JUNIATA VALLEY FINANCIAL CORP (JUVF) Form 8-K — Oct 22, 2026

$JUVFForm 8-KItems 2.02, 9.01Filed Oct 22, 2026, 10:16 AM ET0001104659-26-118018Original filing

Juniata Valley Financial Corp. (OTCQX: JUVF) reported record quarterly net income of $2.9 million for Q3 2026, up 40.5% from $2.1 million a year earlier, with EPS rising 39% to $0.57. Net interest income jumped 20.9% to $7.9 million as the net interest margin expanded 49 bps to 3.53%, driven by 12.1% average loan growth and repositioning of underpriced legacy securities. Credit quality remains strong with nonperforming plus delinquent loans at just 0.1% of total loans.

Key figures

Eps: 0.57
Revenue: Net interest income $7.9M for Q3 2026; $22.6M for nine months 2026
Net Income: 2889000
Total Assets: 913127000
Cash Position: 11887000
Total loans: 637342000
Total deposits: 813505000
Dividend increase: Yes
Dividend per share: 0.2225
Q3 2025 net income: 2056000
Nine month eps 2025: 1.19
Nine month eps 2026: 1.63
Stockholders equity: 64526000
Dividend record date: November 17, 2026
Dividend payable date: December 1, 2026
Annualized roaa q3 2026: 1.26%
Annualized roae q3 2026: 18.13%
Fhlb borrowing capacity: $254.8 million
Nine month net income 2025: 5975000
Nine month net income 2026: 8208000
Net interest margin q3 2025: 3.04%
Net interest margin q3 2026: 3.53%
Nonperforming plus delinquent loans: 0.1% of total loans

AI analysis

Red flags2 · Pro

The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.

Upgrade to Pro · $49/mo billed annually

AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.