{"filings":[{"id":1792596,"accession_number":"0001104659-26-085689","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2026-07-22T15:57:29+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q2 net income up 32% to $2.5M; EPS $0.50 vs $0.38","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.5M for Q2 2026, up 32% YoY; diluted EPS $0.50 vs $0.38.","Net interest income $7.4M, up 20% YoY; net interest margin expanded to 3.36% from 2.95%.","Nonperforming + delinquent loans only 0.2% of total loan portfolio; credit quality strong.","Board declared $0.22 per share dividend, payable Sept 1, 2026 to holders of record Aug 18.","Total loans grew 5.8% YTD to $34.9M increase; commercial real estate drove growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":554317,"accession_number":"0001104659-26-064501","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2026-05-20T20:05:53+00:00","items":["5.02","9.01"],"status":"ready","headline":"Shareholders approve Juniata Valley Financial's 2026 Long-Term Incentive Plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan includes incentive stock options, nonqualified options, stock appreciation rights, performance restricted shares, restricted stock, and stock awards to officers, directors, employees.","Material terms of the Plan are incorporated by reference from the March 26, 2026 proxy statement.","No changes to executive compensation or officer departures are reported in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":519356,"accession_number":"0001104659-26-063708","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2026-05-19T17:05:16+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Shareholders elect three Class C directors, approve say-on-pay and 2026 incentive plan","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["John P. Henry IV, Gary E. Kelsey, and Joseph B. Scarnati III elected as Class C directors to serve until 2029.","Say-on-pay advisory vote approved: 2,320,229 for, 180,478 against, 144,149 abstentions.","2026 Long-Term Incentive Plan approved: 2,377,918 for, 154,234 against, 112,704 abstentions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98439,"accession_number":"0001104659-26-046483","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q1 net income $2.8M (+39% YoY); NIM expands to 3.39%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.8M (+39.3% YoY); EPS $0.55-0.56 vs $0.40 YoY.","Net interest income rose 25.5% to $7.3M; NIM expanded 56bps to 3.39%.","Noninterest income +7.1% to $1.4M; noninterest expense +11.2% to $5.2M.","Credit quality strong: nonperforming/delinquent loans only 0.1% of total loans.","Board declared $0.22/share dividend payable June 1 to record May 18."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113905,"accession_number":"0001104659-26-007832","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q4 net income up 34.7% to $2.0M, EPS $0.40; FY net income $8.0M, +28.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q4 2025 $2.0M (+34.7%), diluted EPS $0.40 vs $0.30 in Q4 2024.","Full-year net income $8.0M (+28.2%), diluted EPS $1.59 vs $1.25.","Net interest margin improved 34 bps in Q4 to 3.10%; NPLs just 0.1% of loans.","Loans grew 12.6% year-over-year; total assets $895.3M (+5.5%).","Board declared $0.22/share dividend payable Feb 27, 2026 to shareholders of record Feb 13."],"consensus_eps_estimate":null,"consensus_eps_actual":1.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130311,"accession_number":"0001104659-25-101498","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q3 net income $2.1M, EPS $0.41; NIM expands to 3.04%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q3 $2.1M (+25.6% YoY); EPS $0.41 vs $0.33; 9-month net income $6.0M (+26.1%).","Net interest margin (FTE) improved to 3.04% from 2.73% YoY; loan yields up 12 bps.","Total loans grew 8.2% YTD; nonperforming loans only 0.1% of portfolio; credit quality strong.","Dividend declared $0.22/share, payable Dec 1, record Nov 17 (unchanged from prior quarter).","Annualized ROAA 0.94% (Q3) vs 0.76% YoY; ROAE 15.47% vs 14.72%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146878,"accession_number":"0001558370-25-009408","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q2 net income $1.9M (+9.5% YoY); EPS $0.38 (+8.6%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["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."],"consensus_eps_estimate":null,"consensus_eps_actual":0.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165337,"accession_number":"0001558370-25-008009","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Juniata Valley Financial elects directors, approves say-on-pay at annual meeting","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Marcie A. Barber elected Class B director with 2,530,251 votes for; Steven C. Sliver with 2,560,463.","Non-binding say-on-pay approved: 2,331,990 for, 147,560 against, 142,902 abstentions.","Exhibit 99.1 slide deck contains only agenda and board introductions; no material financial updates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165336,"accession_number":"0001558370-25-005117","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial Q1 net income rises 48% to $2.0M; EPS $0.40 vs $0.27","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.0M, +48.2% YoY; diluted EPS $0.40 (vs $0.27).","Net interest margin (tax-equivalent) expanded 20 bp to 2.83% from 2.63%.","Noninterest expense down 9.2% to $4.7M on lower compensation and benefits.","Credit quality strong: nonperforming loans 0.1% of total loans; delinquent/NPLs 0.4%.","Board declared $0.22 per share cash dividend, payable May 30, 2025, record May 16."],"consensus_eps_estimate":null,"consensus_eps_actual":0.