Filing Flows › Juniata Valley Financial (JUVF) › Q2 2025
Juniata Valley Financial (JUVF) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 13, 2025
Juniata Valley Financial (JUVF) reported revenue of $7.7M for the second quarter 2025 (Q2 2025), +5% from a year earlier and +7% from the quarter before. Operating margin was 29.3%, net earnings $1.9M (25.0% of revenue).
Juniata Valley Financial, Q2 2025: revenue $7.7M (+5% year over year), operating margin 29.3%, net earnings $1.9M, operating cash flow $1.2M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $7.7M | +7% | +5% |
| Operating profit | $2.2M | -6% | +10% |
| Net earnings | $1.9M | -5% | +9% |
| Operating cash flow | $1.2M | -42% | -66% |
| Free cash flow | $1.2M | -41% | -49% |
What changed
Revenue was $7.7M in Q2 2025, up 5% year over year and up 7% from the previous quarter.
Operating profit was $2.2M, a 29.3% margin (up 1.1 points year over year). Of the extra revenue versus a year earlier, 50% reached operating profit, above the 28% margin then. Total costs grew 4% against revenue growth of 5%. Net earnings were $1.9M, up 9% year over year. The effective tax rate was 14.7%.
Operating cash flow was $1.2M (down 66% year over year), 64% of net earnings. Non-cash charges added back $38K of share-based compensation. Working capital and other items used $727K. Capital expenditures of $51K left free cash flow of $1.2M.
Questions
What was Juniata Valley Financial's revenue in the second quarter 2025?
Juniata Valley Financial (JUVF) reported revenue of $7.7M for the second quarter 2025 (Q2 2025), +5% from a year earlier and +7% from the quarter before.
Was Juniata Valley Financial profitable in the second quarter 2025?
Operating profit was $2.2M (29.3% of revenue) and net earnings $1.9M.