---
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"
generated_at: "2026-06-27T14:27:00.829632+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial reports record 2021 net income of $6.6M, up 17.9%; Q4 EPS $0.27 flat

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-000564
- JSON: https://secwatch.observer/filing/0001558370-22-000564.json
- Plain text: https://secwatch.observer/filing/0001558370-22-000564.txt

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