---
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"
generated_at: "2026-05-16T06:43:07.373537+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q4 net income up 34.7% to $2.0M, EPS $0.40; FY net income $8.0M, +28.2%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-007832
- JSON: https://secwatch.observer/filing/0001104659-26-007832.json
- Plain text: https://secwatch.observer/filing/0001104659-26-007832.txt

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