingdon Counties; and a loan production office in Centre County. The Company offers a full range of consumer and commercial banking services. Consumer banking services include: Internet banking; mobile banking; telephone banking; twelve automated teller machines; personal checking accounts; club 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. Commercial banking services include: low and high-volume business checking accounts; Internet account management services; remote deposit capability; ACH origination; payroll direct deposit; commercial lines of credit; commercial letters of credit; and commercial term and demand loans. The Bank provides comprehensive trust, asset management and estate services, and the Company has a contractual arrangement with a broker-dealer to offer a full range of financial services, including annuities, mutual funds, stock and bond brokerage services and long-term care insurance to the Bank’s customers. Management believes the Bank has a relatively stable deposit base with no major seasonal depositor or group of depositors. Most of the Company’s commercial customers are small and mid-sized businesses in central and northern Pennsylvania.

Juniata’s loan underwriting policies are updated periodically and are presented for approval to the Board of Directors of the Bank. The purpose of the policies is to grant loans on a sound and collectible basis, to invest available funds in a safe, profitable manner, to serve the credit needs of the communities in Juniata’s primary market area and to ensure that all loan applicants receive fair and equal treatment in the lending process. It is the intent of the underwriting policies to seek to minimize loan losses by requiring careful investigation of the credit history of each applicant, verifying the source of repayment and the ability of the applicant to repay, securing those loans in which collateral is deemed to be required, exercising care in the documentation of the application, review, approval and origination process and administering a comprehensive loan collection program.

The major types of investments held by Juniata consist of obligations and securities issued by U.S. government agencies or corporations, obligations of state and local political subdivisions, mortgage-backed securities and common stock. Juniata’s investment policy directs that investments be managed in a way that provides necessary funding for the Company’s liquidity needs and adequate collateral to pledge for public funds held and, as directed by the Asset Liability Committee, manages interest rate risk. The investment policy specifies the types of permitted investments owned, addresses credit quality of investments and includes limitations by investment types and issuer.

The Company’s primary source of funds is deposits, consisting of transaction type accounts, such as demand deposits and savings accounts, and time deposits, such as certificates of deposit. The majority of deposits are held by customers residing or located in Juniata’s market area. No material portion of the deposits has been obtained from a single or small group of customers, and the Company believes that the loss of any customer’s deposits or a small group of customers’ deposits would not have a material adverse effect on the Company.

Other sources of funds used by the Company include retail repurchase agreements, borrowings from the Federal Home Loan Bank of Pittsburgh and lines of credit established with various correspondent banks for overnight funding.



   Company Address: Bridge and Main Streets Mifflintown 17059 PA
   Company Phone Number: 582-5101   Stock Exchange / Ticker: NONE JUVF
   


Customers Net Income fell by JUVF's Customers Net Profit Margin fell to

-20.39 %

7.89 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
BK   -0.33%    
BPOP   -2.49%    
CFG   -1%    
FCNCA        0.04% 
FITB   -2.51%    
MTB   -1.61%    
• View Complete Report
   



Juniata Valley Financial Corp

Juniata Valley Financial Corp defies demand surge, but profits plummet: Here's why.



In the dynamic world of the stock market, investors are constantly on the lookout for companies that demonstrate consistent growth and solid financial performance. Juniata Valley Financial Corp (JUVF) has recently reported its financial results for the most recent fiscal period, revealing some interesting trends and figures.
Revenue and Earnings Performance:
Despite an impressive revenue increase of 4.63% to $7.01 million in the most recent fiscal period compared to $6.70 million in the previous year, Juniata Valley Financial Corp's earnings per share (EPS) witnessed a decline of -20%, falling to $0.28 per share. It is noteworthy that the company reported an EPS of $0.35 in the second quarter of 2021.

Juniata Valley Financial Corp

Juniata Valley Financial Corp (JUVF) Experiences Spectacular Revenue Surge in Q1 2023 Financial Results

Investors of Juniata Valley Financial Corp (JUVF) can feel optimistic as the company's recent financial reporting has shown significant growth in earnings per share (EPS) and revenue, despite some fluctuations.
JUVF witnessed an EPS growth of 33.13% to $0.35 in the financial interval closing March 31, 2023, in comparison to the prior year's financial reporting period. Additionally, the company's revenue also increased by 9.775% to $6.74 million, which is a significant improvement over the $6.14 million recorded in the prior year.






 

Juniata Valley Financial's Segments
 
 
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