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Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Juniata Valley Financial's Net Income for the
three
months ended in Jun. 2026 was $2.52 Mil. Its Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was $9.38 Mil.
Juniata Valley Financial (OTCPK:JUVF) Net Income Explanation
Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:
Juniata Valley Financial's Earnings per Share (Diluted) (EPS) for the quarter that ended in Jun. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
EPS is most useful for companies that have:
A predictable business
Consistent accounting methods
And few restructurings
The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.
Be Aware
Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.
Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.
If net earnings is less than 10%, likely to be in a highly competitive business.
Juniata Valley Financial Net Income Related Terms
Juniata Valley Financial Net Income Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.
Net Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.38 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Juniata Valley Financial (JUVF) has a Net Income of $9.38 Mil as of Jun. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Juniata Valley Financial and its competitors.
Is Juniata Valley Financial's Net Income too high?
Juniata Valley Financial's current Net Income is $9.38 Mil. Overall, Juniata Valley Financial has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Juniata Valley Financial's Net Income compare to CZNL and KLIB?
Juniata Valley Financial's Net Income of $9.38 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Juniata Valley Financial and its competitors. Juniata Valley Financial's current Net Income is $9.38 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Juniata Valley Financial stock overvalued right now?
Based on GuruFocus' analysis, Juniata Valley Financial (JUVF) is currently considered Fairly Valued. The stock's GF Value™ is $15.15, compared to a current price of $16.57 — trading 9.4% above its estimated fair value. The current Net Income is $9.38 Mil. Juniata Valley Financial's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Juniata Valley Financial (JUVF), the current Net Income is $9.38 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Juniata Valley Financial (JUVF) Overvalued in 2026?
Based on GuruFocus' analysis, Juniata Valley Financial stock appears to be overvalued.
The current stock price of $16.57 is trading 9.4% above its estimated GF Value™ of $15.15.
GuruFocus considers Juniata Valley Financial to be Fairly Valued.
Key valuation signals for JUVF:
Net Income: $9.38 Mil
GF Value™: $15.15 vs. price of $16.57 (9.4% above fair value)
No single metric tells the full story. See the JUVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Juniata Valley Financial Corp is a bank holding company providing retail and commercial banking and other financial services. It offers a full range of consumer banking services, including deposit accounts, online and mobile banking, debit cards, and consumer lending products such as mortgages, construction, and secured loans. Its commercial banking services include business checking accounts, online account management, remote deposit, ACH origination, payroll services, and commercial lending products such as lines of credit and letters of credit. The Bank also provides trust, asset management, and estate services, and, through a contractual arrangement with a broker-dealer, offers financial services including annuities, mutual funds, brokerage services, and long-term care insurance.
64GF Score
Get the complete analysis for JUVF
Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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