{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-006582","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2023-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:41.992635+00:00","generated_at":"2026-06-16T17:27:11.941222+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Juniata Valley Financial Q1 net income down 18.1% to $1.7M; net interest margin compressed","bullets":["EPS $0.35 vs $0.42 a year ago; net interest margin fell from 3.17% to 2.85%.","Credit loss expense surged to $243k (CECL adoption) vs $28k prior year.","Branch acquisition of Orrstown Bank's Path Valley branch expected to close May 12, 2023.","Board declared $0.22/share dividend payable June 1 to holders of record May 17.","No brokered deposits at quarter end; increased brokered deposit limit to $175M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-006582","json":"https://secwatch.observer/filing/0001558370-23-006582.json","markdown":"https://secwatch.observer/filing/0001558370-23-006582.md","text":"https://secwatch.observer/filing/0001558370-23-006582.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837023006582/0001558370-23-006582-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837023006582/juvf-20230425x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T17:27:11.941222+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":"44dabc912e834d60c407bb7310dd2d36e5b7a29d","claim":"JUNIATA VALLEY FINANCIAL CORP reported three months ended March 31, 2023 results: net income $1.7 million, EPS $0.35.","evidence_excerpt":"Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended March 31, 2023 of $1.7 million, a decrease of 18.1%, compared to net income of $2.1 million for the three months ended March 31, 2022. Earnings per share, basic and diluted, for the three months ended March 31, 2023 was $0.35 compared to $0.42 reported for the three months ended March 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837023006582/0001558370-23-006582-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2023"},{"label":"Net income","value":"$1.7 million"},{"label":"EPS","value":"$0.35"},{"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"}