Juniata Valley (OTCQX: JUVF) Q2 profit, margin rise and dividend
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
AI-generated analysis. How Rhea-AI works. Not financial advice.
FAQ
How did Juniata Valley Financial Corp. (JUVF) perform in Q2 2026?
What were JUVF's year-to-date 2026 earnings and returns?
How did net interest margin and net interest income change for JUVF in 2026?
How did JUVF's assets, loans, and deposits change by June 30, 2026?
What is Juniata Valley Financial Corp.'s (JUVF) credit quality and liquidity position?
What dividend did JUVF declare in July 2026?
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
(Exact name of registrant as specified in its charter)
(State or other Jurisdiction of Incorporation) | (Commission File Number) | (IRS Employer Identification No.) |
(Address of principal executive offices) | (Zip Code) |
Registrant’s telephone number, including area code: (
Not Applicable |
(Former name or former address if changed since last report.) |
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Securities registered pursuant to Section 12(b) of the Act:
Title of each class | Trading Symbol(s) | Name of each exchange on which registered | ||
Juniata Valley Financial Corp.
Current Report on Form 8-K
Item 2.02Results of Operations and Financial Condition
On July 22, 2026, Juniata Valley Financial Corp. issued a press release reporting financial results for the quarter ended June 30, 2026. The aforementioned press release is attached as Exhibit 99.1 to this current report on Form 8-K.
Item 9.01 Financial Statements and Exhibits.
Exhibits. The exhibits listed in the Exhibit Index accompanying this Form 8-K are furnished herewith.
Exhibit Index
Exhibit No. |
| Description |
99.1 |
| Press Release reporting financial results for the quarter ended June 30, 2026. |
104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
Juniata Valley Financial Corp. | ||||
Date: July 22, 2026 | By: | /s/ Michael W. Wolf | ||
Name: | Michael W. Wolf | |||
Title: | EVP, Chief Financial Officer | |||
Exhibit 99.1
Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2026
Mifflintown, PA, July 22, 2026 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended June 30, 2026 of $2.5 million, an increase of 32.0% compared to net income of $1.9 million for the three months ended June 30, 2025. Earnings per share, basic and diluted, increased 31.6%, to $0.50, for the three months ended June 30, 2026, compared to $0.38 for the three months ended June 30, 2025. Net income was $5.3 million for the six months ended June 30, 2026, an increase of 35.7% compared to net income of $3.9 million for the six months ended June 30, 2025. Earnings per share, basic and diluted, were $1.06 and $1.05, respectively, for the six months ended June 30, 2026, compared to earnings per share, both basic and diluted, of $0.78 for the six months ended June 30, 2025.
President’s Message
President and Chief Executive Officer, Marcie A. Barber stated, “We continued to build on the momentum of the first quarter and are pleased to announce second quarter net income of $2.5 million, which represents a nearly 32% increase over the same quarter last year. We believe that this improvement was due, in large part, to our ability to provide responsive, customer-centered solutions coupled with disciplined loan and deposit pricing. This approach resulted in a $1.2 million increase in net interest income, reflecting a 41 basis point improvement in our net interest margin. Year-to-date net income of $5.3 million represents a 36% increase compared to the first half of last year, reflecting in part, a 49 basis point improvement for the six month period in our net interest margin. Our credit quality remains strong, with nonperforming loans plus delinquent loans totaling 0.2% of the total loan portfolio. Our focus for the second half of 2026 is to accelerate loan growth, especially in the State College and Harrisburg regions, while maintaining credit quality and continuing to focus on fee generation and operating expense discipline. We opened our Belleville office on July 6, 2026 and are excited about the opportunity to serve the financial needs of the Big Valley region of Mifflin County.”
Financial Results Year-to-Date
Annualized return on average assets for the six months ended June 30, 2026 was 1.18%, an increase of 28.3%, compared to the annualized return on average assets of 0.92% for the six months ended June 30, 2025. Annualized return on average equity for the six months ended June 30, 2026 was 17.75%, an increase of 12.6%, compared to the annualized return on average equity of 15.76% for the six months ended June 30, 2025.
