---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-005780"
form_type: "8-K"
ticker: "JUVF"
cik: "0000714712"
company_name: "JUNIATA VALLEY FINANCIAL CORP"
filed_at: "2022-04-22T23:59:59+00:00"
generated_at: "2026-06-26T05:29:35.794283+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial posts Q1 net income $2.1M, EPS $0.42, up 27% YoY

## Summary
- Net income $2.1M up 29.4% YoY; EPS $0.42 vs $0.33 (27.3% increase).
- Net interest margin (FTE) increased to 3.17% from 2.75% on higher earning assets yield and lower funding costs.
- Loan provision expense $28,000 (vs credit $79K) due to elevated qualitative risk factors from inflation and supply chain.
- Non-interest expense $4.9M up 6% on temporary compensation duplication and higher medical claims.
- Board declared $0.22 per share cash dividend, payable June 1, 2022 to holders of record May 16, 2022.

## SEC filing metadata
- accession: 0001558370-22-005780
- form_type: 8-K
- ticker: JUVF
- cik: 0000714712
- company_name: JUNIATA VALLEY FINANCIAL CORP
- filed_at: 2022-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714712/000155837022005780/0001558370-22-005780-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837022005780/tmb-20220422x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-005780
- JSON: https://secwatch.observer/filing/0001558370-22-005780.json
- Plain text: https://secwatch.observer/filing/0001558370-22-005780.txt

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