{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-012053","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2023-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.472463+00:00","generated_at":"2026-06-13T05:14:11.765241+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Juniata Valley Q2 net income down 29.5% to $1.4M; EPS $0.28; margin shrinks","bullets":["Net income Q2 2023 fell 29.5% to $1.4M; EPS $0.28, down 30.0% YoY.","Net interest margin declined to 2.76% (3.08% in Q2 2022); NIM compression from rate hikes.","Non-interest expense +8.5% to $5.5M; included $238k core provider breakage fee and $209k Path Valley M&A costs.","Six-month net income $3.1M (-23.6%), EPS $0.62 (-24.4%); ROAA 0.75% vs 1.00% prior year.","Board declared $0.22/share dividend, payable Sept 1, 2023 to holders of record Aug 17, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-012053","json":"https://secwatch.observer/filing/0001558370-23-012053.json","markdown":"https://secwatch.observer/filing/0001558370-23-012053.md","text":"https://secwatch.observer/filing/0001558370-23-012053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837023012053/0001558370-23-012053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837023012053/juvf-20230721x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:14:11.765241+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":"06c4e079c3a34ef7871a5b920d4018aaf345e658","claim":"JUNIATA VALLEY FINANCIAL CORP reported the six months ended June 30, 2023 results: net income $3.1 million, EPS $0.62.","evidence_excerpt":"Net income for the six months ended June 30, 2023 decreased 23.6%, to $3.1 million, compared to net income of $4.1 million for the six months ended June 30, 2022. Earnings per share, basic and diluted, decreased 24.4% during the six months ended June 30, 2023, to $0.62, compared to basic and diluted earnings per share of $0.82 during the corresponding 2022 period.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837023012053/0001558370-23-012053-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Net income","value":"$3.1 million"},{"label":"EPS","value":"$0.62"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"74c92ff9ba6ff24edb6321647c1c342498897fe9","claim":"JUNIATA VALLEY FINANCIAL CORP reported the three months ended June 30, 2023 results: net income $1.4 million, EPS $0.28.","evidence_excerpt":"announced net income for the three months ended June 30, 2023 of $1.4 million, a decrease of 29.5% compared to net income of $2.0 million for the three months ended June 30, 2022. Earnings per share, basic and diluted, decreased 30.0%, to $0.28, during the three months ended June 30, 2023, compared to $0.40 during the three months ended June 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837023012053/0001558370-23-012053-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended June 30, 2023"},{"label":"Net income","value":"$1.4 million"},{"label":"EPS","value":"$0.28"},{"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"}