Juniata Valley Financial Corp. Announces Results for the Quarter Ended September 30, 2025
Juniata Valley Financial Corp (OTCQX:JUVF) reported net income of $2.1 million for Q3 2025, up 25.6% year-over-year, and $6.0 million for the nine months ended September 30, 2025, up 26.1% year-over-year. Diluted EPS rose to $0.41 for Q3 and $1.19 year-to-date. Key drivers included a wider net interest margin (Q3: 3.04%; YTD: 2.94%), loan growth of 8.2% since year-end 2024, and deposit growth of 3.7%.
Credit metrics remain strong (nonperforming loans 0.1% of loans) and liquidity is ample with FHLB and Discount Window capacity; the board declared a $0.22 per share cash dividend payable December 1, 2025.
Juniata Valley Financial Corp (OTCQX:JUVF) ha riportato un utile netto di 2,1 milioni di dollari per il terzo trimestre 2025, in aumento del 25,6% rispetto all'anno precedente, e 6,0 milioni di dollari nei primi nove mesi chiusi al 30 settembre 2025, in aumento del 26,1% rispetto allo stesso periodo dell'anno precedente. L'EPS Diluito è salito a 0,41 dollari per il terzo trimestre e 1,19 dollari dall'inizio dell'anno. I principali fattori hanno incluso un margine di interesse netto più ampio (Q3: 3,04%; YTD: 2,94%), crescita dei prestiti dell'8,2% rispetto alla fine del 2024 e crescita dei depositi dell'3,7%.
Le metriche creditizie restano solide (inadempienti 0,1% dei prestiti) e la liquidità è abbondante con la capacità presso la FHLB e la Discount Window; il consiglio di amministrazione ha dichiarato un dividendo in contanti di 0,22 dollari per azione, pagabile il 1 dicembre 2025.
Juniata Valley Financial Corp (OTCQX:JUVF) reportó una utilidad neta de 2,1 millones de dólares para el tercer trimestre de 2025, un aumento del 25,6% interanual, y 6,0 millones de dólares para los primeros nueve meses finalizados el 30 de septiembre de 2025, un aumento del 26,1% interanual. Las ganancias diluidas por acción aumentaron a 0,41 dólares para el 3T y 1,19 dólares en lo que va del año. Los factores clave incluyeron un mayor margen neto de interés (3T: 3,04%; YTD: 2,94%), crecimiento de préstamos del 8,2% desde fines de 2024 y crecimiento de depósitos del 3,7%.
Las métricas de crédito siguen siendo sólidas (préstamos morosos 0,1% de los préstamos) y la liquidez es abundante, con capacidad en FHLB y Discount Window; la junta declaró un dividendo en efectivo de 0,22 USD por acción, pagadero el 1 de diciembre de 2025.
Juniata Valley Financial Corp (OTCQX:JUVF)는 2025년 3분기에 210만 달러의 순이익을 보고했으며, 전년 동기 대비 25.6% 증가했고 9개월 누적 순이익은 600만 달러로 2025년 9월 30일 종료 기준으로 전년 대비 26.1% 증가했습니다. 희석 주당순이익은 3분기에 0.41달러, 연간 누적 기준으로 1.19달러로 상승했습니다. 주요 요인으로는 더 넓어진 순이자마진(Q3: 3.04%, 연간 누계: 2.94%), 2024년 말 대비 대출 성장률 8.2%, 예금 성장률 3.7%이 포함됩니다.
신용 지표는 여전히 양호하고(연체대출이 대출의 0.1%), 유동성은 FHLB 및 Discount Window 용량으로 충분합니다. 이사회는 2025년 12월 1일 지급 예정인 주당 현금 배당금 0.22달러를 선언했습니다.
Juniata Valley Financial Corp (OTCQX:JUVF) a enregistré un bénéfice net de 2,1 millions de dollars pour le T3 2025, en hausse de 25,6% sur un an, et 6,0 millions de dollars pour les neufs premiers mois terminant le 30 septembre 2025, en hausse de 26,1% sur un an. L'EPS dilué est passé à 0,41 dollar pour le T3 et 1,19 dollar année à ce jour. Les moteurs clés incluent une marge nette d'intérêts plus large (T3: 3,04%; YTD: 2,94%), une croissance des prêts de 8,2% depuis fin 2024 et une croissance des dépôts de 3,7%.
Les métriques de crédit restent solides (prêts non performants à 0,1% des prêts) et la liquidité est ample avec la capacité FHLB et Discount Window; le conseil d'administration a déclaré un dividende en espèces de 0,22 dollar par action, payable le 1er décembre 2025.
