---
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"
generated_at: "2026-07-22T15:58:22.845626+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q2 net income up 32% to $2.5M; EPS $0.50 vs $0.38

## Summary
- 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.

## SEC filing metadata
- 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
- 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/714712/000110465926085689/0001104659-26-085689-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000110465926085689/juvf-20260722x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-085689
- JSON: https://secwatch.observer/filing/0001104659-26-085689.json
- Plain text: https://secwatch.observer/filing/0001104659-26-085689.txt

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