secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001104659-26-007832
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000110465926007832/0001104659-26-007832-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000110465926007832/juvf-20260129x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-007832

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer