secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2022-04-22T23:59:59+00:00
Accession:  0001558370-22-005780
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837022005780/0001558370-22-005780-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837022005780/tmb-20220422x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-22-005780

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