Juniata Valley Financial Corp (OTCQX:JUVF) meldete einen Nettogewinn von 2,1 Millionen USD für das 3. Quartal 2025, eine Steigerung von 25,6% im Jahresvergleich, und 6,0 Millionen USD für die ersten neun Monate beendet am 30. September 2025, ein Anstieg von 26,1% im Jahresvergleich. Der verwässerte Gewinn je Aktie stieg auf 0,41 USD für das Q3 und 1,19 USD year-to-date. Treiber waren ein höherer Nettoumschlagszins (Q3: 3,04%; YTD: 2,94%), ein Kreditwachstum von 8,2% seit Ende 2024 und ein Einlagenwachstum von 3,7%.
Kreditkennzahlen bleiben stark (Ausfallrate 0,1% der Kredite) und Liquidität ist ausreichend mit FHLB- und Discount Window-Kapazitäten; der Vorstand hat eine Bardividende von 0,22 USD pro Aktie angekündigt, zahlbar am 1. Dezember 2025.
شركة Juniata Valley Financial Corp (OTCQX:JUVF) أبلغت عن صافي دخل قدره 2.1 مليون دولار للربع الثالث من 2025، بزيادة قدرها 25.6% مقارنة بالعام السابق، و 6.0 ملايين دولار للمدة التسعة أشهر المنتهية في 30 سبتمبر 2025، بزيادة قدرها 26.1% مقارنة بالعام السابق. ارتفع EPS المُخفّض إلى 0.41 دولار للربع الثالث وإلى 1.19 دولار منذ بداية العام. العوامل الرئيسية شملت هامش فائدة صافي أوسع (3.04% للربع الثالث؛ السنة حتى تاريخه 2.94%)، ونمو القروض بنسبة 8.2% منذ نهاية 2024 ونمو الودائع بنسبة 3.7%.
ظلت مقاييس الائتمان قوية (0.1% من القروض) والسيولة وفيرة مع قدرة لدى FHLB وDiscount Window؛ أعلن المجلس عن توزيع نقدي قدره 0.22 دولار للسهم، قابل للدفع في 1 ديسمبر 2025.
Juniata Valley Financial Corp (OTCQX:JUVF) 报告称，2025 年第三季度净利润为 210万美元，同比增长 25.6%，截至 2025 年 9 月 30 日的前九个月净利润为 600万美元，同比增长 26.1%。摊薄每股收益（EPS）为第三季度 0.41 美元，年度至今为 1.19 美元。主要驱动因素包括更宽的 净利差（Q3：3.04%；YTD：2.94%）、自 2024 年底以来贷款增长 8.2%、存款增长 3.7%。
信贷指标仍然强劲（不良贷款占比 0.1% 的贷款）且流动性充足，具备来自 FHLB 和 Discount Window 的容量；董事会宣布每股现金股利 0.22 美元，将于 2025 年 12 月 1 日支付。
- Q3 net income +25.6% to $2.1 million
- Q3 EPS $0.41, up 24.2% year-over-year
- Net interest margin Q3 3.04% (YTD 2.94%)
- Loans +8.2% since December 31, 2024
- Deposits +3.7% since December 31, 2024
- Provision for credit losses YTD $669,000, up from $471,000
- Non-interest expense Q3 increased to $5.4 million from $5.1 million
Mifflintown, PA, Oct. 22, 2025 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended September 30, 2025 of
President’s Message
President and Chief Executive Officer, Marcie A. Barber stated, “We are excited to announce third quarter net income of
Financial Results Year-to-Date
Annualized return on average assets for the nine months ended September 30, 2025 was
Net interest income was
The yield on earning assets increased 17 basis points, to
Juniata recorded a provision for credit losses of
Non-interest income was
Non-interest expense was
An income tax provision of
Financial Results for the Quarter
Annualized return on average assets for the three months ended September 30, 2025 was
Net interest income was
The yield on earning assets increased 18 basis points, to
Juniata recorded a provision for credit losses of
Non-interest income was
Non-interest expense was
An income tax provision of
Financial Condition
Total assets as of September 30, 2025 were
Juniata maintained a strong liquidity position as of September 30, 2025, with additional borrowing capacity with the Federal Home Loan Bank of Pittsburgh of
Subsequent Event
On October 21, 2025, the Board of Directors declared a cash dividend of
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 with the Securities and Exchange Commission. Accordingly, the financial information in this release is subject to change.
