Juniata Valley reports Q4 net income $1.7M ($0.33 EPS), down 19% YoY; full-year EPS $1.32 vs $1.66

JUNIATA VALLEY FINANCIAL CORP

2023-FY EPS reported $1.31

Q4 net income $1.7M ($0.33 diluted EPS) vs $2.1M ($0.42) in Q4 2022.
Full-year 2023 net income $6.6M ($1.32 EPS) vs $8.3M ($1.66); ROA 0.79% vs 1.02%.
Net interest margin fell to 2.64% in Q4 2023 from 3.13% in Q4 2022; cost of funds increased 120 bps.
Credit loss expense $89K in Q4 vs $105K; full-year $500K vs $455K; asset quality remained favorable.
Dividend declared $0.22/share, payable March 1, 2024 to holders of record Feb 16.

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 0.95

JUNIATA VALLEY FINANCIAL CORP reported three months ended December 31, 2023 results: net income $1.7 million, EPS $0.33.

Period: three months ended December 31, 2023
Net income: $1.7 million
EPS: $0.33
Result: reported results

Exact text from the filing

Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”) announced net income for the three months ended December 31, 2023 of $1.7 million compared to net income of $2.1 million for the three months ended December 31, 2022. Earnings per share, basic and diluted, was $0.33 for the three months ended December 31, 2023, compared to $0.42 for the three months ended December 31, 2022.

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Earnings Releases SEC 8-K Item 2.02 confidence 0.95

JUNIATA VALLEY FINANCIAL CORP reported year ended December 31, 2023 results: net income $6.6 million, EPS $1.32.

Period: year ended December 31, 2023
Net income: $6.6 million
EPS: $1.32
Result: reported results

Exact text from the filing

Net income for the year ended December 31, 2023 was $6.6 million compared to net income of $8.3 million for the year ended December 31, 2022. Basic and diluted earnings per share were $1.32 and $1.31, respectively, for the year ended December 31, 2023 compared to basic and diluted earnings per share of $1.66 for the corresponding 2022 period.

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JUNIATA VALLEY FINANCIAL CORP filing history →

Source: SEC EDGAR

accession 0001558370-24-000565

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