Q2 net income $2.0M (+14% YoY); EPS $0.40 vs $0.35

JUNIATA VALLEY FINANCIAL CORP

2022-Q2 EPS reported $0.82

Net income $2.0M, EPS $0.40; six-month net income $4.1M, EPS $0.82 (+22% YoY).
Net interest margin expanded to 3.08% from 2.76% on higher rates and loan yield.
Recorded $222k loan loss provision vs $200k credit year-ago due to loan growth and economic uncertainty.
Board declared $0.22/share dividend payable Sep 1 to holders of record Aug 16.
CEO Marcie Barber cited robust loan growth of ~$30M in Q2 and strong asset quality.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.