---
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"
generated_at: "2026-06-09T19:19:49.133842+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q3 net income falls 14% to $1.8M; EPS $0.36 vs $0.42

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-016561
- JSON: https://secwatch.observer/filing/0001558370-23-016561.json
- Plain text: https://secwatch.observer/filing/0001558370-23-016561.txt

## Key facts
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported the three months ended September 30, 2023 results: net income $1.8 million, EPS $0.36.
  - Period: the three months ended September 30, 2023
  - Net income: $1.8 million
  - EPS: $0.36
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/0001558370-23-016561-index.htm
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported the nine months ended September 30, 2023 results: net income $4.9 million, EPS $0.98.
  - Period: the nine months ended September 30, 2023
  - Net income: $4.9 million
  - EPS: $0.98
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/0001558370-23-016561-index.htm

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