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JUVF on OTC

JUNIATA VALLEY FINANCIAL CORP

JUNIATA VALLEY FINANCIAL CORP is an American state commercial bank, incorporated in Pennsylvania.1 It is headquartered in Mifflintown, Pennsylvania.1 Its shares trade on OTC under the symbol JUVF.1

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Last updated Oct 21, 2026.

Overview

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  • TickerJUVF on OTC1
  • IndustryState Commercial Banks1
  • HeadquartersMifflintown, Pennsylvania1
  • Incorporated inPA2
  • Business addressBridge And Main Streets, Po Box 66, Mifflintown, Pa 17059-00662
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Juniata Valley Financial Corp. (the “Company” or “Juniata”) is a Pennsylvania corporation 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 as a bank holding company. The Bank is the oldest independent commercial bank in Juniata and Mifflin Counties and was organized under a state bank charter in 1867. The Company has one reportable segment, consisting of the Bank, as described in Note 1 of The Notes to Consolidated Financial Statements.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Bank Servicing brought in 37% of the revenue JUNIATA VALLEY FINANCIAL CORP broke down this way in fiscal 2025.

  1. Bank Servicing$1.9M537%up 6% from 2024
  2. Debit Card$1.8M535%up 1% from 2024
  3. Fees Derived From Loan Activity$681.0K513%down 0% from 2024
  4. Asset Management Services$406.0K58%up 7% from 2024
  5. Investment Advisory, Management and Administrative Service$280.0K55%down 28% from 2024
  6. Shareholder Service$45.0K51%down 8% from 2024
  7. Estate Management Services$38.0K51%down 57% from 2024
Products and services by year
Products and services20242025
Bank Servicing$1.8M$1.9M
Debit Card$1.8M$1.8M
Fees Derived From Loan Activity$682.0K$681.0K
Asset Management Services$380.0K$406.0K
Investment Advisory, Management and Administrative Service$388.0K$280.0K
Shareholder Service$49.0K$45.0K
Estate Management Services$89.0K$38.0K

Financial statements

Net income6789105$8.0M in 2025+37% since 2019
0$2.0M$4.0M$6.0M$8.0M2019: $5.8M$5.8M20192020: $5.6M$5.6M2020−4%2021: $6.6M$6.6M2021+18%2022: $7.1M$7.1M2022+7%2023: $6.6M$6.6M2023−7%2024: $6.2M$6.2M2024−6%2025: $8.0M$8.0M2025+28%

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
Loans, including fees$33.4M$31.1M
Taxable securities$5.4M$5.7M
Tax-exempt securities$119.0K$118.0K
Other interest income$72.0K$140.0K
Total interest income$39.0M$37.1M
Deposits$11.5M$11.2M
Short-term borrowings and repurchase agreements$2.1M$2.7M
Long-term debt$51.0K$268.0K
Other interest bearing liabilities$27.0K$33.0K
Total interest expense$13.6M$14.2M
Net interest income$25.4M$22.9M
Provision for credit losses$923.0K$534.0K
Net interest income after provision for credit losses$24.4M$22.4M
Earnings on bank-owned life insurance and annuities$263.0K$236.0K
Change in value of equity securities$131.0K$115.0K
Gain from life insurance proceeds$30.0K$56.0K
Other non-interest income$299.0K$360.0K
Total non-interest income$5.8M$5.8M
Employee compensation expense$9.2M$9.0M
Employee benefits$2.1M$2.4M
Occupancy$1.3M$1.4M
Equipment$933.0K$863.0K
Data processing expense$2.9M$2.9M
Professional fees$1.0M$1.1M
Taxes, other than income$162.0K$191.0K
FDIC Insurance premiums$514.0K$575.0K
Amortization of intangible assets$68.0K$85.0K
Amortization of investment in low-income housing partnerships$322.0K$322.0K
Other non-interest expense$2.4M$2.1M
Total non-interest expense$20.8M$21.0M
Income before income taxes$9.4M$7.2M
Income tax provision$1.4M$979.0K
Net income$8.0M$6.2M
Basic (in dollars per share)$1.59$1.25
Diluted (in dollars per share)$1.59$1.24

