---
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"
generated_at: "2026-06-24T10:29:19.599923+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Q2 net income $2.0M (+14% YoY); EPS $0.40 vs $0.35

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-010876
- JSON: https://secwatch.observer/filing/0001558370-22-010876.json
- Plain text: https://secwatch.observer/filing/0001558370-22-010876.txt

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