Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $5.16M | $4.54M | $5.90M | $5.83M | $5.60M | $6.60M | $8.32M | $6.60M | $6.23M | $7.98M |
| EPS (diluted) | $1.07 | $0.95 | $1.18 | $1.14 | $1.10 | $1.32 | $1.66 | $1.31 | $1.24 | $1.59 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6.30M | $6.80M | $5.32M | $9.94M | $6.78M | $8.87M | $9.94M | $7.87M | $5.33M | $10.1M |
| Share buybacks | $927K | $86.0K | $70.0K | $428K | $1.45M | $861K | $3.00K | $324K | $3.00K | $4.00K |
| Dividends paid | $4.23M | $4.19M | $4.41M | $4.49M | $4.46M | $4.40M | $4.40M | $4.41M | $4.40M | $4.41M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $9.56M | $9.90M | $16.5M | $12.7M | $41.6M | $13.5M | — | — | — | — |
| Total assets | $580M | $592M | $625M | $671M | $794M | $811M | $831M | $871M | $849M | $895M |
| Total liabilities | $521M | $533M | $558M | $597M | $717M | $739M | $794M | $830M | $801M | $838M |
| Long-term debt | $25.0M | $25.0M | $15.0M | $45.0M | $35.0M | $20.0M | $20.0M | $20.0M | $5.00M | $0.00 |
| Shareholders' equity | $59.1M | $59.4M | $67.4M | $73.7M | $76.6M | $71.3M | $35.7M | $40.1M | $47.5M | $57.4M |
| Retained earnings | $39.9M | $40.9M | $42.5M | $44.0M | $45.1M | $47.3M | $51.2M | $51.3M | $53.1M | $56.7M |
| Shares (wtd avg diluted) | 4.80M | 4.78M | 5.01M | 5.12M | 5.08M | 5.01M | 5.01M | 5.02M | 5.01M | 5.03M |
Every figure is extracted from JUNIATA VALLEY FINANCIAL CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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