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Corporate structure

JUNIATA VALLEY FINANCIAL CORP sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • JUNIATA VALLEY FINANCIAL CORP Mifflintown, Pennsylvania
    • The Juniata Valley Bank Subsidiary · Pennsylvania, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What JUNIATA VALLEY FINANCIAL CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$23.6M5 Dec 31, 2025$23.4M5 Dec 31, 2024+1.1%
Accumulated depreciation$14.4M5 Dec 31, 2025$14.0M5 Dec 31, 2024+2.8%
Property and equipment, net$9.3M5 Dec 31, 2025$9.4M5 Dec 31, 2024−1.3%
Operating-lease assets (leased space)$201.0K5 Dec 31, 2025$255.0K10 Dec 31, 2024−21.2%

Investments

ItemLatestA year beforeChange
Equity securities at fair value$1.3M5 Dec 31, 2025$1.2M5 Dec 31, 2024+7.1%
Loans, net of allowance$594.3M5 Dec 31, 2025$527.7M5 Dec 31, 2024+12.6%
Deposits held (banks)$781.8M5 Dec 31, 2025$748.0M5 Dec 31, 2024+4.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$9.8M5 Dec 31, 2025$9.8M5 Dec 31, 20240%

Properties, in its own words

The physical properties of the Company are all owned or leased by the Bank.

The Bank owns and operates, for banking purposes, the buildings located at:

The rest of Item 2

One South Main Street, Mifflintown, Pennsylvania (branch office)

218 Bridge Street, Mifflintown, Pennsylvania (corporate headquarters)

4068 William Penn Highway, Mifflintown, Pennsylvania (branch office)

1762 Butcher Shop Road, Mifflintown, Pennsylvania (operations center and Trust offices)

301 Market Street, Port Royal, Pennsylvania (branch office)

30580 Rt. 35, McAlisterville, Pennsylvania (branch office)

Four North Market Street, Millerstown, Pennsylvania (branch office)

16400 Path Valley Road, Spring Run, Pennsylvania (branch office)

One East Market Street, Lewistown, Pennsylvania (branch office)

20 Prince Street, Reedsville, Pennsylvania (branch office)

100 West Water Street, Lewistown, Pennsylvania (branch office)

320 South Logan Boulevard, Burnham, Pennsylvania (branch office)

571 Main Street, Richfield, Pennsylvania (branch office)

118 East Second Street, Coudersport, Pennsylvania (branch office)

104 N Front Street, Liverpool, Pennsylvania (branch office)

The Bank leases three offices:

Branch Offices

52 West Mill Street, Port Allegany, Pennsylvania (lease expires June 2028)

Financial Services Office

129 South Main Street, Suite 600, Lewistown, Pennsylvania (lease expires October 2029)

Loan Production Office

120 Regent Court, State College, Pennsylvania (lease expires May 2029)

Item 2 of the 10-K filed Mar 25, 2026.4

Leadership

Who has led JUNIATA VALLEY FINANCIAL CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Francis J. Evanitsky2009–2010
  2. Marcie A. Barber2011–now