Net interest income increased by 22.7%, to $14.7 million for the six months ended June 30, 2026 compared to $12.0 million for the six months ended June 30, 2025. Average earning assets increased $42.1 million, or 5.0%, to $888.4 million for the six months ended June 30, 2026 compared to the same period in 2025. This increase was due to an increase of $69.3 million, or 12.8%, in average loans, which was partially offset by a decrease of $27.9 million, or 9.4%, in average investment securities as principal paydowns on the mortgage-backed securities portfolio, as well as proceeds from maturities and called securities, were used to fund loan growth rather than being reinvested into the securities portfolio. Average interest bearing liabilities increased by $25.8 million, or 4.3%, for the six months ended June 30, 2026 compared to the six months ended June 30, 2025, with the largest increase being in average interest bearing demand deposits, which increased $14.3 million, or 6.9%.
The yield on earning assets increased 37 basis points, to 4.83%, for the six months ended June 30, 2026 compared to same period last year, driven by an increase in loan yields of 26 basis points, while the cost to fund interest earning assets with interest bearing liabilities decreased 15 basis points, to 2.09%. The net interest margin, on a fully tax equivalent basis, increased from 2.89% for the six months ended June 30, 2025 to 3.38% for the six months ended June 30, 2026.
Juniata recorded a provision for credit losses of $556,000 in the six months ended June 30, 2026 compared to a provision for credit losses of $453,000 in the six months ended June 30, 2025. The increase in the provision for credit losses between six month periods was due to continued loan growth.
Non-interest income was $2.8 million for both the six months ended June 30, 2026 and June 30, 2025. Most significantly impacting the comparative six month periods was an increase of $266,000 in the change in value of equity securities in the 2026 period, which was partially offset by a $209,000 loss on the sales and calls of securities due to a portfolio yield restructuring plan undertaken in the second quarter of 2026. Also impacting the comparative six month periods was an increase of $89,000 in fees derived from loan activity, which was offset by decreases of $58,000 in customer service fees and $70,000 in commissions from sales of non-deposit products due to the transition to a new wealth management business model in the second quarter of 2025.
Non-interest expense was $10.6 million for the six months ended June 30, 2026 compared to $9.8 million for the six months ended June 30, 2025, an increase of 9.1%. Most significantly impacting non-interest expense in the comparative six month periods were increases in employee compensation and benefits expenses of $445,000 and $387,000, respectively.
An income tax provision of $1.0 million was recorded for the six months ended June 30, 2026 compared to an income tax provision of $700,000 recorded for the six months ended June 30, 2025, due primarily to the increase in taxable income in the 2026 period.
Financial Results for the Quarter
Annualized return on average assets for the three months ended June 30, 2026 was 1.11%, an increase of 24.7%, compared to 0.89% for the three months ended June 30, 2025. Annualized return on average equity for the three months ended June 30, 2026 was 16.51%, an increase of 10.0%, compared to 15.01% for the three months ended June 30, 2025.
Net interest income increased by 20.0%, to $7.4 million, for the three months ended June 30, 2026 compared to $6.2 million for the three months ended June 30, 2025. Average interest earning assets increased 5.2%, to $894.1 million, for the three months ended June 30, 2026 compared to the same period in 2025, due to an increase of $72.8 million, or 13.3%, in average loans, which was partially offset by a decrease of $29.3 million, or 9.9%, in average investment securities. Average interest bearing liabilities increased by $27.4 million, or 4.5%, for the three months ended June 30, 2026 compared to the three months ended June 30, 2025, with interest bearing demand deposits, increasing $13.5 million, or 6.3%.
