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OTC · Finance

Juniata Valley Financial Corp (JUVF)

Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 12, 2026.

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Price

$15.87

-0.13% on the day · September 28, 2026

52-week range $13.45 to $16.99

Market cap

$79.9M

P/E

10.0

on FY2025 diluted EPS

What Juniata Valley Financial Corp does

Juniata Valley Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on OTC under the ticker JUVF.

Revenue and profit by year

Net income

Fiscal years as reported in annual reports. Amounts in USD.

Key figures

Fiscal year	Revenue	Operating income	Net income	Diluted EPS	Free cash flow
2025	n/a	n/a	$8M	$1.59	n/a
2024	n/a	n/a	$6.2M	$1.24	n/a
2023	n/a	n/a	$6.6M	$1.31	n/a
2022	n/a	n/a	$7.1M	$1.41	n/a
2021	n/a	n/a	$6.6M	$1.12	n/a
2020	n/a	n/a	$5.6M	$0.93	n/a

Full financial statements: income, balance sheet and cash flow

Next report expected around October 21, 2026.

Estimated from its filing rhythm: 52 weeks after its report of October 22, 2025. Not a date the company has announced. See the report calendar

Dividends

Juniata Valley Financial Corp declared $0.88 per share in fiscal 2025. At the current price that is a yield of 5.55%. It paid out $4.4M in cash dividends, 55% of its net income.

Fiscal year	Per share	Paid out	Of profit
2025	$0.88	$4.4M	55%
2024	$0.88	$4.4M	71%
2023	$0.88	$4.4M	67%
2022	$0.88	$4.4M	62%
2021	$0.88	$4.4M	67%
2020	$0.88	$4.5M	80%

Per share as declared (or paid, where only that is reported), adjusted for stock splits the company itself restated. Yield is the latest fiscal year's dividend over the current price.

Latest SEC filings

What Juniata Valley Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.

August 12, 2026
Quarterly report 10-Q · period to June 30, 2026Revenue rose 15% to $8.8M versus the same quarter last year; diluted EPS $0.50 versus $0.38.
July 22, 2026
Quarterly results 8-K
July 21, 2026
Employee stock plan registration S-8
May 20, 2026
Executive or director change 8-K
May 19, 2026
Shareholder vote results 8-K
May 13, 2026
Quarterly report 10-Q · period to March 31, 2026Diluted EPS $0.55 versus $0.40.
April 22, 2026
Quarterly results 8-K
March 26, 2026
Proxy statement DEF 14A
March 25, 2026
Annual report 10-K · period to December 31, 2025Diluted EPS $1.59 versus $1.24.
January 29, 2026
Quarterly results 8-K

Recent insider filings (Forms 3, 4 and 144): 10, the latest on June 4, 2026. Insider transactions on SEC

Insider trades

What the people running Juniata Valley Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.

No insider trades were reported in the last 90 days.

Bought (open market)

last 90 days

Sold

last 90 days

Date	Insider	What	Shares	Price	Value	Filing
June 4, 2026	Henry John P. IVDirector	Bought	900	$14.98	$13.5K	Form 4
June 1, 2026	Henry John P. IVDirector	Bought	100	$14.43	$1.4K	Form 4
June 1, 2026	Henry John P. IVDirector	Bought	100	$14.49	$1.4K	Form 4
February 17, 2026	Dreibelbis Martin LDirector	Bought	179	-	-	Form 4
February 17, 2026	Barber Marcie APresident/CEO	Bought	4,945	-	-	Form 4
February 17, 2026	Kelsey Gary EDirector	Bought	144	-	-	Form 4
February 17, 2026	Buffington Michael A.Director	Bought	141	-	-	Form 4
February 17, 2026	Wolf Michael W.EVP/CFO	Bought	2,585	-	-	Form 4
February 17, 2026	Scarnati Joseph B. IIIDirector	Bought	138	-	-	Form 4
February 17, 2026	Sliver Steven C.Director	Bought	150	-	-	Form 4
February 17, 2026	Calkins-Mazur ChristinaDirector	Bought	142	-	-	Form 4
February 17, 2026	Henry John P. IVDirector	Bought	83	-	-	Form 4

All insider filings on SEC.gov · Where insiders are buying across the market

Who owns JUVF

Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.

5% holders

Anyone who owns more than 5% of a class of shares must say so on Schedule 13D (if they may seek to influence the company) or 13G (a passive holder). The latest filing of each holder is shown: 13G filings of the last 2 years, 13D of the last 3.

We have not read this company's Schedule 13D and 13G filings yet.

Largest institutional holders

No Form 13F positions imported for this company yet.

Insiders

Reported holdings of insiders who filed a Form 4 in the last 12 months: the shares each one held after their latest reported transaction. This is not the total held by all insiders.

9 insiders reported holding 115,652 shares in total, about $1.8M at the last price.

Holder	Shares	As of
Barber Marcie APresident/CEO	53,887	February 17, 2026
Kelsey Gary EDirector	15,740	February 17, 2026
Wolf Michael W.EVP/CFO	12,315	February 17, 2026
Dreibelbis Martin LDirector	10,245	February 17, 2026
Scarnati Joseph B. IIIDirector	6,386	February 17, 2026
Calkins-Mazur ChristinaDirector	6,303	February 17, 2026
Buffington Michael A.Director	4,359	February 17, 2026
Sliver Steven C.Director	3,334	February 17, 2026
Henry John P. IVDirector	3,083	June 4, 2026

Schedule 13D/13G filings on SEC.gov

All filings on SEC EDGAR

Questions about JUVF

What does Juniata Valley Financial Corp do?

Juniata Valley Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on OTC under the ticker JUVF.

Is Juniata Valley Financial Corp profitable?

Yes. Over the twelve months to June 30, 2026 it reported net income of $9.4M.

When did Juniata Valley Financial Corp last report?

Its most recent periodic report is the quarterly report (10-Q) filed on August 12, 2026. It covers the period to June 30, 2026.

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Where the numbers come from

Financial figures are the values Juniata Valley Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.

Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.