Juniata Valley Financial reports Q3 net income $1.9M, EPS $0.38, up 18.8% YoY

JUNIATA VALLEY FINANCIAL CORP

2021-Q3 EPS reported $1.05

Q3 2021 net income $1.9M vs $1.6M in Q3 2020 (+18.1%); diluted EPS $0.38 vs $0.32 (+18.8%).
Nine-month net income $5.3M vs $4.2M (+24.1%); diluted EPS $1.05 vs $0.83 (+26.5%).
Record quarterly earnings driven by $257k provision credit; credit quality strength and recoveries.
Net interest margin fell to 2.79% from 2.91% in prior-year quarter due to low-rate environment.
Board declares $0.22/share dividend, payable Dec 1, 2021 to shareholders of record Nov 15, 2021.

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