JUNIATA VALLEY FINANCIAL CORP
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $31.1M | $28.8M | $28.0M | $29.4M | $26.5M | $25.6M | $25.7M | $25.0M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | $9.4M | $7.2M | $18.1M | $10.8M | $10.1M | $9.6M | $10.5M | $8.9M |
| Operating Margin | 30.1% | 25.1% | 64.5% | 36.8% | 38.2% | 37.5% | 41.0% | 35.5% |
| Interest Expense | — | — | $10.5M | $3.4M | $3.2M | $4.0M | $4.7M | $3.6M |
| Pretax Income | $9.4M | $7.2M | $7.6M | $7.4M | $6.9M | $5.6M | $5.8M | $5.2M |
| Income Tax Expense | $1.4M | $979.0K | $970.0K | $308.0K | $284.0K | $-50.0K | $-14.0K | $-659.0K |
| Net Income | $8.0M | $6.2M | $6.6M | $7.1M | $6.6M | $5.6M | $5.8M | $5.9M |
| Net Margin | 25.6% | 21.7% | 23.5% | 24.1% | 24.9% | 21.9% | 22.7% | 23.6% |
| EPS (Basic) | $1.59 | $1.25 | $1.32 | $1.41 | $1.32 | $1.10 | $1.14 | $1.18 |
| EPS (Diluted) | $1.59 | $1.24 | $1.31 | $1.41 | $1.32 | $1.10 | $1.14 | $1.18 |
| Shares Outstanding (Basic) | 5.0M | 5.0M | 5.0M | 5.0M | 5.0M | 5.1M | 5.1M | 5.0M |
| Shares Outstanding (Diluted) | 5.0M | 5.0M | 5.0M | 5.0M | 5.0M | 5.1M | 5.1M | 5.0M |
| Dividends Per Share | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 | $0.88 |