President

  1. Francis J. Evanitsky2009–2010
  2. Marcie A. Barber2011–now

Chief financial officer

  1. Joann McMinn2007–2022
  2. Michael W. Wolf2022–now

Chief operating officer

  1. Marcie A. Barber2009
2010201520202025
Board members and other officers (24)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • The Juniata Valley Bank Pennsylvania3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Jul 22, 20268-K Results of operations42
  2. May 20, 20268-K Executive or director change43
  3. May 19, 20268-K Shareholder vote; Regulation FD disclosure44
  4. Apr 22, 20268-K Results of operations45
  5. Jan 29, 20268-K Results of operations46
  6. Oct 22, 20258-K Results of operations47
  7. Jul 23, 20258-K Results of operations48
  8. May 20, 20258-K Shareholder vote; Regulation FD disclosure49
  9. Apr 22, 20258-K Results of operations50
  10. Apr 18, 20258-K Executive or director change51
  11. Feb 14, 20258-K Executive or director change52
  12. Jan 29, 20258-K Results of operations53
  13. Mar 2, 2011New chief executive Marcie A. Barber becomes CEO13
  14. Feb 6, 2009New chief executive Francis J. Evanitsky becomes CEO14

Calendar

Coming up

  1. Around Oct 21, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results42
  2. Apr 22, 2026Reported quarterly or annual results45
  3. Jan 29, 2026Reported quarterly or annual results46
  4. Oct 22, 2025Reported quarterly or annual results47
  5. Jul 23, 2025Reported quarterly or annual results48
  6. Apr 22, 2025Reported quarterly or annual results50
  7. Jan 29, 2025Reported quarterly or annual results53
  8. Oct 23, 2024Reported quarterly or annual results54

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

205 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 44 major events, 133 insider forms, 7 other. The latest 20:

  1. Aug 12, 202610-Q EDGAR
  2. Jul 22, 20268-K EDGAR
  3. Jul 21, 2026S-8 EDGAR
  4. Jun 4, 20264 PRIMARY DOCUMENT EDGAR
  5. May 20, 20268-K EDGAR
  6. May 19, 20268-K EDGAR
  7. May 13, 202610-Q EDGAR
  8. Apr 22, 20268-K EDGAR
  9. Mar 26, 2026DEF 14A EDGAR
  10. Mar 25, 202610-K EDGAR
  11. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  12. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  13. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  14. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  15. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  16. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  17. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  18. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  19. Feb 18, 20264 PRIMARY DOCUMENT EDGAR
  20. Jan 29, 20268-K EDGAR

The 205 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

137 open-market trades by officers, directors and large owners since October 2021: 137 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 4, 2026Henry John P. IVDirectorBuy900$14.98$13.5KForm 4
Jun 1, 2026Henry John P. IVDirectorBuy200$14.46$2.9KForm 4
Feb 17, 2026Henry John P. IVDirectorBuy83Form 4
Feb 17, 2026Calkins-Mazur ChristinaDirectorBuy142Form 4
Feb 17, 2026Sliver Steven C.DirectorBuy150Form 4
Feb 17, 2026Scarnati Joseph B. IIIDirectorBuy138Form 4
Feb 17, 2026Wolf Michael W.EVP/CFOBuy2,585Form 4
Feb 17, 2026Buffington Michael A.DirectorBuy141Form 4
Feb 17, 2026Kelsey Gary EDirectorBuy144Form 4
Feb 17, 2026BARBER MARCIE APresident/CEOBuy4,945Form 4
Feb 17, 2026Dreibelbis Martin LDirectorBuy179Form 4
Aug 22, 2025Sliver Steven C.DirectorBuy1,300$13.98$18.2KForm 4
Jun 5, 2025Henry John P. IVDirectorBuy1,000$12.98$13.0KForm 4
Apr 28, 2025Wolf Michael W.EVP/CFOBuy100$12.85$1.3KForm 4
Mar 19, 2025Sliver Steven C.DirectorBuy500$12.92$6.5KForm 4
Feb 18, 2025Wagner Bradley J.DirectorBuy112Form 4
Feb 18, 2025Scarnati Joseph B. IIIDirectorBuy105Form 4
Feb 18, 2025Sliver Steven C.DirectorBuy110Form 4
Feb 18, 2025Kelsey Gary EDirectorBuy107Form 4
Feb 18, 2025Calkins-Mazur ChristinaDirectorBuy99Form 4

