Earnings summaries and quarterly performance for JUNIATA VALLEY FINANCIAL.
Executive leadership at JUNIATA VALLEY FINANCIAL.
Board of directors at JUNIATA VALLEY FINANCIAL.
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Juniata Valley Financial Corp. Announces Q4 and Full-Year 2025 Results
JUVF
Earnings
Dividends
Revenue Acceleration/Inflection
- **Juniata Valley Financial Corp. reported a net income of $2.0 million for the three months ended December 31, 2025, a 34.7% increase from $1.5 million in the prior year period. Full-year 2025 net income was $8.0 million, up 28.2% from $6.2 million in 2024. **
- **Earnings per share (basic and diluted) rose to $0.40 for Q4 2025, up from $0.30 in Q4 2024. For the full year 2025, EPS was $1.59, compared to $1.25 (basic) and $1.24 (diluted) in 2024. **
- **The company's net interest margin increased by 34 basis points over Q4 2024 and 27 basis points for the full year 2025, primarily driving the earnings growth, supported by a 12.6% increase in total loans to $601.4 million by year-end 2025. **
- **Total assets increased by 5.5% to $895.3 million, and total deposits grew by 4.5% to $781.8 million as of December 31, 2025, compared to December 31, 2024. **
- **A cash dividend of $0.22 per share was declared, payable on February 27, 2026, to shareholders of record on February 13, 2026. **
Jan 29, 2026, 3:17 PM
Juniata Valley Financial Corp. Announces Q4 and Full-Year 2025 Results
JUVF
Earnings
Dividends
Revenue Acceleration/Inflection
- Juniata Valley Financial Corp. reported a net income of $2.0 million for the three months ended December 31, 2025, a 34.7% increase from the prior year, and $8.0 million for the full year 2025, a 28.2% increase.
- Earnings per share (basic and diluted) for Q4 2025 were $0.40, up from $0.30 in Q4 2024, and $1.59 for the full year 2025, up from $1.25 (basic) / $1.24 (diluted) in FY 2024.
- The net interest margin (fully tax equivalent) improved by 34 basis points to 3.10% for Q4 2025 and by 27 basis points to 2.98% for FY 2025, primarily due to improved net interest income.
- Total assets increased by 5.5% to $895.3 million as of December 31, 2025, with total loans growing 12.6% to $601.4 million compared to year-end 2024.
- The Board of Directors declared a cash dividend of $0.22 per share on January 20, 2025, payable on February 27, 2026, to shareholders of record on February 13, 2026.
Jan 29, 2026, 2:52 PM
Juniata Valley Financial Corp. Announces Strong Q3 2025 Results with Increased Net Income and EPS
JUVF
Earnings
Dividends
Revenue Acceleration/Inflection
- 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.
- 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.
- 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.
- 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.
- 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.
Oct 22, 2025, 7:07 PM
Juniata Valley Financial Corp. Announces Q3 2025 Results
JUVF
Earnings
Dividends
Revenue Acceleration/Inflection
- 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.
- 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.
- 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.
- 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.
- The Board of Directors declared a cash dividend of $0.22 per share on October 21, 2025, payable on December 1, 2025.
Oct 22, 2025, 6:45 PM
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