---
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"
generated_at: "2026-05-17T02:52:54.596014+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q3 net income $2.1M, EPS $0.41; NIM expands to 3.04%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101498
- JSON: https://secwatch.observer/filing/0001104659-25-101498.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101498.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.