---
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"
generated_at: "2026-06-25T12:51:11.780773+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial reports 2021 net income $6.6M, EPS $1.32; credit trends positive

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-009072
- JSON: https://secwatch.observer/filing/0001558370-22-009072.json
- Plain text: https://secwatch.observer/filing/0001558370-22-009072.txt

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