Company Quick10K Filing
Juniata Valley Financial
10-Q 2020-03-31 Filed 2020-05-11
10-K 2019-12-31 Filed 2020-03-16
10-Q 2019-09-30 Filed 2019-11-08
10-Q 2019-06-30 Filed 2019-08-09
10-Q 2019-03-31 Filed 2019-05-10
10-K 2018-12-31 Filed 2019-04-02
10-Q 2018-09-30 Filed 2018-11-09
10-Q 2018-06-30 Filed 2018-08-09
10-Q 2018-03-31 Filed 2018-05-10
10-K 2017-12-31 Filed 2018-03-16
10-Q 2017-09-30 Filed 2017-11-09
10-Q 2017-06-30 Filed 2017-08-09
10-Q 2017-03-31 Filed 2017-05-10
10-K 2016-12-31 Filed 2017-03-15
10-Q 2016-09-30 Filed 2016-11-09
10-Q 2016-06-30 Filed 2016-08-09
10-Q 2016-03-31 Filed 2016-05-10
10-K 2015-12-31 Filed 2016-03-15
10-Q 2015-09-30 Filed 2015-11-09
10-Q 2015-06-30 Filed 2015-08-10
10-Q 2015-03-31 Filed 2015-05-11
10-K 2014-12-31 Filed 2015-03-16
10-Q 2014-09-30 Filed 2014-11-07
10-Q 2014-06-30 Filed 2014-08-08
10-Q 2014-03-31 Filed 2014-05-08
10-K 2013-12-31 Filed 2014-03-14
10-Q 2013-09-30 Filed 2013-11-08
10-Q 2013-06-30 Filed 2013-08-09
10-Q 2013-03-31 Filed 2013-05-10
10-K 2012-12-31 Filed 2013-03-15
10-Q 2012-09-30 Filed 2012-11-09
10-Q 2012-06-30 Filed 2012-08-09
10-Q 2012-03-31 Filed 2012-05-08
10-K 2011-12-31 Filed 2012-03-15
10-Q 2011-09-30 Filed 2011-11-09
10-Q 2011-06-30 Filed 2011-08-09
10-Q 2011-03-31 Filed 2011-05-09
10-K 2010-12-31 Filed 2011-03-15
10-Q 2010-09-30 Filed 2010-11-08
10-Q 2010-06-30 Filed 2010-08-09
10-Q 2010-03-31 Filed 2010-05-07
10-K 2009-12-31 Filed 2010-03-12
8-K 2020-05-06 Earnings, Exhibits
8-K 2020-03-25 Other Events
8-K 2020-01-31 Earnings, Exhibits
8-K 2019-10-23
8-K 2019-07-25 Earnings, Exhibits
8-K 2019-06-07 Accountant
8-K 2019-05-21 Shareholder Vote, Regulation FD, Exhibits
8-K 2019-05-10 Accountant, Exhibits
8-K 2019-04-25 Earnings, Exhibits
8-K 2019-02-19 Amend Bylaw, Exhibits
8-K 2019-02-08 Earnings, Exhibits
8-K 2018-10-29 Earnings, Exhibits
8-K 2018-07-31 Earnings, Exhibits
8-K 2018-05-15 Shareholder Vote, Regulation FD, Exhibits
8-K 2018-04-30 Earnings, Other Events, Exhibits
8-K 2018-02-15 Earnings, Exhibits
8-K 2017-12-29 Enter Agreement, Exhibits

Juniata Valley Financial Financials

JUVF Metrics, Comps, Filings

Quarterly | Annual

Business

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 Notes to Consolidated Financial Statements contained in the Company's 2018 Annual Report to Shareholders (the “2018 Annual Report”).

Juniata operates primarily in central and northern Pennsylvania with the purpose of delivering financial services within its local markets. The Company provides retail and commercial banking services through 16 offices in the following locations: five community offices in Juniata County; five community offices in Mifflin County, as well as a financial services office; two community offices in McKean County; one community office in each of Potter, Perry and Huntingdon Counties; and a loan production office in Centre County. 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.

The Company offers a full range of consumer and commercial banking services. Consumer banking services include: Internet banking; mobile banking; telephone banking; twelve automated teller machines; personal checking accounts; club accounts; checking overdraft privileges; money market deposit accounts; savings accounts; debit cards; certificates of deposit; individual retirement accounts; secured lines of credit; construction and mortgage loans; and safe deposit boxes. Commercial banking services include: low and high-volume business checking accounts; Internet account management services; remote deposit capability; ACH origination; payroll direct deposit; commercial lines of credit; commercial letters of credit; mobile deposit for small business customers; and commercial term and demand loans.


