Juniata Valley Financial Corp. (JUVF) reported third-quarter net income of $2.9 million, up 40.5% from $2.1 million a year earlier; basic and diluted earnings per share were $0.57, up 39.0% from $0.41. For the nine months ended September 30, 2026, net income was $8.2 million, up 37.4% from $6.0 million.
Third-quarter net interest income increased 20.9% to $7.9 million, and fully tax-equivalent net interest margin was 3.53%, versus 3.04% a year earlier. As of September 30, 2026, total assets were $913.1 million; total loans increased 6.0% and total deposits increased 4.1% from December 31, 2025. Nonperforming loans plus delinquent loans were 0.1% of total loans.
The board declared an increased cash dividend of $0.2225 per share on October 20, 2026, for shareholders of record November 17, 2026, payable December 1, 2026. The company said the financial information remains subject to change while management's subsequent-events review continues through the filing of the consolidated financial statements.
Juniata Valley Financial Corp. reported improved performance for the three and six months ended June 30, 2026. Net income for the quarter rose to $2.5 million from $1.9 million a year earlier, and six‑month net income increased to $5.3 million from $3.9 million. Basic EPS was $0.50 for the quarter and $1.06 for the first half of 2026, up from $0.38 and $0.78, respectively.
Balance sheet growth was driven by lending. Total loans reached $636.2 million, up from $601.4 million at year‑end 2025, while total deposits increased to $805.7 million from $781.8 million. Total assets were $918.9 million versus $895.3 million at December 31, 2025.
Core profitability strengthened as net interest income for the first half grew to $14.7 million from $12.0 million. The allowance for credit losses increased modestly to $7.6 million, and nonaccrual loans remained low. Accumulated other comprehensive loss improved to $25.1 million from $27.2 million, reflecting positive securities valuation movements despite a $209,000 loss realized on a portfolio restructuring sale.
Juniata Valley Financial Corp. reported net income of $2.5 million for the three months ended June 30, 2026, up 32.0% from $1.9 million a year earlier. Basic and diluted earnings per share were $0.50, compared with $0.38. For the first half of 2026, net income was $5.3 million, a 35.7% increase from $3.9 million, with basic and diluted EPS of $1.06 and $1.05 versus $0.78.
Net interest income rose to $7.4 million in Q2 and $14.7 million year-to-date, driven by loan growth and higher asset yields, while funding costs declined. Net interest margin on a fully tax-equivalent basis increased to 3.36% for Q2 and 3.38% year-to-date from 2.95% and 2.89%. Annualized return on average assets reached 1.11% in Q2 and 1.18% year-to-date; annualized return on average equity was 16.51% and 17.75%. Nonperforming plus delinquent loans were 0.2% of total loans.
Total assets were $918.9 million as of June 30, 2026, with total loans of $636.2 million and deposits of $805.7 million, all higher than year-end 2025. Liquidity included $232.0 million of Federal Home Loan Bank borrowing capacity, $41.9 million from the Federal Reserve Discount Window, and authorization for up to $120.9 million of brokered deposits, with none outstanding. The board declared a cash dividend of $0.22 per share, payable September 1, 2026 to shareholders of record on August 18, 2026.
Juniata Valley Financial Corp director John P. Henry IV bought 1,100 shares of Common Stock in open-market transactions. He purchased 900 shares on June 4, 2026 at $14.98 per share, and two lots of 100 shares each on June 1, 2026 at $14.49 and $14.43. Following these purchases, he directly holds 3,083 shares.
Juniata Valley Financial Corp. reported that its shareholders approved the 2026 Long-Term Incentive Plan. This plan allows the company to grant various equity-based awards, including incentive and nonqualified stock options, stock appreciation rights, performance restricted shares, restricted stock awards, and stock awards to officers, directors and key employees.
The company notes that a full description of the plan’s material terms appears in its definitive proxy statement for the 2026 Annual Meeting of Shareholders filed on March 26, 2026, and the full plan is included as an exhibit to this report by reference.
Juniata Valley Financial Corp. reported results of its Annual Meeting of Shareholders held on May 19, 2026. Shareholders elected three Class C directors, with John P. Henry, IV receiving 2,517,114 votes for, Gary E. Kelsey 2,491,179, and Joseph B. Scarnati, III 2,489,770.
Investors also approved the non-binding say-on-pay proposal on executive compensation with 2,320,229 votes for, and approved the 2026 Incentive Plan with 2,377,918 votes for. The presentation slides used at the meeting were furnished as Exhibit 99.1.
Juniata Valley Financial Corp. reported higher profitability for the three months ended March 31, 2026. Net income rose to $2.8 million from $2.0 million a year earlier, with basic earnings per share increasing to $0.56 from $0.40.
Total assets reached $901.9 million, and net loans grew to $602.8 million. Deposits increased to $788.6 million, while stockholders’ equity improved to $60.0 million, supported by continued unrealized recovery in the securities portfolio that reduced accumulated other comprehensive loss.
Juniata Valley Financial Corp. reported strong results for the quarter ended March 31, 2026, with net income of $2.8 million, up 39.3% from $2.0 million a year earlier. Basic earnings per share rose to $0.56 from $0.40.
Net interest income increased 25.5% to $7.3 million as higher loan balances and better pricing lifted the net interest margin from 2.83% to 3.39%. Noninterest income grew 7.1% to $1.4 million, while noninterest expense rose 11.2% to $5.2 million, mainly from higher compensation and benefits.
Return on average assets improved to 1.25% and return on average equity to 19.04%. Asset quality remained strong, with nonperforming and delinquent loans totaling only 0.1% of the loan portfolio. The board declared a quarterly cash dividend of $0.22 per share payable June 1, 2026.
Juniata Valley Financial Corp. is holding a virtual annual meeting on May 19, 2026, where shareholders will elect three Class C directors, vote on a non-binding Say on Pay resolution, and consider approval of the new 2026 Long-Term Incentive Plan.
The record date is February 27, 2026, when 5,032,400 common shares were outstanding, each with one vote. The proposed 2026 plan would authorize up to 300,000 shares for equity awards, with annual limits of 25,000 shares per participant and 50,000 shares in total. Executive pay combines salary, cash bonuses and restricted stock, with 2025 compensation of $654,263 for the CEO and $385,425 for the CFO.
Juniata Valley Financial Corp. reports higher 2025 profitability, with net income of $7.98 million, up from $6.23 million in 2024, and diluted earnings per share of $1.59. Return on average assets rose to 0.92%, while return on average equity reached 15.30%.
Total assets were $895.26 million and deposits $781.80 million at year-end, with net loans of $594.30 million. The bank remained “well-capitalized” and “satisfactory” under the Community Reinvestment Act, paid an annual dividend of $0.88 per share, and operated 14 branches across central and northern Pennsylvania.
Management highlights traditional community banking, a stable local deposit base, and diversified fee income from trust and wealth services, but also details risks from interest rates, liquidity, competition, cybersecurity, technology change, regulation and securities market volatility.