secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2021-10-22T23:59:59+00:00
Accession:  0001558370-21-013391
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837021013391/0001558370-21-013391-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837021013391/tmb-20211022x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-21-013391

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