{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-118018","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2026-10-22T14:16:17+00:00","discovered_at":"2026-10-22T14:17:00.249579+00:00","generated_at":"2026-10-22T14:17:05.119211+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Juniata Valley Q3 net income up 40.5% to $2.9M, EPS $0.57; dividend raised to $0.2225","bullets":["Q3 net income $2.9M vs $2.1M a year ago; EPS basic and diluted $0.57 vs $0.41, up 39.0%.","Q3 net interest income $7.9M, up 20.9%; net interest margin (FTE) 3.53% vs 3.04%, a 49bp improvement cited by CEO Marcie A. Barber.","Nine-month net income $8.2M (+37.4%), EPS $1.63; ROAA 1.21% and ROAE 17.88% vs 0.92% and 15.65%.","Board declared increased dividend of $0.2225 per share, record Nov 17, 2026, payable Dec 1, 2026.","Total loans up $36.0M (6.0%) YTD on commercial real estate; nonperforming plus delinquent loans 0.1% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-118018","json":"https://secwatch.observer/filing/0001104659-26-118018.json","markdown":"https://secwatch.observer/filing/0001104659-26-118018.md","text":"https://secwatch.observer/filing/0001104659-26-118018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000110465926118018/0001104659-26-118018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000110465926118018/juvf-20261022x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T14:17:05.119211+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"}