---
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"
generated_at: "2026-06-28T18:56:41.874948+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial reports Q3 net income $1.9M, EPS $0.38, up 18.8% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-21-013391
- JSON: https://secwatch.observer/filing/0001558370-21-013391.json
- Plain text: https://secwatch.observer/filing/0001558370-21-013391.txt

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