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Juniata Valley Financial Corp vs United Bancorp Inc vs Bank of the James Financial Group Inc vs Peoples Financial Corp

Latest annual figures from SEC filings. Each company is shown for its own most recent fiscal year, so period ends can differ. Select a figure to see its full history.

Latest fiscal year	Juniata Valley Financial Corp JUVF	United Bancorp Inc UBCP	Bank of the James Financial Group Inc BOTJRevenue covers only part of its income (partial revenue)	Peoples Financial Corp PFBX
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	n/a	n/a
Revenue growth (YoY)	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Operating margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
Net income	$7.98M	$7.75M	$9.02M	$3.91M
EPS (Diluted)	$1.59	$1.34	$1.99	$0.85
Operating cash flow	$10.10M	$10.46M	$11.66M	$4.50M
Free cash flow	n/a	-$1.32M	$10.49M	$4.20M
Cash & equivalents	n/a	$46.53M	n/a	n/a
Total assets	$895.26M	$857.45M	$1.04B	$727.12M
Total liabilities	$837.89M	$786.93M	$958.98M	$626.45M
Shareholders' equity	$57.37M	$70.52M	$80.05M	$100.67M
Return on year-end equity	13.9%	11.0%	11.3%	3.9%
Shares outstanding	5.02M	5.76M	4.54M	4.62M

n/a means the company did not report that line under the concept TickerFacts maps, not that it is zero.

Revenue, most recent five fiscal years

Fiscal year	Juniata Valley Financial Corp	United Bancorp Inc	Bank of the James Financial Group Inc	Peoples Financial Corp
Latest	n/a	n/a	n/a	n/a
1 year earlier	n/a	n/a	n/a	n/a
2 years earlier	n/a	n/a	n/a	n/a
3 years earlier	n/a	n/a	n/a	n/a
4 years earlier	n/a	n/a	n/a	n/a