The consistent YoY earnings growth and NIM expansion confirm the bank's positive operating momentum. Monitor Q3 for loan growth acceleration in State College/Harrisburg and expense discipline, as non-interest expense grew 7.1% YoY. The Belleville office opening is a small positive catalyst for deposit/loan growth in a new market.
Price Chart
Executive Summary
Juniata Valley Financial Corp. reported Q2 2026 net income of $2.5M (+32% YoY) and EPS of $0.50 (+31.6% YoY), driven by a 20% increase in net interest income to $7.4M and a 41bps NIM expansion to 3.36%. Credit quality remains strong with nonperforming+delinquent loans at 0.2% of the portfolio, and the company opened a new Belleville office in July 2026. The consistent earnings growth and margin improvement confirm the positive trajectory from Q1, but the sequential decline from Q1's $0.56 EPS tempers the bullish case.
Key Financial Metrics
Key Facts
- Q2 2026 net income $2.5M, +32% YoY from $1.9M
- EPS $0.50, +31.6% YoY from $0.38
- Net interest income $7.4M, +20% YoY
- Net interest margin 3.36%, +41bps YoY
- Nonperforming+delinquent loans 0.2% of total loan portfolio
- Quarterly dividend $0.22 declared, payable Sept 1, 2026
- Total loans $636.2M, +5.8% YTD
- Total deposits $805.7M, +3.1% YTD
Financial Impact
Net income increased $0.6M YoY to $2.5M; EPS rose $0.12 to $0.50
Risk Factors
- Non-interest expense growth of 7.1% YoY outpacing revenue growth
- Non-interest income declined 5.8% YoY due to $209K securities loss
- Provision for credit losses increased to $376K from $349K YoY on loan growth
- Small-cap community bank with limited liquidity on OTCQX
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001104659-26-085689 |
| Document: juvf-20260722x8k.htm | 0001104659-26-085689 |
| Document: 0001104659-26-085689-index-headers.html | 0001104659-26-085689 |
| Document: 0001104659-26-085689-index.html | 0001104659-26-085689 |
| Document: 0001104659-26-085689.txt | 0001104659-26-085689 |
| 8-K Data (Synthetic) | 0001104659-26-085689 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $15.52 | awaiting T+60 | — | $15.56 (+0.26%) |
Jul 22, 2026 13w ago | 8-K | $15.98 $15.52 | ▼ −2.88% | ▼ −6.40% | $15.56 (−2.63%) |
May 19, 2026 22w ago | 8-K | $14.20 $16.28 | ▲ +14.65% | ▲ +8.36% | $15.56 (+9.58%) |
Apr 22, 2026 26w ago | 8-K | $14.80 $15.40 | ▲ +4.05% | ▼ −0.73% | $15.56 (+5.14%) |
US Market Status
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