- Juniata Valley Financial Corp. reported a **25.6% increase in net income to $2.1 million** for the three months ended September 30, 2025, with diluted earnings per share rising **24.2% to $0.41** compared to the same period in 2024.  **[714712_0001104659-25-101498_juvf-20251022xex99d1.htm:0]** 
- For the nine months ended September 30, 2025, net income increased **26.1% to $6.0 million**, and diluted EPS rose **25.3% to $1.19** compared to the nine months ended September 30, 2024.  **[714712_0001104659-25-101498_juvf-20251022xex99d1.htm:0]** 
- The company's net interest margin, on a fully tax equivalent basis, improved to **3.04% for Q3 2025** from 2.73% in Q3 2024, and to **2.94% for the nine months ended September 30, 2025** from 2.70% in the comparable 2024 period.  **[714712_0001104659-25-101498_juvf-20251022xex99d1.htm:3]** **[714712_0001104659-25-101498_juvf-20251022xex99d1.htm:1]** 
- Total assets grew by **3.7% to $880.5 million** as of September 30, 2025, driven by an **8.2% increase in total loans** and a **3.7% increase in total deposits** compared to December 31, 2024.  **[714712_0001104659-25-101498_juvf-20251022xex99d1.htm:4]** 
- The Board of Directors declared a **cash dividend of $0.22 per share** on October 21, 2025, to shareholders of record on November 17, 2025, payable on December 1, 2025.  **[714712_0001104659-25-101498_juvf-20251022xex99d1.htm:5]**

Juniata Valley Financial Corp. Announces Strong Q3 2025 Results with Increased Net Income and EPS

- Juniata Valley Financial Corp. reported a **net income of $2.1 million** for the three months ended September 30, 2025, representing a **25.6% increase** compared to the same period in 2024, with diluted earnings per share rising **24.2% to $0.41**.  **[714712_b379c30f9539485885175f8f9e972067_0]** 
- For the nine months ended September 30, 2025, net income increased **26.1% to $6.0 million**, and diluted earnings per share grew **25.3% to $1.19**.  **[714712_b379c30f9539485885175f8f9e972067_0]** 
- The net interest margin, on a fully tax equivalent basis, improved to **3.04%** for the third quarter of 2025 and **2.94%** for the nine months ended September 30, 2025.  **[714712_b379c30f9539485885175f8f9e972067_3]** **[714712_b379c30f9539485885175f8f9e972067_1]** 
- Total assets increased by **3.7% to $880.5 million** as of September 30, 2025, compared to December 31, 2024, primarily driven by an **8.2% increase in total loans**.  **[714712_b379c30f9539485885175f8f9e972067_4]** **[714712_b379c30f9539485885175f8f9e972067_6]** 
- The Board of Directors declared a cash dividend of **$0.22 per share** on October 21, 2025, payable on December 1, 2025.  **[714712_b379c30f9539485885175f8f9e972067_4]**

JUNIATA VALLEY FINANCIAL (JUVF)