{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-016561","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2023-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.795407+00:00","generated_at":"2026-06-09T19:19:49.133842+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Juniata Valley Q3 net income falls 14% to $1.8M; EPS $0.36 vs $0.42","bullets":["Net income $1.8M (EPS $0.36) vs $2.1M ($0.42) in Q3 2022; nine-month net income $4.9M vs $6.2M.","Net interest margin fell to 2.71% (Q3 2023) from 2.99% (Q3 2022) due to rising funding costs.","Total loans grew $29.6M YTD; deposits increased $45.9M including $18.7M from Path Valley branch acquisition.","Board declared $0.22 cash dividend, payable Dec 1, 2023 to holders of record Nov 16, 2023.","Credit loss expense $121K; asset quality remains strong with near ten-year low delinquencies."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-016561","json":"https://secwatch.observer/filing/0001558370-23-016561.json","markdown":"https://secwatch.observer/filing/0001558370-23-016561.md","text":"https://secwatch.observer/filing/0001558370-23-016561.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/0001558370-23-016561-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/juvf-20231020x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T19:19:49.133842+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":"72cd444ff119c5025cde5ba3900c760fe6eaab83","claim":"JUNIATA VALLEY FINANCIAL CORP reported the three months ended September 30, 2023 results: net income $1.8 million, EPS $0.36.","evidence_excerpt":"announced net income for the three months ended September 30, 2023 of $1.8 million compared to net income of $2.1 million for the three months ended September 30, 2022. Earnings per share, basic and diluted, was $0.36 during the three months ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/0001558370-23-016561-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2023"},{"label":"Net income","value":"$1.8 million"},{"label":"EPS","value":"$0.36"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"9587a01594ba2d8c220a6655c3e1c4b4fa1c8760","claim":"JUNIATA VALLEY FINANCIAL CORP reported the nine months ended September 30, 2023 results: net income $4.9 million, EPS $0.98.","evidence_excerpt":"Net income for the nine months ended September 30, 2023 was $4.9 million compared to net income of $6.2 million for the nine months ended September 30, 2022. Earnings per share, basic and diluted, was $0.98 during the nine months ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/0001558370-23-016561-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$4.9 million"},{"label":"EPS","value":"$0.98"},{"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"}