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165335,"accession_number":"0001558370-25-004995","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2025-04-18T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Juniata Valley Financial appoints John Henry IV as director, effective June 17, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["John Henry IV appointed to Board of Directors on April 15, 2025; term starts at June 17 board meeting.","Appointed to class expiring at 2026 annual meeting; committee assignments set May 20, 2025 reorganization.","Henry founded JPH Enterprises in 2004, now a ~$16M environmental company with 50+ employees.","He graduated Magna Cum Laude from Lebanon Valley College in 2006."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183003,"accession_number":"0001558370-25-000976","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2025-02-14T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Bradley J. Wagner to leave board at May 2025 annual meeting due to expanded commitments","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Wagner served 11 years on board; leaves as Chairman of Audit and Asset Liability Management Committees.","Departure effective after Annual Meeting of Shareholders on May 20, 2025; no successor named.","Company thanked Wagner for his leadership, dedication and service."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183002,"accession_number":"0001558370-25-000478","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial Q4 net income $1.5M, down from $1.7M YoY; FY EPS $1.25 vs $1.32","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income $1.5M ($0.30/sh) vs $1.7M ($0.33/sh) in Q4 2023.","FY 2024 net income $6.2M ($1.25 diluted EPS) vs $6.6M ($1.31) in FY 2023.","Net interest margin improved to 2.76% in Q4 from 2.64% a year ago.","Non-interest income rose 12.4% in Q4; non-interest expense up 13.7% on higher compensation and benefits.","Nonperforming loans only 0.1% of total loans; board declared $0.22 dividend payable Feb 28."],"consensus_eps_estimate":null,"consensus_eps_actual":1.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199576,"accession_number":"0001558370-24-013523","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q3 net income $1.6M, EPS $0.33; declares $0.22 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q3 2024 $1.6M ($0.33 diluted EPS) vs $1.8M ($0.36) in Q3 2023.","Nine-month net income $4.7M ($0.95 EPS) vs $4.9M ($0.98) in prior year.","Net interest income up 2.0% YoY to $5.8M; noninterest income up 11.1% to $1.4M.","Asset quality: delinquent/nonperforming loans 0.2% of total loans, unchanged from prior quarter.","Board declared $0.22/share cash dividend, payable Nov 29, record Nov 15."],"consensus_eps_estimate":null,"consensus_eps_actual":0.95,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215615,"accession_number":"0001558370-24-009960","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2024-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q2 net income $1.7M (+24.9% YoY); EPS $0.35 vs $0.28","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.7M for Q2 2024, up 24.9% from $1.4M in Q2 2023; diluted EPS $0.35 vs $0.28.","Noninterest income +7.3% YoY; noninterest expense -6.6% YoY; net interest margin 2.73% vs 2.76%.","Delinquent and nonperforming loans only 0.2% of total loans; asset quality remains strong.","Board declared $0.22/share cash dividend, payable Aug 30, 2024 to holders of record Aug 16.","Net income for H1 2024 flat at $3.1M compared to H1 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234971,"accession_number":"0001558370-24-008533","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["4.02"],"status":"ready","headline":"Juniata Valley Financial restates FY2022-2023 statements after capitalizing $1.6M vendor fees","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Non-reliance on audited financials for FY2023, FY2022 and interim 2023 quarters due to error.","Error: $1.6M vendor fees capitalized in Q4 2022 should have been expensed; overstated assets and equity by $1.3M, understated professional fees.","Net income overstated by $1.3M for year-ended Dec 31, 2022.","Material weakness in internal control over financial reporting identified as of Dec 31, 2023; management report no longer reliable."