JUVF
Juniata Valley Financial Corp.13.90
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
69.76MP/E (TTM)
9.39Basic EPS (TTM)
1.48Dividend Yield
0.06%Recent Filings
10-Q
Q3 FY2025 results
Juniata Valley Financial Corp. posted solid Q3 FY2025 results, with net income climbing 25.6% year-over-year to $2.1 million, or $0.41 diluted EPS, fueled by net interest income up 13.1% to $6.6 million on a 31 basis point expansion in net interest margin to 3.04% (derived). Loan growth drove the momentum, pushing average loans 5.7% higher while yields edged up 12 basis points to 6.01%, though investment securities dipped 6.2% amid funding priorities. Non-interest income rose 5.0% to $1.5 million on stronger loan fees, yet expenses ticked up 6.7% to $5.4 million from higher compensation. Liquidity stays robust with $10.5 million in cash equivalents and $244.1 million unused FHLB capacity; total debt fell to $42.7 million after repaying the $5.0 million long-term advance. Deposits grew 3.7% to $775.6 million. Competition in rural lending remains a key watch point.
8-K
Q3 net income jumps 25.6%
Juniata Valley Financial Corp. reported third-quarter 2025 net income of $2.1 million, up 25.6% from $1.6 million a year earlier, fueled by a net interest margin expansion to 3.04%. Loans surged 8.2% year-to-date to $577.7 million, backed by core deposit growth, while credit quality held firm at 0.1% nonperforming loans. Earnings climbed. Management eyes sustained loan momentum into 2026, though forward-looking views carry inherent risks.
10-Q
Q2 FY2025 results
Juniata Valley Financial Corp. posted solid Q2 FY2025 results, with net income climbing 9.5% year-over-year to $1.9 million and diluted EPS edging up to $0.38 from $0.35, fueled by net interest income growth of 6.9% to $6.2 million as loan yields rose 11 basis points to 5.93% while funding costs dipped 8 basis points to 2.21%, lifting the net interest margin to 2.95%. Total loans expanded 4.2% quarter-over-quarter to $556.3 million, driven by commercial and construction segments, yet non-interest income held steady at $1.5 million and expenses stayed flat at $5.1 million, keeping efficiency in check. Liquidity looks robust, with cash equivalents at $12.1 million and $203.9 million in unused FHLB capacity after repaying $5.0 million in long-term debt; free cash flow came in at $(10.5) million (derived) from $3.3 million in operating cash flow minus $13.9 million capex on loans. Deposits grew 1.5% to $759.3 million, but competition from larger banks could squeeze margins further.
8-K
Q2 net income up 9.5%
Juniata Valley Financial Corp. reported Q2 2025 net income of $1.9 million, up 9.5% from $1.7 million in Q2 2024, driven by disciplined loan and deposit pricing plus healthy loan growth. Year-to-date net income climbed 26.4% to $3.9 million, with net interest margin expanding to 2.95% from 2.73%, while credit quality stayed strong at 0.1% nonperforming loans. Total loans rose 4.2% to $556.3 million since year-end. Management eyes sustained loan momentum boosting margins ahead.
8-K
Annual meeting elects directors
Juniata Valley Financial Corp. held its annual shareholder meeting on May 20, 2025, electing Marcie A. Barber and Steven C. Sliver as Class B directors until 2028, with strong support—over 2.5 million votes for each—while approving executive pay by a wide margin. The presentation revealed 2024 net income of $6.2 million, a 1.6% loan rise to $534 million, and solid credit quality with non-performing loans at 0.12%. Q1 2025 earnings jumped to $2.0 million, ROA hit 0.94%, and NIM expanded to 2.83%. Tide's turning.
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