Juniata Valley Financial Q1 net income rises 48% to $2.0M; EPS $0.40 vs $0.27

JUNIATA VALLEY FINANCIAL CORP

2025-Q1 EPS reported $0.40

Net income $2.0M, +48.2% YoY; diluted EPS $0.40 (vs $0.27).
Net interest margin (tax-equivalent) expanded 20 bp to 2.83% from 2.63%.
Noninterest expense down 9.2% to $4.7M on lower compensation and benefits.
Credit quality strong: nonperforming loans 0.1% of total loans; delinquent/NPLs 0.4%.
Board declared $0.22 per share cash dividend, payable May 30, 2025, record May 16.

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