Filing Flows › Juniata Valley Financial (JUVF) › Q2 2026 › vs Q3 2025
Juniata Valley Financial (JUVF) Q2 2026 vs Q3 2025 (quarter over quarter)
Juniata Valley Financial's revenue rose $51K (+0.6%) from $8.8M in Q3 2025 to $8.8M in Q2 2026. Operating margin 34.1% against 38.4% (-4.3 pts).
Juniata Valley Financial, Q2 2026: revenue $8.8M (+15% year over year), operating margin 34.1%, net earnings $2.5M, operating cash flow $3.2M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q2 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 34.1% | 38.4% | -4.3 pts |
| Net margin | 28.7% | 32.0% | -3.3 pts |
| Free cash flow margin | 31.6% | 29.4% | +2.2 pts |
Every line
| Line | Q2 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $8.8M | $8.8M | $51K | +0.6% |
| Operating profit | $3.0M | $3.4M | −$360K | -11% |
| Costs & expenses | $5.8M | $5.4M | $411K | +8% |
| Pre-tax earnings | $3.0M | $3.4M | −$360K | -11% |
| Net earnings | $2.5M | $2.8M | −$275K | -10% |
| Income tax | $478K | $563K | −$85K | -15% |
| Share-based compensation | $42K | $41K | $1K | +2% |
| Working capital & other | $668K | −$3K | $671K | — |
| Operating cash flow | $3.2M | $2.8M | $397K | +14% |
| Free cash flow (OCF − capex) | $2.8M | $2.6M | $207K | +8% |
| Capital expenditures | $454K | $264K | $190K | +72% |
Questions
How much did Juniata Valley Financial's revenue grow quarter over quarter in Q2 2026?
Juniata Valley Financial's revenue rose $51K (+0.6%) from $8.8M in Q3 2025 to $8.8M in Q2 2026. Operating margin 34.1% against 38.4% (-4.3 pts).