{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-010876","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2022-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.978212+00:00","generated_at":"2026-06-24T10:29:19.599923+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Q2 net income $2.0M (+14% YoY); EPS $0.40 vs $0.35","bullets":["Net income $2.0M, EPS $0.40; six-month net income $4.1M, EPS $0.82 (+22% YoY).","Net interest margin expanded to 3.08% from 2.76% on higher rates and loan yield.","Recorded $222k loan loss provision vs $200k credit year-ago due to loan growth and economic uncertainty.","Board declared $0.22/share dividend payable Sep 1 to holders of record Aug 16.","CEO Marcie Barber cited robust loan growth of ~$30M in Q2 and strong asset quality."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-010876","json":"https://secwatch.observer/filing/0001558370-22-010876.json","markdown":"https://secwatch.observer/filing/0001558370-22-010876.md","text":"https://secwatch.observer/filing/0001558370-22-010876.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837022010876/0001558370-22-010876-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837022010876/tmb-20220721x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T10:29:19.599923+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"}