secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2026-07-22T15:57:29+00:00
Accession:  0001104659-26-085689
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000110465926085689/0001104659-26-085689-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000110465926085689/juvf-20260722x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-085689

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