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How Juniata Valley Financial (JUVF) makes money

Juniata Valley Financial (JUVF) made $8.8M of revenue in the second quarter 2026 (Q2 2026), +15% from a year earlier. Of every dollar of revenue, 34¢ was left as operating profit, 29¢ was left as net earnings.

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Juniata Valley Financial revenue by quarterJuniata Valley Financial revenue by quarter$7.7MQ2 2025$8.1MQ3 2025$8.8MQ2 2026
Juniata Valley Financial: where each dollar of revenue goesJuniata Valley Financial: where each dollar of revenue goesOperating profit34¢Income tax5¢Net earnings29¢Operating cash flow37¢Free cash flow32¢

Where each dollar of revenue goes

LineQ2 2026% of revenue
Revenue$8.8M100.0%
Operating profit$3.0M34.1%
Income tax$478K5.4%
Net earnings$2.5M28.7%
Operating cash flow$3.2M36.7%
Free cash flow$2.8M31.6%

Revenue, quarter by quarter

QuarterRevenueY/Y
Q2 2026$8.8M+15%
Q3 2025$8.1M+12%
Q2 2025$7.7M+5%

From Juniata Valley Financial's 10-Q filed Aug 12, 2026 (on EDGAR).

Questions

How does Juniata Valley Financial make money?

Juniata Valley Financial (JUVF) made $8.8M of revenue in the second quarter 2026 (Q2 2026), +15% from a year earlier. Of every dollar of revenue, 34¢ was left as operating profit, 29¢ was left as net earnings.

What is Juniata Valley Financial's profit margin?

Net earnings were $2.5M, 28.7% of revenue, in the second quarter 2026; the operating margin was 34.1%.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.