All 137 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025President$432.6K$654.3K55
2025Executive Vice$265.5K$385.4K55
2024and Chief$392.8K$544.9K55
2024President and$243.4K$326.5K55
2023Executive Officer$370.6K$528.3K55
2023Chief Financial$231.8K$323.3K55

SEC filer profile

How JUNIATA VALLEY FINANCIAL CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARJUNIATA VALLEY FINANCIAL CORP1
  • CIK0000714712
  • Employer ID (EIN)23-22352544
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inPennsylvania4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business addressBridge And Main Streets, Po Box 66, Mifflintown, PA 17059-00661
  • Phone855-582-51011
  • Shares outstanding5,034,291 as of Jul 31, 202611
  • Public float$62.1M as of Jun 30, 20254
  • AuditorCrowe LLP, Washington, D.C. PCAOB ID 173; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceMar 16, 19951
  • Filings741 in all: 4 (327), 8-K (178), 10-Q (95), 10-K (31), DEF 14A (31), 3 (13), 4/A (7), 11-K (6)1
    All 32 form types

    CORRESP (5), UPLOAD (5), 8-K/A (4), CT ORDER (4), S-8 (4), SC 13G (4), 425 (3), S-4 (3), 10-K/A (2), 10-Q/A (2), EFFECT (2), S-3D (2), SC 13G/A (2), 424B3 (1), 5 (1), 8-A12G (1), 8-A12G/A (1), ARS (1), NT 10-K (1), NT 10-Q (1), POS AM (1), PRE 14A (1), S-4/A (1), S-8 POS (1)

  • Latest filingsAnnual report (10-K) Mar 25, 2026
    Quarterly report (10-Q) Aug 12, 2026
    Proxy statement (DEF 14A) Mar 26, 2026
    Latest 8-K (8-K) Jul 22, 2026

Securities registered for trading

ClassSymbolExchange
NONENONE

From the cover page of the 10-K filed Mar 25, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks JUNIATA VALLEY FINANCIAL CORP names in Item 1A of its 10-K filed Mar 25, 2026: 19 risks under these headings, as written.4

  • RISKS RELATED TO INTEREST RATES AND LIQUIDITY
  • Fluctuations in 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 and future iterations of those 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 emphasize liquidity planning at both the Bank and Company levels.
  • Unrealized losses in the Bank’s investment portfolio could affect liquidity.
  • COMPLIANCE AND REGULATORY RISKS
  • The increasing time and expense associated with regulatory compliance and risk management could negatively impact our results of operations.
  • RISKS RELATED TO OPERATIONS
  • Cybersecurity incidents could disrupt business operations, result in the loss of critical and confidential information, and adversely impact the Company’s reputation and results of operations.
  • Potential disruption or failure of network and information processing systems and those of third-party vendors may negatively impact the Company’s operations.
The other 10 risks
  • 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.
  • The Company’s potential use of artificial intelligence technologies, and future adoptions of similar technologies, could expose the Company to operational, regulatory, reputational and competitive risks.
  • The Company may not be able to attract and retain skilled people.
  • ECONOMIC AND CREDIT RISKS
  • General economic conditions may harm the Company’s industry, business and results of operations.
  • 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 could negatively impact the Company’s results of operations.
  • The Company may be negatively impacted by customer and regulatory reaction to unrelated bank failures.
  • RISKS RELATED TO INVESTMENT IN THE COMPANY’S STOCK
  • The Company is a holding company and relies on dividends from its subsidiaries for substantially all of 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.

Legal proceedings

At times, the nature of the Company’s and the Bank’s business generates litigation involving matters arising in the ordinary course of business. However, in the opinion of management, there are no proceedings pending to which the Company or the Bank is a party or to which its property is subject, which, if adversely determined, would be material in relation to their financial condition. In addition, no material proceedings are pending or are known to be threatened or contemplated against the Company by government authorities or others.

The opening of Item 3, Legal Proceedings.4

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