{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-009072","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2022-05-17T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.445297+00:00","generated_at":"2026-06-25T12:51:11.780773+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Juniata Valley Financial reports 2021 net income $6.6M, EPS $1.32; credit trends positive","bullets":["Net income of $6.6M for 2021, up from $5.6M in 2020; diluted EPS $1.32 vs $1.10.","Total assets grew to $810.5M at year-end 2021; deposits increased 14% to $708.4M.","Non-performing loans fell to $226K from $444K; reserves-to-loans ratio (excl PPP) was 1.02%.","Securities portfolio restructured three times in 2021; $15M debt prepaid to improve net interest margin.","Net recoveries of $183K on loans; provision for loan losses reversed to -$769K in 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-009072","json":"https://secwatch.observer/filing/0001558370-22-009072.json","markdown":"https://secwatch.observer/filing/0001558370-22-009072.md","text":"https://secwatch.observer/filing/0001558370-22-009072.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837022009072/0001558370-22-009072-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837022009072/tmb-20220517x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T12:51:11.780773+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"}