{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-000650","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2023-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.847334+00:00","generated_at":"2026-06-20T07:32:20.795393+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 reports record FY2022 net income $8.3M, EPS $1.66 (+26% YoY); Q4 EPS $0.42 (+56%)","bullets":["FY2022 net income $8.3M, up 26% from $6.6M; diluted EPS $1.66 vs $1.32.","Q4 2022 net income $2.1M, up 57.7%; EPS $0.42 vs $0.27.","Net interest margin (FTE) improved to 3.10% in FY2022 from 2.83% in FY2021; loan growth 15.8% YoY.","Transferred $212.3M AFS securities to HTM in Q4 to limit unrealized losses; equity fell $34.3M driven by $38.3M AOCI loss.","Board declared $0.22 per share cash dividend, payable March 1, 2023, record Feb 14."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-000650","json":"https://secwatch.observer/filing/0001558370-23-000650.json","markdown":"https://secwatch.observer/filing/0001558370-23-000650.md","text":"https://secwatch.observer/filing/0001558370-23-000650.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/0001558370-23-000650-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/tmb-20230127x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:32:20.795393+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":[{"claim_id":"0deac0f017d7a5e8548ba7d3ef54b2824d3f89ac","claim":"JUNIATA VALLEY FINANCIAL CORP reported the year ended December 31, 2022 results: net income $8.3 million, EPS $1.66.","evidence_excerpt":"Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the year ended December 31, 2022 of $8.3 million, an increase of 26.0%, compared to net income of $6.6 million for the year ended December 31, 2021. Earnings per share, basic and diluted, increased 25.8%, to $1.66, for the year ended December 31, 2022, compared to $1.32 for the year ended December 31, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/0001558370-23-000650-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$8.3 million"},{"label":"EPS","value":"$1.66"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"24e7f8b21d59cd17fd3824340002f794e0adc91a","claim":"JUNIATA VALLEY FINANCIAL CORP reported the three months ended December 31, 2022 results: net income $2.1 million, EPS $0.42.","evidence_excerpt":"Net income for the three months ended December 31, 2022, increased 57.7%, to $2.1 million, compared to net income of $1.3 million for the three months ended December 31, 2021. Earnings per share, basic and diluted, increased 55.6% for the three months ended December 31, 2022, to $0.42, compared to basic and diluted earnings per share of $0.27 for the corresponding 2021 period.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/0001558370-23-000650-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$2.1 million"},{"label":"EPS","value":"$0.42"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}