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234970,"accession_number":"0001558370-24-008531","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Juniata Valley shareholders elect three Class A directors; say-on-pay passes","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Three Class A directors elected: Michael A. Buffington, Christina Calkins-Mazur, Martin L. Dreibelbis, each with over 2.46M votes for.","Non-binding say-on-pay approved with 2.31M for, 166K against, 90K abstentions.","Non-binding say-when-on-pay approved; 2.11M chose 1-year frequency, 132K 2-year, 203K 3-year.","Broker non-votes minimal; no other matters voted on at May 21, 2024 Annual Meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234969,"accession_number":"0001558370-24-008530","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Juniata Valley Financial holds annual meeting; no material new disclosures","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Presentation covers agenda, board introductions, vote on directors and say-on-pay.","No financial results, guidance, or strategic announcements in the slides.","Company reports no securities registered under Section 12(b); stock not listed on an exchange.","Filing is furnished under Regulation FD; information is not deemed filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234968,"accession_number":"0001558370-24-005535","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial Q1 net income down 21.8% to $1.4M; EPS $0.27","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.4M, down 21.8% YoY; diluted EPS $0.27 vs $0.35.","Net interest margin (FTE) fell to 2.63% from 2.85%; cost of funds increased 88 bps.","Average loans up 9.6% YoY; total deposits down 1.4% from Dec 31, 2023.","Noninterest income +6.8% to $1.3M; expenses +8.4% to $5.2M on core conversion and FDIC costs.","Board declared $0.22 per share dividend, payable May 31, 2024 to holders of record May 17."],"consensus_eps_estimate":null,"consensus_eps_actual":0.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":252806,"accession_number":"0001558370-24-000565","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2024-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley reports Q4 net income $1.7M ($0.33 EPS), down 19% YoY; full-year EPS $1.32 vs $1.66","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $1.7M ($0.33 diluted EPS) vs $2.1M ($0.42) in Q4 2022.","Full-year 2023 net income $6.6M ($1.32 EPS) vs $8.3M ($1.66); ROA 0.79% vs 1.02%.","Net interest margin fell to 2.64% in Q4 2023 from 3.13% in Q4 2022; cost of funds increased 120 bps.","Credit loss expense $89K in Q4 vs $105K; full-year $500K vs $455K; asset quality remained favorable.","Dividend declared $0.22/share, payable March 1, 2024 to holders of record Feb 16."],"consensus_eps_estimate":null,"consensus_eps_actual":1.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270282,"accession_number":"0001558370-23-019420","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-12-01T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Juniata Valley director Scanlon retires after 25 years at mandatory age 75","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Dr. Richard M. Scanlon retired as director effective November 30, 2023, due to mandatory retirement age of 75.","He served on the board for 25 years.","No replacement director has been announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270281,"accession_number":"0001558370-23-016561","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q3 net income falls 14% to $1.8M; EPS $0.36 vs $0.42","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.8M (EPS $0.36) vs $2.1M ($0.42) in Q3 2022; nine-month net income $4.9M vs $6.2M.","Net interest margin fell to 2.71% (Q3 2023) from 2.99% (Q3 2022) due to rising funding costs.","Total loans grew $29.6M YTD; deposits increased $45.9M including $18.7M from Path Valley branch acquisition.","Board declared $0.22 cash dividend, payable Dec 1, 2023 to holders of record Nov 16, 2023.","Credit loss expense $121K; asset quality remains strong with near ten-year low delinquencies."],"consensus_eps_estimate":null,"consensus_eps_actual":0.98,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287262,"accession_number":"0001558370-23-012053","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q2 net income down 29.5% to $1.4M; EPS $0.28; margin shrinks","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q2 2023 fell 29.5% to $1.4M; EPS $0.28, down 30.0% YoY.","Net interest margin declined to 2.76% (3.08% in Q2 2022); NIM compression from rate hikes.","Non-interest expense +8.5% to $5.5M; included $238k core provider breakage fee and $209k Path Valley M&A costs.","Six-month net income $3.1M (-23.6%), EPS $0.62 (-24.4%); ROAA 0.75% vs 1.00% prior year.","Board declared $0.22/share dividend, payable Sept 1, 2023 to holders of record Aug 17, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307367,"accession_number":"0001558370-23-011632","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-06-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Juniata Valley Financial announces retirement of Chairman Timothy I. Havice","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Chairman Timothy I. Havice retired due to mandatory retirement age of 75.","He served as Chairman for 10 years and as a director for the prior 18 years.","No replacement chairman has