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Juniata Valley Financial (JUVF) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 12, 2026 · Juniata Valley Financial (JUVF) Q2 2026 earnings results →
Q2 2026 Revenue up 15% year over year to $8.8M · 29¢ of every $1 of revenue kept as net profit · operating margin 34.1%
Juniata Valley Financial made $8.8M in Q2 2026 (+15% Y/Y). Operating margin 34.1%, net earnings $2.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 12, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $8.8M in Q2 2026, up 15% year over year and up 1% from the previous quarter.
Operating profit was $3.0M, a 34.1% margin (up 4.8 points year over year). Of the extra revenue versus Q2 2025, 66% reached operating profit, above the 29% margin then. Total costs grew 7% against revenue growth of 15%. Net earnings were $2.5M, up 32% year over year. The effective tax rate was 15.9%.
Operating cash flow was $3.2M (up 164% year over year), 128% of net earnings. Non-cash charges added back $42K of share-based compensation. Working capital and other items added $668K. Capital expenditures of $454K left free cash flow of $2.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 12, 2026 | $8.8M | +15% | 34.1% | $2.5M | $3.2M |
| Q3 2025 | 10-Q | Nov 12, 2025 | $8.1M | +12% | 29.9% | $2.1M | $4.5M |
| Q2 2025 | 10-Q | Aug 13, 2025 | $7.7M | +5% | 29.3% | $1.9M | $1.2M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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📈Investments: gains and what it boughtinteractive
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About Juniata Valley Financial
Juniata Valley Financial Corp. (the “Company” or “Juniata”) is a Pennsylvania corporation formed in 1983 as a result of a plan of merger and reorganization of The Juniata Valley Bank (the “Bank”). The plan received regulatory approval on June 7, 1983 and Juniata, a one-bank holding company, registered under the Bank Holding Company Act of 1956 as a bank holding company. The Bank is the oldest independent commercial bank in Juniata and Mifflin Counties and was organized under a state bank charter in 1867. The Company has one reportable segment, consisting of the Bank, as described in Note 1 of The Notes to Consolidated Financial Statements.
In its own words, from its 10-K, filed Mar 25, 2026.
Juniata Valley Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +15% against the peers' median +12%. Operating margin: 34.1% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| JUVF Juniata Valley Financial | Q2 2026 | $8.8M | +15% | 34.1% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Juniata Valley Financial 10-Q on SEC EDGAR · CIK 714712 · State Commercial Banks
More on JUVF
History
Every quarter: Q2 2026 results · Q3 2025 results · Q2 2025 results