Company profile

Marcie A. Barber
Incorporated in
Fiscal year end
Industry (SEC)
IRS number

JUVF stock data



11 May 20
5 Jul 20
31 Dec 20


Company financial data Financial data

Quarter (USD) Mar 20 Dec 19 Sep 19 Jun 19
Revenue 6.13M 6.3M 6.38M 6.71M
Net income 1.04M 1.48M 1.09M 1.85M
Diluted EPS 0.2 0.29 0.21 0.36
Net profit margin 16.94% 23.54% 17.13% 27.49%
Net change in cash 25.08M -563K -12.25M 1.27M
Cash on hand 37.82M 12.74M 13.3M 25.55M
Annual (USD) Dec 19 Dec 18 Dec 17 Dec 16
Revenue 25.61M 23.65M 21.37M 20.47M
Net income 5.84M 5.9M 4.54M 5.16M
Diluted EPS 1.14 1.18 0.95 1.07
Net profit margin 22.78% 24.96% 21.23% 25.19%
Net change in cash -3.72M 6.56M 338K -899K
Cash on hand 12.74M 16.46M 9.9M 9.56M

Financial data from company earnings reports

Date Owner Security Transaction Code 10b5-1 $Price #Shares $Value #Remaining
22 Jun 20 Havice Timothy I Common Stock Buy Aquire P No 16.55 1,000 16.55K 23,355
16 Jun 20 Buffington Michael A. Common Stock Buy Aquire P No 17 390 6.63K 1,431
12 May 20 Wagner Bradley J. Common Stock Buy Aquire P No 16.8 50 840 1,766
24 Mar 20 Wagner Bradley J. Common Stock Buy Aquire P No 12.5 13 162.5 1,716
23 Mar 20 Barber Marcie A Common Stock Buy Aquire P No 12.99 500 6.5K 24,900

Financial report summary

  • Fluctuations in market interest rates, particularly in a continuing period of low market interest rates, and relative balances of rate-sensitive assets to rate-sensitive liabilities, can negatively impact net interest margin and net interest income.
  • Capital and liquidity strategies, including the impact of the capital and liquidity requirements implemented by the Basel III standards, may require the Company to maintain higher levels of capital, which could restrict the amount of capital that the Company has available to deploy for income generating and other activities.
  • Competition, including competition on rates of deposit and for loan growth may negatively impact the Company’s net interest margin.
  • Changes in interest rates or disruption in liquidity markets may adversely affect the Company’s sources of funding.
  • Regulators are increasingly emphasizing liquidity planning at both the bank and Company levels.
  • The increasing time and expense associated with regulatory compliance and risk management could negatively impact our results of operations.
  • Financial reform legislation is likely to have a significant impact on the Company’s business and results of operations; however, until more implementing regulations are adopted, the extent to which the legislation will impact the Company is uncertain.
  • Cyber security incidents could disrupt business operations, result in the loss of critical and confidential information, and adversely impact our reputation and results of operations.
  • Potential disruption or failure of network and information processing systems and those of third-party vendors may negatively impact our operations.
  • Failure by the Company to keep up with technological advancements in deployment of services and efficiency of operations may make it more vulnerable to competition.
  • Difficult economic conditions and real estate markets, including protracted periods of low-growth and sluggish loan demand, can negatively impact the Company’s income, and result in higher charge-offs as borrowers’ ability to repay is negatively impacted by those conditions.
  • Investment securities losses, including other-than-temporary declines in the value of available for sale securities, may result in charges to earnings that could negatively impact our results of operations.
  • Investment management and trust services revenue:
  • The Corporation is a holding company and relies on dividends from its subsidiaries for substantially all its revenue and its ability to make dividends, distributions and other payments.
  • "Anti-takeover" provisions may keep shareholders from receiving a premium for their shares.
  • If the Company fails to maintain an effective system of internal controls, it may not be able to accurately report its financial results or prevent fraud. As a result, current and potential shareholders could lose confidence in the Company’s financial reporting, which could harm its business and the trading price of its common stock.
Management Discussion
  • The information contained in this Annual Report on Form 10-K contains forward-looking statements (as such term is defined in the Securities Exchange Act of 1934 and the regulations thereunder) including statements which are not historical facts or that reflect trends or management’s intentions, plans, beliefs, expectations or opinions. Such forward-looking statements are subject to risks and uncertainties and may be affected by various factors which may cause actual results to differ materially from those in the forward-looking statements including, without limitation:
  • This discussion concerns Juniata Valley Financial Corp. (“Company” or “Juniata”) and its wholly owned subsidiary, The Juniata Valley Bank (“Bank”). Juniata is a bank holding company that delivers financial services within its market, primarily central Pennsylvania. The Bank provides retail and commercial banking, trust, estate, and wealth management services through 16 offices in Juniata, Mifflin, Perry, Huntingdon, McKean, Potter and Centre counties. On April 30, 2018, Juniata, which previously owned 39.16%, or 1,214 of the 3,100 outstanding common shares of Liverpool Community Bank (“Liverpool” or “LCB”), completed the acquisition of the remainder of Liverpool’s outstanding common stock. Under the terms of a merger agreement between the parties, LCB merged with and into the Bank.
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