{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-000565","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.729464+00:00","generated_at":"2026-06-06T16:54:49.778829+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 reports Q4 net income $1.7M ($0.33 EPS), down 19% YoY; full-year EPS $1.32 vs $1.66","bullets":["Q4 net income $1.7M ($0.33 diluted EPS) vs $2.1M ($0.42) in Q4 2022.","Full-year 2023 net income $6.6M ($1.32 EPS) vs $8.3M ($1.66); ROA 0.79% vs 1.02%.","Net interest margin fell to 2.64% in Q4 2023 from 3.13% in Q4 2022; cost of funds increased 120 bps.","Credit loss expense $89K in Q4 vs $105K; full-year $500K vs $455K; asset quality remained favorable.","Dividend declared $0.22/share, payable March 1, 2024 to holders of record Feb 16."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-000565","json":"https://secwatch.observer/filing/0001558370-24-000565.json","markdown":"https://secwatch.observer/filing/0001558370-24-000565.md","text":"https://secwatch.observer/filing/0001558370-24-000565.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/0001558370-24-000565-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/juvf-20240126x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T16:54:49.778829+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":"48a94b2018eebd136870dd00ab01bacff37c0853","claim":"JUNIATA VALLEY FINANCIAL CORP reported three months ended December 31, 2023 results: net income $1.7 million, EPS $0.33.","evidence_excerpt":"Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”) announced net income for the three months ended December 31, 2023 of $1.7 million compared to net income of $2.1 million for the three months ended December 31, 2022. Earnings per share, basic and diluted, was $0.33 for the three months ended December 31, 2023, compared to $0.42 for the three months ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/0001558370-24-000565-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2023"},{"label":"Net income","value":"$1.7 million"},{"label":"EPS","value":"$0.33"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f120e3e5b1dc6d30faede35d7e037c4716b93c70","claim":"JUNIATA VALLEY FINANCIAL CORP reported year ended December 31, 2023 results: net income $6.6 million, EPS $1.32.","evidence_excerpt":"Net income for the year ended December 31, 2023 was $6.6 million compared to net income of $8.3 million for the year ended December 31, 2022. Basic and diluted earnings per share were $1.32 and $1.31, respectively, for the year ended December 31, 2023 compared to basic and diluted earnings per share of $1.66 for the corresponding 2022 period.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/0001558370-24-000565-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023"},{"label":"Net income","value":"$6.6 million"},{"label":"EPS","value":"$1.32"},{"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"}