---
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"
generated_at: "2026-06-13T05:14:11.765241+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q2 net income down 29.5% to $1.4M; EPS $0.28; margin shrinks

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-012053
- JSON: https://secwatch.observer/filing/0001558370-23-012053.json
- Plain text: https://secwatch.observer/filing/0001558370-23-012053.txt

## Key facts
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported the six months ended June 30, 2023 results: net income $3.1 million, EPS $0.62.
  - Period: the six months ended June 30, 2023
  - Net income: $3.1 million
  - EPS: $0.62
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837023012053/0001558370-23-012053-index.htm
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported the three months ended June 30, 2023 results: net income $1.4 million, EPS $0.28.
  - Period: the three months ended June 30, 2023
  - Net income: $1.4 million
  - EPS: $0.28
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837023012053/0001558370-23-012053-index.htm

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