secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2026-10-22T14:16:17+00:00
Accession:  0001104659-26-118018
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

Juniata Valley Q3 net income up 40.5% to $2.9M, EPS $0.57; dividend raised to $0.2225
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000110465926118018/0001104659-26-118018-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000110465926118018/juvf-20261022x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-118018

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