The yield on earning assets increased 30 basis points, to 4.80%, for the three months ended June 30, 2026 compared to same period last year, driven by an increase in loan yields of 13 basis points, while the cost to fund interest earning assets with interest bearing liabilities decreased 14 basis points, to 2.07%. The net interest margin, on a fully tax equivalent basis, increased from 2.95% for the three months ended June 30, 2025 to 3.36% for the three months ended June 30, 2026.
Juniata recorded a provision for credit losses of $376,000 for the three months ended June 30, 2026 compared to a provision for credit losses of $349,000 for the three months ended June 30, 2025.
Non-interest income was $1.4 million for the three months ended June 30, 2026 compared to $1.5 million for the three months ended June 30, 2025, a decrease of 5.8%. Most significantly impacting non-interest income in the comparative three month periods was a $209,000 loss on the sales and calls of securities due to a portfolio yield restructuring plan undertaken in the second quarter, which was partially offset by an increase of $180,000 in the change in value of equity securities.
Non-interest expense was $5.4 million for the three months ended June 30, 2026 compared to $5.1 million for the three months ended June 30, 2025, an increase of 7.1%. Most significantly impacting non-interest expense in the comparative three month periods were increases in employee compensation and benefits expenses of $176,000 and $192,000, respectively. Also impacting the comparative three month periods was an increase of $54,000 in occupancy expense due to increased maintenance expense, which was offset by a decrease of $82,000 in other non-interest expenses, primarily due to recording a $62,000 credit to the provision for unfunded commitments.
An income tax provision of $478,000 was recorded for the three months ended June 30, 2026 compared to an income tax provision of $329,000 recorded for the three months ended June 30, 2025, primarily due to the increase in taxable income in the 2026 period.
Financial Condition
Total assets as of June 30, 2026 were $918.9 million, an increase of $23.7 million, or 2.6%, compared to total assets of $895.3 million at December 31, 2025. Cash and cash equivalents increased by $2.6 million, or 22.3%, as of June 30, 2026 compared to December 31, 2025, while total debt securities decreased by $13.6 million, or 5.7%, over the same period as principal paydowns on the mortgage-backed securities portfolio, as well as proceeds from maturities and called securities, were used to fund loan growth rather than being reinvested into the securities portfolio. Total loans increased by $34.9 million, or 5.8%, as of June 30, 2026 compared to year-end 2025 primarily due to an increase in commercial real estate loans. Total deposits increased by $23.9 million, or 3.1%, as of June 30, 2026 compared to December 31, 2025 mainly due to an increase in interest bearing demand and time deposits. Short-term borrowings and repurchase agreements decreased by $6.1 million, or 12.2%, as of June 30, 2026 compared to year-end 2025 primarily due to a decrease in repurchase agreement balances resulting from fluctuations in customers’ accounts.
Juniata maintained a strong liquidity position as of June 30, 2026, with additional borrowing capacity with the Federal Home Loan Bank of Pittsburgh of $232.0 million and $41.9 million in additional borrowing capacity from the Federal Reserve’s Discount Window. In addition, Juniata has internal authorization for brokered deposits of up to $120.9 million. Juniata had no brokered deposits outstanding as of June 30, 2026.
Subsequent Event
On July 21, 2026, the Board of Directors declared a cash dividend of $0.22 per share to shareholders of record on August 18, 2026, payable on September 1, 2026.
