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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

Ticker
JUVF
Exchange
CEO
Marcie A. Barber
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
IRS number
232235254

JUVF stock data

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Calendar

14 May 21
28 Jul 21
31 Dec 21
Quarter (USD)
Mar 21 Dec 20 Sep 20 Jun 20
Revenue
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
Revenue
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.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 21.99M 21.99M 21.99M 21.99M 21.99M 21.99M
Cash burn (monthly) 6.54M 1.32M (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn)
Cash used (since last report) 25.59M 5.16M n/a n/a n/a n/a
Cash remaining -3.59M 16.83M n/a n/a n/a n/a
Runway (months of cash) -0.5 12.8 n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
18 May 21 Wagner Bradley J. Common Stock Buy Aquire P No No 16.88 60 1.01K 2,066
14 May 21 Barber Marcie A Common Stock Buy Aquire P No No 15.82 1,501 23.75K 28,961
14 May 21 Joann Mcminn Common Stock Buy Aquire P No No 15.82 1,358 21.48K 14,713
4 May 21 Buffington Michael A. Common Stock Buy Aquire P No No 16.25 550 8.94K 2,065
15 Mar 21 Wagner Bradley J. Common Stock Buy Aquire P No No 17.5 31 542.5 2,006

Financial report summary

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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
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Readability
H.S. freshman Bad
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