{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-21-013391","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2021-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.335284+00:00","generated_at":"2026-06-28T18:56:41.874948+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 Financial reports Q3 net income $1.9M, EPS $0.38, up 18.8% YoY","bullets":["Q3 2021 net income $1.9M vs $1.6M in Q3 2020 (+18.1%); diluted EPS $0.38 vs $0.32 (+18.8%).","Nine-month net income $5.3M vs $4.2M (+24.1%); diluted EPS $1.05 vs $0.83 (+26.5%).","Record quarterly earnings driven by $257k provision credit; credit quality strength and recoveries.","Net interest margin fell to 2.79% from 2.91% in prior-year quarter due to low-rate environment.","Board declares $0.22/share dividend, payable Dec 1, 2021 to shareholders of record Nov 15, 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-21-013391","json":"https://secwatch.observer/filing/0001558370-21-013391.json","markdown":"https://secwatch.observer/filing/0001558370-21-013391.md","text":"https://secwatch.observer/filing/0001558370-21-013391.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837021013391/0001558370-21-013391-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837021013391/tmb-20211022x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T18:56:41.874948+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"}