Management had considered subsequent events occurring after the statement of condition date through the date of this release for matters which may require adjustment to, or disclosure in, the consolidated financial statements. Management’s subsequent-events review will continue through the filing date of the consolidated financial statements, which will be filed subsequent to the date of this release. 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 fifteen 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.jvb.bank. 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,” “likely,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “project,” “forecast,” “goal,” “target,” “would,” “outlook,” 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 materialize, 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) | | | ||
| | June 30, 2026 | | December 31, 2025 | ||
ASSETS | | | | | | |
Cash and due from banks | | $ | 5,750 | | $ | 5,719 |
Interest bearing deposits with banks | |
| 8,256 | |
| 5,729 |
Cash and cash equivalents | |
| 14,006 | |
| 11,448 |
| | | | | | |
Equity securities | |
| 1,551 | |
| 1,273 |
Debt securities available for sale | |
| 46,455 | |
| 55,600 |
Debt securities held to maturity (fair value $172,623 and $179,984, respectively) | |
| 177,707 | |
| 182,205 |
Restricted investment in bank stock | |
| 2,560 | |
| 2,522 |
Total loans | |
| 636,234 | |
| 601,378 |
Less: Allowance for credit losses | |
| (7,629) | |
| (7,083) |
Total loans, net of allowance for credit losses | |
| 628,605 | |
| 594,295 |
Premises and equipment, net | |
| 9,551 | |
| 9,256 |
Bank owned life insurance and annuities | |
| 16,087 | |
| 15,947 |
Investment in low-income housing partnerships | |
| 349 | |
| 510 |
Core deposit and other intangible assets | |
| 163 | |
| 190 |
Goodwill | |
| 9,812 | |
| 9,812 |
Deferred tax asset, net | |
| 7,471 | |
| 8,198 |
Accrued interest receivable and other assets | |
| 4,596 | |
| 4,007 |
Total assets | | $ | 918,913 | | $ | 895,263 |
LIABILITIES AND STOCKHOLDERS' EQUITY | |
| | |
| |
Liabilities: | |
| | |
| |
Deposits: | |
| | |
| |
Non-interest bearing | | $ | 210,448 | | $ | 209,865 |
Interest bearing | |
| 595,272 | |
| 571,934 |
Total deposits | |
| 805,720 | |
| 781,799 |
| | | | | | |
Short-term borrowings and repurchase agreements | |
| 43,822 | |
| 49,906 |
Other interest bearing liabilities | |
| 660 | |
| 720 |
Accrued interest payable and other liabilities | |
| 6,038 | |
| 5,465 |
Total liabilities | |
| 856,240 | |
| 837,890 |
Commitments and contingent liabilities | | | | | | |
Stockholders' Equity: | |
| | |
| |
Preferred stock, no par value: Authorized - 500,000 shares, none issued | |
| — | |
| — |
Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at June 30, 2026 and December 31, 2025; Outstanding - 5,034,291 shares at June 30, 2026 and 5,018,799 shares at December 31, 2025 | |
| 5,151 | |
| 5,151 |
Surplus | |
| 24,659 | |
| 24,820 |
Retained earnings | |
| 59,804 | |
| 56,696 |
Accumulated other comprehensive loss | |
| (25,054) | |
| (27,154) |
Cost of common stock in Treasury: 116,988 shares at June 30, 2026; 132,480 shares at December 31, 2025 | |
| (1,887) | |
| (2,140) |
Total stockholders' equity | |
| 62,673 | |
| 57,373 |
Total liabilities and stockholders' equity | | $ | 918,913 | | $ | 895,263 |
Juniata Valley Financial Corp. and Subsidiary
Consolidated Statements of Income (Unaudited)
