---
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"
generated_at: "2026-05-15T04:58:13.498922+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q1 net income $2.8M (+39% YoY); NIM expands to 3.39%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-046483
- JSON: https://secwatch.observer/filing/0001104659-26-046483.json
- Plain text: https://secwatch.observer/filing/0001104659-26-046483.txt

## Key facts
- Earnings Releases
  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.
  - Period: the three months ended March 31, 2026
  - Revenue: $7.3 million
  - Net income: $2.8 million
  - EPS: $0.56 and $0.55
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000110465926046483/0001104659-26-046483-index.htm

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