Juniata Valley Q3 net income up 40.5% to $2.9M, EPS $0.57; dividend raised to $0.2225

JUNIATA VALLEY FINANCIAL CORP

Q3 net income $2.9M vs $2.1M a year ago; EPS basic and diluted $0.57 vs $0.41, up 39.0%.
Q3 net interest income $7.9M, up 20.9%; net interest margin (FTE) 3.53% vs 3.04%, a 49bp improvement cited by CEO Marcie A. Barber.
Nine-month net income $8.2M (+37.4%), EPS $1.63; ROAA 1.21% and ROAE 17.88% vs 0.92% and 15.65%.
Board declared increased dividend of $0.2225 per share, record Nov 17, 2026, payable Dec 1, 2026.
Total loans up $36.0M (6.0%) YTD on commercial real estate; nonperforming plus delinquent loans 0.1% of total loans.

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