---
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"
generated_at: "2026-06-16T17:27:11.941222+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial Q1 net income down 18.1% to $1.7M; net interest margin compressed

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/714712/000155837023006582/0001558370-23-006582-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837023006582/juvf-20230425x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-006582
- JSON: https://secwatch.observer/filing/0001558370-23-006582.json
- Plain text: https://secwatch.observer/filing/0001558370-23-006582.txt

## Key facts
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported three months ended March 31, 2023 results: net income $1.7 million, EPS $0.35.
  - Period: three months ended March 31, 2023
  - Net income: $1.7 million
  - EPS: $0.35
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837023006582/0001558370-23-006582-index.htm

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