Valuation ($MM)

Market Cap, Enterprise Value

Balance Sheet ($MM)

Assets, Equity

Income Statement ($MM Quarterly)

Revenue, G Profit, Net Income

Cash Flow ($MM Quarterly)

Ops, Inv, Fin

Comps ($'000 TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Nemus Bioscience (NMUS) 108,999 -34.9 -220% 1,725 18,127 0 0 -3,800 -3,087 107,675
Eagle Financial Services (EFSI) 108,359 5.2 1% 851,419 756,789 0 0 9,009 13,416 69,203
UTG (UTGN) 106,601 0% 4.4 3% 418,871 289,863 35,179 0 13,535 18,338 80,872
Consumer Capital Group (CCGN) 106,115 100% -60.0 -140% 1,266 7,930 228 228 -1,772 -1,767 106,047
Bay Banks of Virginia (BAYK) 104,674 3.9 0% 1,112,219 987,362 0 0 5,056 18,746 73,361
Epsilon Energy (EPSN) 103,584 0% 8.7 7% 95,010 19,649 11,983 0 6,665 9,734 84,837
Juniata Valley Financial (JUVF) 102,429 13.6 1% 667,107 593,321 0 0 5,568 9,850 134,126
F&M Bank (FMBM) 102,135 16.1 0% 813,237 722,344 0 0 2,734 8,653 139,285
Invesco CurrencyShares Australian Dollar Trust (FXA) 100,780 0% -56.1 1% 97,821 32 1,223 0 788 788 -44,220
Zoned Properties (ZDPY) 100,699 0% 277.2 0% 8,204 2,225 941 0 7 368 102,125
Virginia National Bankshares (VABK) 99,658 7.1 1% 660,790 585,236 0 0 5,258 10,047 71,803
Juniper Pharmaceuticals (JNP) 98,834 41% 49.7 -1% 67,768 19,275 55,610 22,712 -985 1,629 80,918
Hash Labs (HLAB) 98,593 -24.3 -2,247% 181 419 0 0 -4,067 -4,048 98,439
Nuvera Communications (NUVR) 98,504 0% 7.1 4% 164,114 84,747 48,592 0 6,727 21,163 151,275
ITUS (ITUS) 98,193 0% -9.7 -142% 6,843 1,044 250 0 -9,708 -9,689 93,796
Capital Properties (CPTP) 97,349 0% 30.3 23% 9,785 1,837 3,907 0 2,261 3,127 94,790
Processa Pharmaceuticals (PCSA) 96,996 -40.0 -24% 10,821 2,151 0 0 -2,583 -2,410 96,491
Addentax Group (ATXG) 96,315 14% -113.5 -15% 5,879 8,162 9,240 1,309 -855 -847 96,046
Eaco (EACO) 95,530 28% 6.2 10% 88,765 40,144 215,534 60,071 9,012 14,872 92,780
Cortland Bancorp (CLDB) 95,237 7.1 1% 700,621 626,468 0 0 5,378 10,511 74,729

Balance Sheet ($'000)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash15,77917,87014,17421,43024,60216,84714,39711,5399,2099,8128,61314,8888,6577,6586,7676,9187,9938,33210,4589,5598,79313,58913,3529,89712,15217,16215,32816,45624,27725,54813,303
Accounts Receivable
Inventory
PP&E6,8906,7886,7106,6246,5426,44113,8976,3526,2576,16914,2526,2466,1626,25314,5846,4586,4536,39515,2537,1086,9986,94515,7526,9526,8066,69518,3828,7248,6758,65919,0208,6448,5188,487
Assets452,004454,840447,433453,877462,597454,848448,869448,767449,812456,753448,782451,910478,125482,709480,529472,931487,108488,447583,928575,276572,799577,017580,354592,106602,300599,922591,945594,984631,512620,689625,236627,782662,064667,107
Accounts Payable
Long-Term Debt22,50022,50022,50022,50022,50022,50022,50032,50025,00025,00025,00025,00025,00025,00025,00025,00015,00015,00015,00025,00045,00045,000
Liabilities401,518403,941397,713404,609412,763404,746398,572398,384400,839407,813398,798401,560427,079431,880430,673422,440437,006437,881523,966513,869510,915514,870521,264532,661542,046539,474532,558536,985566,852555,307557,858558,609589,538593,321
Stockholders' Equity50,29749,98449,85659,96259,09059,44560,25460,44859,38757,99964,66065,38267,37869,17372,52673,786
Income Statement ($'000)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A
Tax2001251506750310337620604670141154170100120146-266255162150252330424127359-71340-187-1086-103
Net Income1,0911,2141,1364181,2151,1328831,0061,0091,0199679031,1631,0581,0929241,0011,0081251,2921,1151,4471,3021,4591,3061,2065781,3271,6901,3851,2171,4131,8451,093
Cash Flow ($'000)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash Operating1,5411,9148791,6242053,1021381,8321,5982,2314221,2981,5422,6468981,5471,2871,4384082,2842,1731,2331,0063,4947271,8357602,3712,0922,026
Cash Investing-6803,4777-5,7521,0231,046-2,187-5,938-6,7506,1413,799-31,962-6,257337,941-14,088-7757,1984,229-5,375-6,511-12,7023,126957-2,34410,8298,1676,263-30,481-16,796
Cash Financing1,230-9,0876,3707,300-8,983-6,598-8091,7765,755-9,5712,05424,4333,716-3,570-8,68813,616-1734,697-9,516-3,5971,9344,43610,703-4,369-7,9063,872-7,654-10,761-81329,6602,525