Filing Flows › Juniata Valley Financial (JUVF) › Q3 2025 › vs Q3 2024
Juniata Valley Financial (JUVF) Q3 2025 vs Q3 2024 (year over year)
Juniata Valley Financial's revenue rose $833K (+12%) from $7.2M in Q3 2024 to $8.1M in Q3 2025. Operating margin 29.9% against 26.3% (+3.5 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 Q3 2024, the increases inside each band.
Margins
| Q3 2025 | Q3 2024 | Change | |
|---|---|---|---|
| Operating margin | 29.9% | 26.3% | +3.5 pts |
| Net margin | 25.5% | 22.6% | +2.9 pts |
| Free cash flow margin | 53.1% | 21.3% | +31.8 pts |
Every line
| Line | Q3 2025 | Q3 2024 | Change | % |
|---|---|---|---|---|
| Revenue | $8.1M | $7.2M | $833K | +12% |
| Operating profit | $2.4M | $1.9M | $506K | +27% |
| Costs & expenses | $5.7M | $5.3M | $327K | +6% |
| Pre-tax earnings | $2.4M | $1.9M | $506K | +27% |
| Net earnings | $2.1M | $1.6M | $419K | +26% |
| Income tax | $357K | $270K | $87K | +32% |
| Share-based compensation | $40K | $36K | $4K | +11% |
| Working capital & other | $2.4M | $330K | $2.1M | +623% |
| Operating cash flow | $4.5M | $2.0M | $2.5M | +124% |
| Free cash flow (OCF − capex) | $4.3M | $1.5M | $2.7M | +178% |
| Capital expenditures | $194K | $463K | −$269K | -58% |
Questions
How much did Juniata Valley Financial's revenue grow year over year in Q3 2025?
Juniata Valley Financial's revenue rose $833K (+12%) from $7.2M in Q3 2024 to $8.1M in Q3 2025. Operating margin 29.9% against 26.3% (+3.5 pts).