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Juniata Valley Financial cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$2.8M in Q2 2026 · $11.7M over twelve months

Operating cash flow$3.2M
Capital spending−$454K
Free cash flow+$2.8M
Cash / net income1.3×

Analysis

In Q2 2026, Juniata Valley Financial generated $3.2M of operating cash flow and spent $454K on capital projects, leaving free cash flow of $2.8M. That is $1.6M more than in Q2 2025 ($1.2M).

Over the twelve months to Jun 30, 2026, operating cash flow was $12.8M; the largest uses were other investing ($45.9M), dividends ($4.4M), capital spending ($1.2M); besides operations, cash came from other financing ($40.5M), shares issued ($26K); the cash balance rose by $1.9M.

Operating cash flow was $3.2M against net income of $2.5M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes +$118K, stock-based pay +$42K, impairments −$0.

Free cash flow

Juniata Valley Financial: free cash flow by quarterJuniata Valley Financial: free cash flow by quarter$1.5MQ3 2024$420KQ4 2024$2.0MQ1 2025$1.2MQ2 2025$4.3MQ3 2025$2.0MQ4 2025$2.6MQ1 2026$2.8MQ2 2026
Operating cash flow less capital spending.
Juniata Valley Financial: operating cash flow against capital spendingJuniata Valley Financial: operating cash flow against capital spendingOperating cash flowCapital spending$2.0M$463KQ3 2024$492K$72KQ4 2024$2.1M$137KQ1 2025$1.2M$51KQ2 2025$4.5M$194KQ3 2025$2.3M$239KQ4 2025$2.8M$264KQ1 2026$3.2M$454KQ2 2026
Latest (Q2 2026): Operating cash flow $3.2M, Capital spending $454K.

Capital allocation, year by year

Juniata Valley Financial: where the cash came from (up) and went (down), by fiscal yearJuniata Valley Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $8.9MFY2021: Net borrowing −$15.0MFY2021: Shares issued $77KFY2021: Capital spending −$274KFY2021: Buybacks −$861KFY2021: Dividends −$4.4M$8.9MFY2021FY2022: Operating cash flow $9.9MFY2022: Shares issued $69KFY2022: Capital spending −$449KFY2022: Buybacks −$3KFY2022: Dividends −$4.4M$10.0MFY2022FY2023: Operating cash flow $7.9MFY2023: Shares issued $62KFY2023: Asset sales $52KFY2023: Capital spending −$356KFY2023: Buybacks −$324KFY2023: Dividends −$4.4M$8.0MFY2023FY2024: Operating cash flow $5.3MFY2024: Net borrowing −$15.0MFY2024: Shares issued $64KFY2024: Capital spending −$1.9MFY2024: Buybacks −$3KFY2024: Dividends −$4.4M$5.4MFY2024FY2025: Operating cash flow $10.1MFY2025: Net borrowing −$5.0MFY2025: Shares issued $30KFY2025: Capital spending −$621KFY2025: Buybacks −$4KFY2025: Dividends −$4.4M$10.1MFY2025
Over these 5 years operating cash flow totalled $42.1M; the largest uses were net borrowing ($35.0M) and dividends ($22.0M). Cash-flow statements as filed.

Where the cash came from and went

Juniata Valley Financial: sources (+) and uses (−) of cash, Q2 2026Juniata Valley Financial: sources (+) and uses (−) of cash, Q2 2026Other financing$14.4MOther investing−$14.0MOperating cash flow$3.2MCash drawn (+) / kept (−)−$2.1MDividends−$1.1MCapital spending−$454K
Juniata Valley Financial: sources (+) and uses (−) of cash, TTM to Q2 2026Juniata Valley Financial: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing−$45.9MOther financing$40.5MOperating cash flow$12.8MDividends−$4.4MCash drawn (+) / kept (−)−$1.9MCapital spending−$1.2MShares issued$26KBuybacks−$17K

From profit to cash

Juniata Valley Financial: net income to operating cash flow, Q2 2026Juniata Valley Financial: net income to operating cash flow, Q2 2026Net income$2.5MStock-based pay$42KDeferred taxes$118KOperating cash flow$3.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q2 2026$3.2M−$454K—−$1.1M−$2.1M$2.8M
Q1 2026$2.8M−$264K−$17K−$1.1M−$464K$2.6M
Q4 2025$2.3M−$239K—−$1.1M−$970K$2.0M
Q3 2025$4.5M−$194K—−$1.1M$1.6M$4.3M
Q2 2025$1.2M−$51K—−$1.1M$1.4M$1.2M
Q1 2025$2.1M−$137K−$4K−$1.1M−$2.5M$2.0M
Q4 2024$492K−$72K—−$1.1M$937K$420K
Q3 2024$2.0M−$463K—−$1.1M−$996K$1.5M

Juniata Valley Financial: income statement and cash flow

Juniata Valley Financial, Q2 2026: revenue $8.8M (+15% year over year), operating margin 34.1%. The chart follows the revenue to costs, profit and cash.

Juniata Valley Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.