JUVF Juniata Valley Financial

Juniata Valley Financial Corp. (the “Company” or “Juniata”) is a Pennsylvania corporation that was formed in 1983 as a result of a plan of merger and reorganization of The Juniata Valley Bank (the “Bank”). The plan received regulatory approval on June 7, 1983, and Juniata, a one-bank holding company, registered under the Bank Holding Company Act of 1956. The Bank is the oldest independent commercial bank in Juniata and Mifflin Counties, having originated under a state bank charter in 1867. The Company has one reportable segment, consisting of the Bank, as described in Note 2 of The Notes to Consolidated Financial Statements.

Company profile

Marcie A. Barber
Fiscal year end
Industry (SIC)
IRS number

JUVF stock data



15 Mar 21
17 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 20
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
15 Mar 21 Wagner Bradley J. Common Stock Buy Aquire P No No 17.5 31 542.5 2,006
16 Feb 21 Buffington Michael A. Common Stock Grant Aquire A No No 0 84 0 1,515
16 Feb 21 Martin L Dreibelbis Common Stock Grant Aquire A No No 0 81 0 7,378
16 Feb 21 Philip E Gingerich JR Common Stock Grant Aquire A No No 0 90 0 23,947
16 Feb 21 Kelsey Gary E Common Stock Grant Aquire A No No 0 81 0 15,167

Financial report summary

Management Discussion
  • The year 2020 was challenging, primarily due to the COVID-19 pandemic. Several initiatives were implemented to address the impact of the COVID-19 pandemic on Juniata, its customers, employees and markets. Juniata remained responsive to the needs of loan customers for short-term payment relief as a result of the pandemic, as well as participated in the Paycheck Protection Program (“PPP”) through the Small Business Administration (“SBA”). While asset quality measures remained strong throughout 2020, the effects of the economic downturn resulted in increased provisioning for loan losses. Juniata increased its provision for loan losses by $1,294,000, from a credit of $573,000 recorded in 2019 to a provision expense of $721,000 recorded in 2020.
Content analysis
H.S. freshman Bad
New words: accuracy, advance, Aid, alter, ambiguity, AML, arose, begun, belief, benchmark, broader, BSA, burden, calendar, carryback, CBLR, correlate, COVID, Defense, deferral, destabilize, distancing, downgrading, downturn, edge, encourage, encouraged, evolving, extinguishment, facility, FFIEC, FinCEN, FOMC, forbearance, forgiven, furloughed, grace, graduated, guaranty, health, hedge, hedged, hedging, hire, hospitality, illicit, jointly, KY, lessen, liable, LIBOR, linking, lobby, Louisville, mathematical, multiple, NaN, nationwide, NDAA, NOL, noncompliance, nonfinancial, notable, oil, opt, outbreak, overlap, pandemic, passing, password, Paycheck, penalty, people, platform, PPP, PPPLF, presence, privileged, prolonged, promptly, recommended, registry, reimbursement, relief, revert, rolling, saving, SBA, Secrecy, shortcut, simplified, Simplify, skilled, standing, substantive, Substantively, sudden, suspend, suspending, swap, TDR, teat, temporarily, undetermined, unexpected, unfavorable, voluntarily, whistleblower
Removed: analyst, assign, BDO, calculating, degrade, destroy, detection, disposition, inadequate, LLP, nonaccrual, pertain, prevention, sabotage, scorecard, shareholder