Exhibit 99.1

Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced that Juniata’s net income for the year ended December 31, 2017, was $4,537,000, a 12.0% decrease from net income of $5,156,000 in 2016. Earnings per share for 2017 were $0.95, compared to $1.07 in 2016. For the fourth quarter of 2017 net income was $578,000, a decrease of $724,000 as compared to net income of $1,302,000 in the fourth quarter of 2016. Earnings per share were $0.12 in the fourth quarter of 2017, compared to $0.27 in the fourth quarter of 2016. Excluding the impact of the events described below, for the year ended December 31, 2017, adjusted net income was $5,253,000, an increase of 6.2% over adjusted net income for the year ended December 31, 2016. Adjusted net income for the fourth quarter of 2017 was $1,294,000 compared to the fourth quarter of 2016 of $1,286,000 and adjusted earnings per share increased by 7.8% in 2017, from $1.02 in 2016 to $1.10 in 2017.

President and Chief Executive Officer, Marcie A. Barber stated, “For Juniata Valley Financial Corp., 2017 was a year of great accomplishment in creating “Building Blocks for the Future”. We constructed a flagship branch with state-of-the-art service delivery, completely remodeled our Trust Division offices, developed a wider array of mortgage product offerings, and advanced and expanded our social media presence. We also reduced the volatility in a legacy defined benefit plan, completed the second phase of our commitment to invest in a low income elderly housing project within one of our local communities, and signed a definitive agreement to merge Liverpool Community Bank into JVB. These efforts did not distract us from continuing to grow our franchise and achieve higher levels of profitability. All of this was accomplished using teamwork throughout all levels of the JVB organization.” Further, she commented, “While the costs associated with several of our initiatives, along with the one-time negative effect of the Tax Cuts and Jobs Act, make comparability of 2016 and 2017 results more difficult, we are proud of our accomplishments and look to 2018 with anticipation.”

Comparability of the results of operations for the twelve and three month periods ending December 31, 2017 and December 31, 2016 was materially impacted by the following events that occurred in 2017 and 2016.

In order to provide meaningful performance comparisons between the years and quarters ended December 31, 2016 and December 31, 2017, respectively, Juniata believes it is appropriate to segregate and exclude the impact of the items described above in order to present comparative results of Juniata’s business during these periods. The discussion of “adjusted” measures in this release excludes those items and, as a result, contains non-GAAP financial measures, which are reconciled to GAAP financial measures in supplemental tables presented below.

For 2017, return on average assets and return on average equity were 0.76% and 7.57%, respectively. On an adjusted basis, return on average assets was 0.88% in 2017 as compared to 0.85% in 2016 and return on average equity was 8.77% and 8.08% in 2017 and 2016, respectively.

Net interest income increased for the year ended December 31, 2017 by $318,000, or 1.7%, when compared to 2016, as average earning assets were $16.4 million, or 3.1% higher in 2017. Gains from the sales or calls of investment securities in 2017 exceeded those recorded in 2016 by $294,000.

Non-interest income was $5,292,000 in 2017 versus $5,418,000 in 2016. Excluding the items discussed previously, adjusted non-interest income increased by $416,000, of which $294,000 was attributed to gains from sales and calls of securities.

Non-interest expense was $17,775,000 in 2017 versus $17,178,000 in 2016, an increase of $597,000. Excluding the impact of the non-interest expense items discussed above, non-interest expense increased by $43,000 in 2017. Employee compensation and benefits expense increased due to staffing enhancements and increased medical insurance expense, occupancy and equipment expense increased due to the completion and occupation of a relocated banking office, and amortization began on phase II of the low income elderly housing tax credit investment. Partially offsetting those increases, were reductions in losses on the liquidation of foreclosed assets, FDIC insurance premiums and data processing expense. Additionally, valuation of properties held in other real estate owned resulted in net gains of $8,000 in 2017 as compared to net losses of $150,000 in 2016.

For the fourth quarter of 2017, return on average assets and return on average equity were 0.39% and 3.86%, respectively. On an adjusted basis, return on average assets was 0.87% as compared to 0.88% for the same period in 2016 and adjusted return on average equity was 8.64% and 8.44% in the fourth quarters of 2017 and 2016, respectively.

Net interest income increased in the fourth quarter of 2017 by $68,000 when compared to the fourth quarter of 2016, primarily due to higher average loan balances offset by the effect of higher funding costs.

Comparing the fourth quarter of 2017 to the fourth quarter of 2016, non-interest income declined by $122,000, principally due to a difference of $82,000 in securities gains. Excluding the impact of the non-interest income items discussed above, non-interest income increased by $65,000 in the fourth quarter of 2017. Other sources of non-interest income increased in 2017 by $24,000.

