Filing Flows › Juniata Valley Financial (JUVF) › Q2 2026
Juniata Valley Financial (JUVF) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 12, 2026
Juniata Valley Financial (JUVF) reported revenue of $8.8M for the second quarter 2026 (Q2 2026), +15% from a year earlier and +0.6% from the quarter before. Operating margin was 34.1%, net earnings $2.5M (28.7% of revenue).
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 follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $8.8M | +0.6% | +15% |
| Operating profit | $3.0M | -11% | +34% |
| Net earnings | $2.5M | -10% | +32% |
| Operating cash flow | $3.2M | +14% | +164% |
| Free cash flow | $2.8M | +8% | +137% |
What changed
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.
Questions
What was Juniata Valley Financial's revenue in the second quarter 2026?
Juniata Valley Financial (JUVF) reported revenue of $8.8M for the second quarter 2026 (Q2 2026), +15% from a year earlier and +0.6% from the quarter before.
Was Juniata Valley Financial profitable in the second quarter 2026?
Operating profit was $3.0M (34.1% of revenue) and net earnings $2.5M.