Record quarterly earnings driven by loan growth and margin expansion, with credit quality at near-pristine levels. The dividend increase signals management confidence. Watch Q4 loan growth acceleration in State College and Harrisburg regions as the key catalyst for further upside.
Price Chart
Executive Summary
Juniata Valley Financial Corp. reported record quarterly net income of $2.9M for Q3 2026, up 40.5% YoY, with EPS of $0.57 beating the prior year's $0.41 by 39.0%. The bank also increased its quarterly dividend to $0.2225 per share from $0.22, reflecting strong credit quality (NPL+delinquencies at 0.1% of loans) and a 49bp NIM expansion to 3.53%.
Key Financial Metrics
Key Facts
- Q3 2026 net income of $2.9M, +40.5% YoY vs $2.1M
- EPS $0.57, +39.0% YoY vs $0.41
- Net interest margin expanded 49bp to 3.53% (FTE basis)
- Quarterly dividend increased to $0.2225/share from $0.22
- Nonperforming + delinquent loans at 0.1% of total loans
- Net interest income $7.9M, +20.9% YoY
- Total loans grew $36.0M or 6.0% YTD vs year-end 2025
- Stockholders' equity up $7.2M or 12.5% YTD
Financial Impact
Net income up 40.5% YoY to $2.9M; EPS up 39% to $0.57; NIM +49bp to 3.53%
Risk Factors
- Expense growth (non-interest expense +5.5% YoY) driven by employee benefits and data processing costs
- Potential net interest margin compression if deposit costs rise faster than loan yields
- Concentration in commercial real estate loans
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001104659-26-118018 |
| Document: juvf-20261022x8k.htm | 0001104659-26-118018 |
| Document: 0001104659-26-118018-index-headers.html | 0001104659-26-118018 |
| Document: 0001104659-26-118018-index.html | 0001104659-26-118018 |
| Document: 0001104659-26-118018.txt | 0001104659-26-118018 |
| 8-K Data (Synthetic) | 0001104659-26-118018 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | 8-K | $15.52 | awaiting T+60 | — | $15.52 (+0.00%) |
Jul 22, 2026 13w ago | 8-K | $15.98 $15.52 | ▼ −2.88% | ▼ −6.40% | $15.52 (−2.88%) |
May 19, 2026 22w ago | 8-K | $14.20 $16.28 | ▲ +14.65% | ▲ +8.36% | $15.52 (+9.30%) |
Apr 22, 2026 26w ago | 8-K | $14.80 $15.40 | ▲ +4.05% | ▼ −0.73% | $15.52 (+4.86%) |
US Market Status
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