secwatch.observer — SEC 8-K summary
======================================

Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2022-07-21T23:59:59+00:00
Accession:  0001558370-22-010876
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837022010876/0001558370-22-010876-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837022010876/tmb-20220721x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-22-010876

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer