{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-015105","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2022-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.326889+00:00","generated_at":"2026-06-23T02:27:21.020768+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Juniata Valley Q3 net income $2.1M (+11.8% YoY); EPS $0.42; loan growth $21M","bullets":["Net income for Q3 2022 was $2.1M, up 11.8% from $1.9M a year ago; diluted EPS $0.42 vs $0.38.","Annualized ROAA 1.03% (+13.2% YoY); NIM on FTEB rose to 2.99% from 2.79%.","Loan loss provision expense of $100K in Q3 vs a $257K credit in Q3 2021 on loan growth and economic uncertainty.","Total loans grew $44.1M (10.5%) since Dec 2021; total assets $815.2M, up 0.6%.","Board declared $0.22 per share dividend, payable Dec 1, 2022 to holders of record Nov 15, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-015105","json":"https://secwatch.observer/filing/0001558370-22-015105.json","markdown":"https://secwatch.observer/filing/0001558370-22-015105.md","text":"https://secwatch.observer/filing/0001558370-22-015105.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837022015105/0001558370-22-015105-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837022015105/tmb-20221020x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:27:21.020768+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"}