secwatch.observer — SEC 8-K summary
======================================

Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2023-10-20T23:59:59+00:00
Accession:  0001558370-23-016561
Event type: earnings
Sentiment:  negative
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/0001558370-23-016561-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837023016561/juvf-20231020x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-23-016561

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer