secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2022-01-28T23:59:59+00:00
Accession:  0001558370-22-000564
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837022000564/0001558370-22-000564-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837022000564/tmb-20220128x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-22-000564

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