{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-085689","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2026-07-22T15:57:29+00:00","discovered_at":"2026-07-22T15:58:17.333269+00:00","generated_at":"2026-07-22T15:58:22.845626+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 Q2 net income up 32% to $2.5M; EPS $0.50 vs $0.38","bullets":["Net income $2.5M for Q2 2026, up 32% YoY; diluted EPS $0.50 vs $0.38.","Net interest income $7.4M, up 20% YoY; net interest margin expanded to 3.36% from 2.95%.","Nonperforming + delinquent loans only 0.2% of total loan portfolio; credit quality strong.","Board declared $0.22 per share dividend, payable Sept 1, 2026 to holders of record Aug 18.","Total loans grew 5.8% YTD to $34.9M increase; commercial real estate drove growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-085689","json":"https://secwatch.observer/filing/0001104659-26-085689.json","markdown":"https://secwatch.observer/filing/0001104659-26-085689.md","text":"https://secwatch.observer/filing/0001104659-26-085689.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000110465926085689/0001104659-26-085689-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000110465926085689/juvf-20260722x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T15:58:22.845626+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"}