been named in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307366,"accession_number":"0001558370-23-010032","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-05-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Juniata Valley Financial shareholders elect directors and approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Gary E. Kelsey elected Class C director: 2,675,435 for, 34,975 withheld.","Joseph B. Scarnati, III elected Class C director: 2,626,728 for, 83,682 withheld.","Non-binding say-on-pay approved: 2,420,019 for, 155,649 against, 134,742 abstentions.","No other matters were considered at the May 16, 2023 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307365,"accession_number":"0001558370-23-010008","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-05-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Juniata Valley holds annual meeting; no material new disclosures in presentation","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Annual meeting held May 16, 2023; board members and agenda presented.","Presentation titled 'Staying the Course' includes only routine meeting business.","No financial results, guidance, or strategic updates disclosed in the slides.","Election of directors and advisory 'say on pay' vote were on the ballot."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307364,"accession_number":"0001558370-23-009582","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-05-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Juniata Valley Financial completes purchase of Orrstown's Path Valley branch","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired branch premises and equipment; assumed ~$18.8M in deposit liabilities, no loans.","Transaction closed May 12, 2023; previously announced on December 23, 2022.","Consolidates Blairs Mills office into Path Valley to create operating efficiencies.","Juniata Valley Bank (JUVF) expands rural market presence in Spring Run, PA."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307363,"accession_number":"0001558370-23-006582","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial Q1 net income down 18.1% to $1.7M; net interest margin compressed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS $0.35 vs $0.42 a year ago; net interest margin fell from 3.17% to 2.85%.","Credit loss expense surged to $243k (CECL adoption) vs $28k prior year.","Branch acquisition of Orrstown Bank's Path Valley branch expected to close May 12, 2023.","Board declared $0.22/share dividend payable June 1 to holders of record May 17.","No brokered deposits at quarter end; increased brokered deposit limit to $175M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326395,"accession_number":"0001558370-23-004513","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-03-24T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Appoints Christina Calkins-Mazur to board, effective March 21, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointed as director, term expires at 2024 annual meeting of shareholders.","Expected to serve on Trust and Loan Committees of the Board.","Former Dealer Principle at Calkins Buick GMC Subaru, retired 2019.","Currently Chair of Mifflin County Industrial Development Authority and active on other boards."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326394,"accession_number":"0001558370-23-002756","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-03-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Juniata Valley Financial appoints Steven C. Sliver to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Steven C. Sliver appointed as director on February 21, 2023; term expires at 2025 annual meeting.","Expected to serve on Audit and Loan Committees of the Board.","Sliver is former President and CEO of Mutual Benefit Group, a CPA, and Wharton graduate.","No departures or other officer changes announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326393,"accession_number":"0001558370-23-000650","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2023-01-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley reports record FY2022 net income $8.3M, EPS $1.66 (+26% YoY); Q4 EPS $0.42 (+56%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2022 net income $8.3M, up 26% from $6.6M; diluted EPS $1.66 vs $1.32.","Q4 2022 net income $2.1M, up 57.7%; EPS $0.42 vs $0.27.","Net interest margin (FTE) improved to 3.10% in FY2022 from 2.83% in FY2021; loan growth 15.8% YoY.","Transferred $212.3M AFS securities to HTM in Q4 to limit unrealized losses; equity fell $34.3M driven by $38.3M AOCI loss.","Board declared $0.22 per share cash dividend, payable March 1, 2023, record Feb 14."],"consensus_eps_estimate":null,"consensus_eps_actual":1.66,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344105,"accession_number":"0001558370-22-019012","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-12-28T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Juniata Valley Bank to acquire Orrstown's Path Valley branch, assume ~$31.7M deposits","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Deposit assumption of ~$31.7M; premium of 6% of final deposit balance; no loans conveyed.","Assets purchased include branch real estate, furniture, equipment, and cash at branch.","Transaction expected to close Q2 2023, subject to regulatory approvals.","Path Valley branch will remain open as Orrstown until closing, then become Juniata branch."