---
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"
generated_at: "2026-06-23T02:27:21.020768+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q3 net income $2.1M (+11.8% YoY); EPS $0.42; loan growth $21M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-015105
- JSON: https://secwatch.observer/filing/0001558370-22-015105.json
- Plain text: https://secwatch.observer/filing/0001558370-22-015105.txt

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