Juniata Valley Q3 net income $2.1M, EPS $0.41; NIM expands to 3.04%

JUNIATA VALLEY FINANCIAL CORP

2025-Q3 EPS reported $1.19

Net income Q3 $2.1M (+25.6% YoY); EPS $0.41 vs $0.33; 9-month net income $6.0M (+26.1%).
Net interest margin (FTE) improved to 3.04% from 2.73% YoY; loan yields up 12 bps.
Total loans grew 8.2% YTD; nonperforming loans only 0.1% of portfolio; credit quality strong.
Dividend declared $0.22/share, payable Dec 1, record Nov 17 (unchanged from prior quarter).
Annualized ROAA 0.94% (Q3) vs 0.76% YoY; ROAE 15.47% vs 14.72%.

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