Juniata Valley Financial Q2 2026 profit jumps
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.
Rhea-AI Filing Summary
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.
Positive
- Net income and EPS grew sharply, with Q2 2026 net income up 32.0% to $2.5 million and first-half net income up 35.7% to $5.3 million, while EPS increased to $0.50 for the quarter and over $1.05 year-to-date.
- Profitability and margin improved, as net interest income rose over 20%, net interest margin expanded to 3.36%–3.38%, and annualized return on average equity reached 16.51% in Q2 and 17.75% year-to-date.
- Balance sheet and credit quality were resilient, with loans and deposits growing, total assets reaching $918.9 million, nonperforming plus delinquent loans at 0.2% of total loans, and the board declaring a $0.22 per-share cash dividend.
Negative
- None.
Filing Explained
At June 30, 2026, common shares outstanding were 5,034,291 versus 5,018,799 at year-end, while issued shares stayed 5,151,279.
The July 22 Form 8-K furnishes second-quarter results and the company’s June 30 financial condition; its balance sheet reports more common shares outstanding at quarter-end than at year-end, without a change in issued shares.
Form 8-K is used to report specified material events, and this filing places the event at the reporting stage rather than presenting a new financing or completed corporate transaction.
The financial information is unaudited and the company says its subsequent-events review will continue through the filing date of the consolidated financial statements, so the reported figures remain subject to change.
The balance sheet reports
8-K Event Classification
Key Figures
Key Terms
net interest margin financial
provision for credit losses financial
non-interest income financial
brokered deposits financial
Discount Window financial
Earnings Snapshot
FAQ
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