{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101498","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.972448+00:00","generated_at":"2026-05-17T02:52:54.596014+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Juniata Valley Q3 net income $2.1M, EPS $0.41; NIM expands to 3.04%","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101498","json":"https://secwatch.observer/filing/0001104659-25-101498.json","markdown":"https://secwatch.observer/filing/0001104659-25-101498.md","text":"https://secwatch.observer/filing/0001104659-25-101498.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000110465925101498/0001104659-25-101498-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000110465925101498/juvf-20251022x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:52:54.596014+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}