The Juniata Valley Bank, the principal subsidiary of Juniata Valley Financial Corp., is headquartered in Mifflintown, Pennsylvania, with fourteen community offices located in Juniata, Mifflin, Perry, Franklin, McKean and Potter Counties. 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 the OTCQX Best Market under the symbol JUVF.
Forward-Looking Information
*This press release may contain “forward looking” information as defined by the Private Securities Litigation Reform Act of 1995. Forward-looking statements reflect the current views of Juniata’s management with respect to, among other things, future events and Juniata’s financial performance. When words such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “project,” “forecast,” “goal,” “target,” “would” and “outlook,” or the negative variations of those words or similar expressions are used in this release, Juniata 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, many of which, by their nature, are inherently uncertain and beyond the control of Juniata. These statements are not historical facts or guarantees of future performance, events or results and are subject to risks, assumptions and uncertainties that are difficult to predict. If one or more events related to these or other risks or uncertainties materializes, or if underlying assumptions prove to be incorrect, actual results may differ materially from this forward-looking information. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and many factors could affect future financial results. Juniata undertakes no obligation to publicly update or revise forward looking information, whether because 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 Securities and Exchange Commission.
Financial Statements
Juniata Valley Financial Corp. and Subsidiary
Consolidated Statements of Financial Condition
| (Dollars in thousands, except share data) | (Unaudited) | |||||||
| September 30, 2025 | December 31, 2024 | |||||||
| ASSETS | ||||||||
| Cash and due from banks | $ | 5,585 | $ | 5,064 | ||||
| Interest bearing deposits with banks | 4,893 | 5,934 | ||||||
| Cash and cash equivalents | 10,478 | 10,998 | ||||||
| Equity securities | 1,218 | 1,189 | ||||||
| Debt securities available for sale | 61,460 | 64,623 | ||||||
| Debt securities held to maturity (fair value | 184,557 | 191,627 | ||||||
| Restricted investment in bank stock | 2,508 | 2,530 | ||||||
| Total loans | 577,722 | 533,869 | ||||||
| Less: Allowance for credit losses | (6,834 | ) | (6,183 | ) | ||||
| Total loans, net of allowance for credit losses | 570,888 | 527,686 | ||||||
| Premises and equipment, net | 9,171 | 9,382 | ||||||
| Bank owned life insurance and annuities | 15,990 | 15,214 | ||||||
| Investment in low income housing partnerships | 591 | 832 | ||||||
| Core deposit and other intangible assets | 207 | 258 | ||||||
| Goodwill | 9,812 | 9,812 | ||||||
| Mortgage servicing rights | 62 | 69 | ||||||
| Deferred tax asset, net | 8,547 | 9,842 | ||||||
| Accrued interest receivable and other assets | 4,978 | 4,812 | ||||||
| Total assets | $ | 880,467 | $ | 848,874 | ||||
| LIABILITIES AND STOCKHOLDERS' EQUITY | ||||||||
| Liabilities: | ||||||||
| Deposits: | ||||||||
| Non-interest bearing | $ | 207,419 | $ | 196,801 | ||||
| Interest bearing | 568,159 | 551,156 | ||||||
| Total deposits | 775,578 | 747,957 | ||||||
| Short-term borrowings and repurchase agreements | 42,744 | 42,242 | ||||||
| Long-term debt | — | 5,000 | ||||||
| Other interest bearing liabilities | 713 | 830 | ||||||
| Accrued interest payable and other liabilities | 6,431 | 5,388 | ||||||
| Total liabilities | 825,466 | 801,417 | ||||||
| Commitments and contingent liabilities | ||||||||
| Stockholders' Equity: | ||||||||
| Preferred stock, no par value: Authorized - 500,000 shares, none issued | — | — | ||||||
| Common stock, par value | 5,151 | 5,151 | ||||||
| Surplus | 24,781 | 24,896 | ||||||
| Retained earnings | 55,793 | 53,126 | ||||||