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344104,"accession_number":"0001558370-22-015105","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Q3 net income $2.1M (+11.8% YoY); EPS $0.42; loan growth $21M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q3 2022 was $2.1M, up 11.8% from $1.9M a year ago; diluted EPS $0.42 vs $0.38.","Annualized ROAA 1.03% (+13.2% YoY); NIM on FTEB rose to 2.99% from 2.79%.","Loan loss provision expense of $100K in Q3 vs a $257K credit in Q3 2021 on loan growth and economic uncertainty.","Total loans grew $44.1M (10.5%) since Dec 2021; total assets $815.2M, up 0.6%.","Board declared $0.22 per share dividend, payable Dec 1, 2022 to holders of record Nov 15, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":1.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":360607,"accession_number":"0001558370-22-010876","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Q2 net income $2.0M (+14% YoY); EPS $0.40 vs $0.35","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.0M, EPS $0.40; six-month net income $4.1M, EPS $0.82 (+22% YoY).","Net interest margin expanded to 3.08% from 2.76% on higher rates and loan yield.","Recorded $222k loan loss provision vs $200k credit year-ago due to loan growth and economic uncertainty.","Board declared $0.22/share dividend payable Sep 1 to holders of record Aug 16.","CEO Marcie Barber cited robust loan growth of ~$30M in Q2 and strong asset quality."],"consensus_eps_estimate":null,"consensus_eps_actual":0.82,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379712,"accession_number":"0001558370-22-010173","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-06-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Juniata Valley Financial appoints former PA Lt. Gov. Joseph Scarnati as director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Joseph B. Scarnati III appointed as director effective June 21, 2022; term expires at 2023 annual meeting.","Scarnati will serve on the Trust and Loan Committees of the Board.","He served as Pennsylvania Senate President Pro-Tempore for 15 years and as Lt. Governor (2008-2011).","Currently a partner at Allegheny Strategy Partners and co-owner of The Dan Smith Candy Company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379711,"accession_number":"0001558370-22-009116","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-05-17T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Juniata Valley Financial shareholders elect three directors, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Marcie A. Barber, Timothy I. Havice, Bradley J. Wagner as Class B directors until 2025.","Each director received >2.4M votes for; withheld votes under 101K each.","Non-binding say-on-pay approved: ~2.21M for, ~178K against, ~117K abstain.","No other proposals were presented at the annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379710,"accession_number":"0001558370-22-009075","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-05-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Juniata Valley Financial upgrades shares to OTCQX Best Market","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shares began trading on OTCQX on May 17, 2022 under symbol JUVF.","Company graduated from Pink market to OTCQX Best Market.","Principal subsidiary Juniata Valley Bank has $815M in assets, chartered since 1867.","CEO cites national-stage recognition and liquidity as benefits of the upgrade."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379709,"accession_number":"0001558370-22-009072","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-05-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Juniata Valley Financial reports 2021 net income $6.6M, EPS $1.32; credit trends positive","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $6.6M for 2021, up from $5.6M in 2020; diluted EPS $1.32 vs $1.10.","Total assets grew to $810.5M at year-end 2021; deposits increased 14% to $708.4M.","Non-performing loans fell to $226K from $444K; reserves-to-loans ratio (excl PPP) was 1.02%.","Securities portfolio restructured three times in 2021; $15M debt prepaid to improve net interest margin.","Net recoveries of $183K on loans; provision for loan losses reversed to -$769K in 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":0.42,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379708,"accession_number":"0001558370-22-005957","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-04-26T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CFO JoAnn McMinn to retire June 21; Michael Wolf named successor effective June 1","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["JoAnn N. McMinn, EVP and CFO for 17 years, will retire on June 21, 2022.","Michael W. Wolf, age 58, becomes SVP and CFO of Juniata Valley Financial and The Juniata Valley Bank on June 1.","Wolf's annual