| | Three Months Ended |
| Six Months Ended | ||||||||
(Dollars in thousands, except share and per share data) | | June 30, |
| June 30, | ||||||||
| | 2026 | | 2025 |
| 2026 | | 2025 | ||||
Interest income: |
| | | | | |
| | ||||
Loans, including fees | | $ | 9,396 | | $ | 8,112 | | $ | 18,706 | | $ | 15,893 |
Taxable securities | |
| 1,259 | |
| 1,372 | |
| 2,480 | |
| 2,737 |
Tax-exempt securities | |
| 18 | |
| 30 | |
| 48 | |
| 60 |
Other interest income | |
| 20 | |
| 20 | |
| 40 | |
| 37 |
Total interest income | |
| 10,693 | |
| 9,534 | |
| 21,274 | |
| 18,727 |
Interest expense: | |
| | |
| | |
| | |
| |
Deposits | |
| 2,839 | |
| 2,889 | |
| 5,597 | |
| 5,692 |
Short-term borrowings and repurchase agreements | |
| 439 | |
| 440 | |
| 947 | |
| 971 |
Long-term debt | |
| — | |
| 21 | |
| — | |
| 51 |
Other interest bearing liabilities | |
| 5 | |
| 7 | |
| 11 | |
| 14 |
Total interest expense | |
| 3,283 | |
| 3,357 | |
| 6,555 | |
| 6,728 |
Net interest income | |
| 7,410 | |
| 6,177 | |
| 14,719 | |
| 11,999 |
Provision for credit losses | |
| 376 | |
| 349 | |
| 556 | |
| 453 |
Net interest income after provision for credit losses | |
| 7,034 | |
| 5,828 | |
| 14,163 | |
| 11,546 |
Non-interest income: | |
| | |
| | |
| | |
| |
Customer service fees | |
| 433 | |
| 466 | |
| 868 | |
| 926 |
Debit card fee income | |
| 470 | |
| 450 | |
| 900 | |
| 872 |
Earnings on bank-owned life insurance and annuities | |
| 71 | |
| 62 | |
| 140 | |
| 119 |
Trust fees | |
| 113 | |
| 112 | |
| 239 | |
| 243 |
Commissions from sales of non-deposit products | |
| 50 | |
| 69 | |
| 100 | |
| 170 |
Fees derived from loan activity | |
| 167 | |
| 158 | |
| 362 | |
| 273 |
Loss on sales and calls of securities | |
| (209) | |
| — | |
| (209) | |
| — |
Change in value of equity securities | |
| 220 | |
| 40 | |
| 278 | |
| 12 |
Gain from life insurance proceeds | |
| — | |
| 20 | |
| — | |
| 20 |
Other non-interest income | |
| 77 | |
| 100 | |
| 156 | |
| 188 |
Total non-interest income | |
| 1,392 | |
| 1,477 | |
| 2,834 | |
| 2,823 |
Non-interest expense: | |
| | |
| | |
| | |
| |
Employee compensation expense | |
| 2,274 | |
| 2,098 | |
| 4,518 | |
| 4,073 |
Employee benefits | |
| 694 | |
| 502 | |
| 1,435 | |
| 1,048 |
Occupancy | |
| 355 | |
| 301 | |
| 681 | |
| 667 |
Equipment | |
| 253 | |
| 243 | |
| 505 | |
| 460 |
Data processing expense | |
| 761 | |
| 778 | |
| 1,415 | |
| 1,407 |
Professional fees | |
| 256 | |
| 247 | |
| 492 | |
| 453 |
Taxes, other than income | |
| 100 | |
| 95 | |
| 118 | |
| 126 |
FDIC Insurance premiums | |
| 137 | |
| 119 | |
| 266 | |
| 254 |
Amortization of intangible assets | |
| 13 | |
| 17 | |
| 27 | |
| 35 |
Amortization of investment in low-income housing partnerships | |
| 80 | |
| 80 | |
| 161 | |
| 161 |
Other non-interest expense | |
| 503 | |
| 585 | |
| 1,019 | |
| 1,066 |
Total non-interest expense | |
| 5,426 | |
| 5,065 | |
| 10,637 | |
| 9,750 |
Income before income taxes | |
| 3,000 | |
| 2,240 | |
| 6,360 | |
| 4,619 |
Income tax provision | |
| 478 | |
| 329 | |
| 1,041 | |
| 700 |
Net income | | $ | 2,522 | | $ | 1,911 | | $ | 5,319 | | $ | 3,919 |
Earnings per share | |
| | |
| | |
| | |
| |
Basic | | $ | 0.50 | | $ | 0.38 | | $ | 1.06 | | $ | 0.78 |
Diluted | | $ | 0.50 | | $ | 0.38 | | $ | 1.05 | | $ | 0.78 |
Michael Wolf
Email: michael.wolf@jvbonline.com
Phone: (717) 436-7203