Filing Flows › Juniata Valley Financial (JUVF) › Q3 2025 › vs Q2 2025
Juniata Valley Financial (JUVF) Q3 2025 vs Q2 2025 (quarter over quarter)
Juniata Valley Financial's revenue rose $419K (+5%) from $7.7M in Q2 2025 to $8.1M in Q3 2025. Operating margin 29.9% against 29.3% (+0.6 pts).
Juniata Valley Financial, Q3 2025: revenue $8.1M (+12% year over year), operating margin 29.9%, net earnings $2.1M, operating cash flow $4.5M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q3 2025 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 29.9% | 29.3% | +0.6 pts |
| Net margin | 25.5% | 25.0% | +0.5 pts |
| Free cash flow margin | 53.1% | 15.3% | +37.8 pts |
Every line
| Line | Q3 2025 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $8.1M | $7.7M | $419K | +5% |
| Operating profit | $2.4M | $2.2M | $173K | +8% |
| Costs & expenses | $5.7M | $5.4M | $246K | +5% |
| Pre-tax earnings | $2.4M | $2.2M | $173K | +8% |
| Net earnings | $2.1M | $1.9M | $145K | +8% |
| Income tax | $357K | $329K | $28K | +9% |
| Share-based compensation | $40K | $38K | $2K | +5% |
| Working capital & other | $2.4M | −$727K | $3.1M | — |
| Operating cash flow | $4.5M | $1.2M | $3.3M | +267% |
| Free cash flow (OCF − capex) | $4.3M | $1.2M | $3.1M | +266% |
| Capital expenditures | $194K | $51K | $143K | +280% |
Questions
How much did Juniata Valley Financial's revenue grow quarter over quarter in Q3 2025?
Juniata Valley Financial's revenue rose $419K (+5%) from $7.7M in Q2 2025 to $8.1M in Q3 2025. Operating margin 29.9% against 29.3% (+0.6 pts).