Total assets at December 31, 2017 were $591,945,000, an increase of 2.0% compared to December 31, 2016. During 2017, loan balances averaged $385,411,000 as compared to average loan balances in 2016 of $379,177,000, an increase of 1.6%. Average deposit balances likewise increased by 1.6% in 2017 as compared to 2016.

On January 17, 2018, Juniata Valley Financial Corp.’s Board of Directors declared a cash dividend of $0.22 per share, payable on March 1, 2018 to shareholders of record on February 15, 2018.

Management considers subsequent events occurring after the statement of condition date for matters which may require adjustment to, or disclosure in, the consolidated financial statements.  The review period for subsequent events extends up to and including the filing date of a public company’s consolidated financial statements when filed with the SEC.  Accordingly, the financial information in this announcement is subject to change.

The Juniata Valley Bank, the principal subsidiary of Juniata Valley Financial Corp., is headquartered in Mifflintown, Pennsylvania, with fifteen community offices located in Juniata, Mifflin, Perry, Huntingdon, McKean and Potter Counties. In addition, Juniata Valley owns 39.16% of Liverpool Community Bank, which it carries under the equity method of accounting. More information regarding Juniata Valley Financial Corp. and The Juniata Valley Bank can be found online at www.JVBonline.com. Juniata Valley Financial Corp. trades through OTC Pink under the symbol JUVF.

Non-GAAP Financial Measures and Key Performance Indicators

We use non-GAAP financial measures, such as adjusted net income, adjusted earnings per share (diluted), adjusted return on average assets and adjusted return on average equity, adjusted non-interest income and adjusted non-interest expense to provide information useful to investors in understanding our adjusted performance and trends, and to facilitate comparisons with the performance of our peers. Management uses these measures internally to assess and better understand our underlying business performance and trends related to our business activities. The non-GAAP financial measures and key performance indicators we use may differ from the non-GAAP financial measures and key performance indicators other financial institutions use to measure their performance and trends.

Non-GAAP financial measures should be viewed in addition to, and not as an alternative for, our reported results prepared in accordance with GAAP. In the event of disclosure or release of non-GAAP financial measures, the Securities and Exchange Commission’s (SEC) Regulation G requires: (i) the presentation of the most directly comparable financial measure calculated and presented in accordance with GAAP and (ii) a reconciliation of the differences between the non-GAAP financial measure presented and the most directly comparable financial measure calculated and presented in accordance with GAAP (included in the tables at the end of this release).

In order to assess and better understand our underlying business performance and trends, Juniata’s non-GAAP adjustments exclude merger expenses from non-interest expense. Merger expenses consist principally of expenses required to satisfy contractual obligations of the acquired entity triggered by the transaction, costs required to convert and consolidate the acquired entity’s records, systems and data onto our platforms and professional fees related to the transaction. Merger expenses are specific to each individual transaction and may vary significantly based on the size and complexity of the transaction.

In addition, when assessing performance and trends, Juniata’s management excludes the impact of settlement charges associated with the process of reducing the risk associated with the unfunded pension obligation related to the Juniata’s defined benefit plan, gains from life insurance proceeds and the one-time adjustment to the net deferred tax assets as a result of the Tax Cuts and Jobs Act. These costs are each unusual and infrequent and can vary significantly in size when incurred, such that the comparability of relevant periods can be affected because results of the affected periods can be distorted, either positively or negatively.

Forward-Looking Information

*This press release may contain “forward looking” information as defined by the Private Securities Litigation Reform Act of 1995. When words such as “believes”, “expects”, “anticipates” or similar expressions are used in this release, Juniata Valley is making forward-looking statements. Such information is based on Juniata’s current expectations, estimates and projections about future events and financial trends affecting the financial condition of its business. These statements are not historical facts or guarantees of future performance, events or results. Such statements involve potential risks and uncertainties and, accordingly, actual results may differ materially from this forward-looking information. Many factors could affect future financial results. Juniata undertakes no obligation to publicly update or revise forward looking information, whether as a result of new or updated information, future events, or otherwise. For a more complete discussion of certain risks and uncertainties affecting Juniata, please see the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations – Forward-Looking Statements” set forth in the Juniata’s filings with the SEC.

Financial Statements

Juniata Valley Financial Corp. and Subsidiary

Consolidated Statements of Financial Condition  

 Juniata Valley Financial Corp. and Subsidiary

Consolidated Statements of Income

GAAP to non-GAAP Reconciliation

(Dollars in thousands, except share data)

GAAP to non-GAAP Reconciliation (continued)

(Dollars in thousands, except share data)