---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-21-009037"
form_type: "8-K"
ticker: "JUVF"
cik: "0000714712"
company_name: "JUNIATA VALLEY FINANCIAL CORP"
filed_at: "2021-07-21T23:59:59+00:00"
generated_at: "2026-06-30T03:53:54.294991+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial Q2 net income up 8.3% to $1.7M; EPS $0.35 vs $0.31

## Summary
- Net income $1.7M, up 8.3% YoY; basic/diluted EPS $0.35, up 12.9% from $0.31.
- Six-month net income $3.4M, up 27.7%; EPS $0.67 vs $0.52.
- Board declared cash dividend $0.22/share, payable Sep 1 to holders of record Aug 16.
- Provision credit of $200K in Q2 vs expense $196K in prior year on favorable asset quality.
- Funded 508 PPP loans ($32.1M) in 2020; 362 loans ($18.9M) in 2021 second round.

## SEC filing metadata
- accession: 0001558370-21-009037
- form_type: 8-K
- ticker: JUVF
- cik: 0000714712
- company_name: JUNIATA VALLEY FINANCIAL CORP
- filed_at: 2021-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714712/000155837021009037/0001558370-21-009037-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837021009037/tmb-20210721x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-21-009037
- JSON: https://secwatch.observer/filing/0001558370-21-009037.json
- Plain text: https://secwatch.observer/filing/0001558370-21-009037.txt

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