{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-007832","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.530382+00:00","generated_at":"2026-05-16T06:43:07.373537+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Juniata Valley Q4 net income up 34.7% to $2.0M, EPS $0.40; FY net income $8.0M, +28.2%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-007832","json":"https://secwatch.observer/filing/0001104659-26-007832.json","markdown":"https://secwatch.observer/filing/0001104659-26-007832.md","text":"https://secwatch.observer/filing/0001104659-26-007832.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000110465926007832/0001104659-26-007832-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000110465926007832/juvf-20260129x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:43:07.373537+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"}