Juniata Valley Q1 net income $2.8M (+39% YoY); NIM expands to 3.39%

JUNIATA VALLEY FINANCIAL CORP

2026-Q1 EPS reported $0.55

Net income $2.8M (+39.3% YoY); EPS $0.55-0.56 vs $0.40 YoY.
Net interest income rose 25.5% to $7.3M; NIM expanded 56bps to 3.39%.
Noninterest income +7.1% to $1.4M; noninterest expense +11.2% to $5.2M.
Credit quality strong: nonperforming/delinquent loans only 0.1% of total loans.
Board declared $0.22/share dividend payable June 1 to record May 18.

item 2.02 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.9

JUNIATA VALLEY FINANCIAL CORP reported the three months ended March 31, 2026 results: revenue $7.3 million, net income $2.8 million, EPS $0.56 and $0.55.

Period: the three months ended March 31, 2026
Revenue: $7.3 million
Net income: $2.8 million
EPS: $0.56 and $0.55
Result: reported results

Exact text from the filing

average equity for the three months ended March 31, 2026 was 19.04%, compared to 16.55% for the three months ended March 31, 2025. Net interest income increased by 25.5%, to $7.3 million for the three months ended March 31, 2026, compared to $5.8 million for the three months ended March 31, 2025. Average interest earning assets increased 4.7%, to $882.6 million,

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Source: SEC EDGAR

accession 0001104659-26-046483

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