Juniata Valley Q2 net income $1.9M (+9.5% YoY); EPS $0.38 (+8.6%)

JUNIATA VALLEY FINANCIAL CORP

2025-Q2 EPS reported $0.78

Earnings of $0.38 per share vs $0.35 in Q2 2024; six-month EPS $0.78 (+25.8% vs $0.62).
Net interest margin (FTE) expanded 22bps to 2.95% in Q2; loan growth of 4.2% YTD.
Credit quality strong: nonperforming loans 0.1% of total loans; delinquent+NPL 0.3%.
Board declared $0.22 cash dividend paid Sept 1, 2025 to holders of record Aug 18.
Management cites disciplined loan/deposit pricing and healthy loan growth as drivers.

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