{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-046483","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.669370+00:00","generated_at":"2026-05-15T04:58:13.498922+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Juniata Valley Q1 net income $2.8M (+39% YoY); NIM expands to 3.39%","bullets":["Net income $2.8M (+39.3% YoY); EPS $0.55-0.56 vs $0.40 YoY.","Net interest income rose 25.5% to $7.3M; NIM expanded 56bps to 3.39%.","Noninterest income +7.1% to $1.4M; noninterest expense +11.2% to $5.2M.","Credit quality strong: nonperforming/delinquent loans only 0.1% of total loans.","Board declared $0.22/share dividend payable June 1 to record May 18."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-046483","json":"https://secwatch.observer/filing/0001104659-26-046483.json","markdown":"https://secwatch.observer/filing/0001104659-26-046483.md","text":"https://secwatch.observer/filing/0001104659-26-046483.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000110465926046483/0001104659-26-046483-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000110465926046483/juvf-20260422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:58:13.498922+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":[{"claim_id":"0de103a6ef18f5fc6485cc917a844926bd3792db","claim":"JUNIATA VALLEY FINANCIAL CORP reported the three months ended March 31, 2026 results: revenue $7.3 million, net income $2.8 million, EPS $0.56 and $0.55.","evidence_excerpt":"average equity for the three months ended March 31, 2026 was 19.04%, compared to 16.55% for the three months ended March 31, 2025. ​ Net interest income increased by 25.5%, to $7.3 million for the three months ended March 31, 2026, compared to $5.8 million for the three months ended March 31, 2025. Average interest earning assets increased 4.7%, to $882.6 million,","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000110465926046483/0001104659-26-046483-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Revenue","value":"$7.3 million"},{"label":"Net income","value":"$2.8 million"},{"label":"EPS","value":"$0.56 and $0.55"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}