Filing Flows › Juniata Valley Financial (JUVF) › Q3 2025
Juniata Valley Financial (JUVF) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 12, 2025
Juniata Valley Financial (JUVF) reported revenue of $8.1M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +5% from the quarter before. Operating margin was 29.9%, net earnings $2.1M (25.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $8.1M | +5% | +12% |
| Operating profit | $2.4M | +8% | +27% |
| Net earnings | $2.1M | +8% | +26% |
| Operating cash flow | $4.5M | +267% | +124% |
| Free cash flow | $4.3M | +266% | +178% |
What changed
Revenue was $8.1M in Q3 2025, up 12% year over year and up 5% from the previous quarter.
Operating profit was $2.4M, a 29.9% margin (up 3.5 points year over year). Of the extra revenue versus a year earlier, 61% reached operating profit, above the 26% margin then. Total costs grew 6% against revenue growth of 12%. Net earnings were $2.1M, up 26% year over year. The effective tax rate was 14.8%.
Operating cash flow was $4.5M (up 124% year over year), 218% of net earnings. Non-cash charges added back $40K of share-based compensation. Working capital and other items added $2.4M. Capital expenditures of $194K left free cash flow of $4.3M.
Questions
What was Juniata Valley Financial's revenue in the third quarter 2025?
Juniata Valley Financial (JUVF) reported revenue of $8.1M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +5% from the quarter before.
Was Juniata Valley Financial profitable in the third quarter 2025?
Operating profit was $2.4M (29.9% of revenue) and net earnings $2.1M.