secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2023-01-27T23:59:59+00:00
Accession:  0001558370-23-000650
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Juniata Valley reports record FY2022 net income $8.3M, EPS $1.66 (+26% YoY); Q4 EPS $0.42 (+56%)
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/0001558370-23-000650-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/tmb-20230127x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-23-000650

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