Juniata Valley Q4 net income up 34.7% to $2.0M, EPS $0.40; FY net income $8.0M, +28.2%

JUNIATA VALLEY FINANCIAL CORP

2025-FY EPS reported $1.59

Net income Q4 2025 $2.0M (+34.7%), diluted EPS $0.40 vs $0.30 in Q4 2024.
Full-year net income $8.0M (+28.2%), diluted EPS $1.59 vs $1.25.
Net interest margin improved 34 bps in Q4 to 3.10%; NPLs just 0.1% of loans.
Loans grew 12.6% year-over-year; total assets $895.3M (+5.5%).
Board declared $0.22/share dividend payable Feb 27, 2026 to shareholders of record Feb 13.

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