| Accumulated other comprehensive loss | (28,584 | ) | (33,320 | ) | ||||
| Cost of common stock in Treasury: 132,480 shares at September 30, 2025; 147,895 shares at December 31, 2024 | (2,140 | ) | (2,396 | ) | ||||
| Total stockholders' equity | 55,001 | 47,457 | ||||||
| Total liabilities and stockholders' equity | $ | 880,467 | $ | 848,874 | ||||
Juniata Valley Financial Corp. and Subsidiary
Consolidated Statements of Income (Unaudited)
| Three Months Ended | Nine Months Ended | |||||||||||
| (Dollars in thousands, except share and per share data) | September 30, | September 30, | ||||||||||
| 2025 | 2024 | 2025 | 2024 | |||||||||
| Interest income: | ||||||||||||
| Loans, including fees | $ | 8,624 | $ | 7,979 | $ | 24,517 | $ | 23,224 | ||||
| Taxable securities | 1,325 | 1,421 | 4,062 | 4,341 | ||||||||
| Tax-exempt securities | 30 | 30 | 90 | 89 | ||||||||
| Other interest income | 17 | 24 | 54 | 116 | ||||||||
| Total interest income | 9,996 | 9,454 | 28,723 | 27,770 | ||||||||
| Interest expense: | ||||||||||||
| Deposits | 2,903 | 2,879 | 8,595 | 8,243 | ||||||||
| Short-term borrowings and repurchase agreements | 530 | 741 | 1,501 | 2,151 | ||||||||
| Long-term debt | — | 31 | 51 | 237 | ||||||||
| Other interest bearing liabilities | 7 | 8 | 21 | 25 | ||||||||
| Total interest expense | 3,440 | 3,659 | 10,168 | 10,656 | ||||||||
| Net interest income | 6,556 | 5,795 | 18,555 | 17,114 | ||||||||
| Provision for credit losses | 216 | 232 | 669 | 471 | ||||||||
| Net interest income after provision for credit losses | 6,340 | 5,563 | 17,886 | 16,643 | ||||||||
| Non-interest income: | ||||||||||||
| Customer service fees | 474 | 473 | 1,400 | 1,300 | ||||||||
| Debit card fee income | 458 | 428 | 1,330 | 1,302 | ||||||||
| Earnings on bank-owned life insurance and annuities | 71 | 60 | 190 | 174 | ||||||||
| Trust fees | 106 | 108 | 349 | 359 | ||||||||
| Commissions from sales of non-deposit products | 60 | 98 | 230 | 309 | ||||||||
| Fees derived from loan activity | 202 | 103 | 475 | 451 | ||||||||
| Change in value of equity securities | 64 | 70 | 76 | 66 | ||||||||
| Gain from life insurance proceeds | — | — | 20 | — | ||||||||
| Other non-interest income | 82 | 105 | 270 | 259 | ||||||||
| Total non-interest income | 1,517 | 1,445 | 4,340 | 4,220 | ||||||||
| Non-interest expense: | ||||||||||||
| Employee compensation expense | 2,577 | 2,249 | 6,650 | 6,689 | ||||||||
| Employee benefits | 476 | 555 | 1,524 | 1,733 | ||||||||
| Occupancy | 278 | 320 | 945 | 979 | ||||||||
| Equipment | 251 | 248 | 711 | 617 | ||||||||
| Data processing expense | 734 | 684 | 2,141 | 2,162 | ||||||||
| Professional fees | 256 | 297 | 709 | 830 | ||||||||
| Taxes, other than income | 45 | 60 | 171 | 154 | ||||||||
| FDIC Insurance premiums | 126 | 141 | 380 | 435 | ||||||||
| Amortization of intangible assets | 16 | 22 | 51 | 64 | ||||||||
| Amortization of investment in low-income housing partnerships | 80 | 81 | 241 | 242 | ||||||||
| Other non-interest expense | 605 | 444 | 1,671 | 1,453 | ||||||||
| Total non-interest expense | 5,444 | 5,101 | 15,194 | 15,358 | ||||||||
| Income before income taxes | 2,413 | 1,907 | 7,032 | 5,505 | ||||||||
| Income tax provision | 357 | 270 | 1,057 | 767 | ||||||||
| Net income | $ | 2,056 | $ | 1,637 | $ | 5,975 | $ | 4,738 | ||||
| Earnings per share | ||||||||||||
| Basic | $ | 0.41 | $ | 0.33 | $ | 1.19 | $ | 0.95 | ||||
| Diluted | $ | 0.41 | $ | 0.33 | $ | 1.19 | $ | 0.95 | ||||
Michael Wolf Email: michael.wolf@jvbonline.com Phone: (717) 436-7203
FAQ
What were Juniata Valley Financial (JUVF) Q3 2025 net income and EPS?
How much did Juniata's loans and deposits change as of September 30, 2025?
What was Juniata Valley's net interest margin in Q3 2025 and year-to-date?
Did Juniata declare a dividend after the September 30, 2025 quarter?
How did credit quality and provisions look for JUVF in 2025?
What liquidity capacity did Juniata report on September 30, 2025?
