{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-000564","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2022-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.518431+00:00","generated_at":"2026-06-27T14:27:00.829632+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Juniata Valley Financial reports record 2021 net income of $6.6M, up 17.9%; Q4 EPS $0.27 flat","bullets":["Full year net income $6.6M ($1.32 EPS), up 17.9% from $5.6M ($1.10 EPS) in 2020.","Q4 net income $1.3M ($0.27 EPS) vs $1.4M ($0.27 EPS) in Q4 2020; net interest margin rose to 3.02%.","Loan loss provision credit of $769k for FY and $233k in Q4 due to improved asset quality and PPP loan forgiveness.","Q4 non-interest expense increased 25% to $6.0M, including $691k prepayment penalty on $15M long-term debt repayment.","Board declared $0.22 per share cash dividend, payable March 1, 2022 to holders of record Feb 15, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-000564","json":"https://secwatch.observer/filing/0001558370-22-000564.json","markdown":"https://secwatch.observer/filing/0001558370-22-000564.md","text":"https://secwatch.observer/filing/0001558370-22-000564.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837022000564/0001558370-22-000564-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837022000564/tmb-20220128x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T14:27:00.829632+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"}