base salary is $223,600; he entered a Change of Control Severance Agreement with 2x average compensation multiplier.","Wolf has nearly 25 years of financial sector experience, including roles at Middlefield Bank, Northwest Bank and Dollar Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379707,"accession_number":"0001558370-22-005780","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial posts Q1 net income $2.1M, EPS $0.42, up 27% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.1M up 29.4% YoY; EPS $0.42 vs $0.33 (27.3% increase).","Net interest margin (FTE) increased to 3.17% from 2.75% on higher earning assets yield and lower funding costs.","Loan provision expense $28,000 (vs credit $79K) due to elevated qualitative risk factors from inflation and supply chain.","Non-interest expense $4.9M up 6% on temporary compensation duplication and higher medical claims.","Board declared $0.22 per share cash dividend, payable June 1, 2022 to holders of record May 16, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":0.42,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379706,"accession_number":"0001558370-22-005076","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-04-05T23:59:59+00:00","items":["2.02"],"status":"ready","headline":"Director Philip E. Gingerich Jr. passes away; board vacancy not immediately filled","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Philip E. Gingerich Jr., Vice Chairman of the Board, died on April 1, 2022.","He served as director since 1998, previously Chairman (2010-2013).","He chaired Asset/Liability Management and Personnel & Compensation Committees.","Company has no immediate plans to fill the board vacancy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":397883,"accession_number":"0001558370-22-001366","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-02-17T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Juniata Valley Financial amends bylaw to allow directors aged 75 to serve up to one extra year","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board amended Section 8.2 of By-Laws on February 15, 2022.","Amendment permits directors turning 75 to continue service for up to one additional year for succession planning.","Amended By-Laws filed as Exhibit 3(ii) to this Form 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":397882,"accession_number":"0001558370-22-000564","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2022-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial reports record 2021 net income of $6.6M, up 17.9%; Q4 EPS $0.27 flat","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full year net income $6.6M ($1.32 EPS), up 17.9% from $5.6M ($1.10 EPS) in 2020.","Q4 net income $1.3M ($0.27 EPS) vs $1.4M ($0.27 EPS) in Q4 2020; net interest margin rose to 3.02%.","Loan loss provision credit of $769k for FY and $233k in Q4 due to improved asset quality and PPP loan forgiveness.","Q4 non-interest expense increased 25% to $6.0M, including $691k prepayment penalty on $15M long-term debt repayment.","Board declared $0.22 per share cash dividend, payable March 1, 2022 to holders of record Feb 15, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":1.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":416870,"accession_number":"0001558370-21-016100","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2021-11-16T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Juniata Valley Financial authorizes repurchase of additional 200,000 shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to 200,000 additional shares under Share Repurchase Program.","Previously 9,307 shares remained under the existing Program.","Repurchases funded from working capital or dividends upstreamed from subsidiary Juniata Valley Bank.","Program remains authorized until all approved shares repurchased or terminated by Board."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":416869,"accession_number":"0001558370-21-013391","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2021-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial reports Q3 net income $1.9M, EPS $0.38, up 18.8% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2021 net income $1.9M vs $1.6M in Q3 2020 (+18.1%); diluted EPS $0.38 vs $0.32 (+18.8%).","Nine-month net income $5.3M vs $4.2M (+24.1%); diluted EPS $1.05 vs $0.83 (+26.5%).","Record quarterly earnings driven by $257k provision credit; credit quality strength and recoveries.","Net interest margin fell to 2.79% from 2.91% in prior-year quarter due to low-rate environment.","Board declares $0.22/share dividend, payable Dec 1, 2021 to shareholders of record Nov 15, 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":1.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":72818832.0334495,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":434446,"accession_number":"0001558370-21-009037","cik":714712,"company_name":"JUNIATA VALLEY FINANCIAL CORP","ticker":"JUVF","form_type":"8-K","filed_at":"2021-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Juniata Valley Financial Q2 net income up 8.3% to $1.7M; 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