---
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"
generated_at: "2026-06-06T16:54:49.778829+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley reports Q4 net income $1.7M ($0.33 EPS), down 19% YoY; full-year EPS $1.32 vs $1.66

## Summary
- 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.

## SEC filing metadata
- 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
- 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/714712/000155837024000565/0001558370-24-000565-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/juvf-20240126x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-000565
- JSON: https://secwatch.observer/filing/0001558370-24-000565.json
- Plain text: https://secwatch.observer/filing/0001558370-24-000565.txt

## Key facts
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported three months ended December 31, 2023 results: net income $1.7 million, EPS $0.33.
  - Period: three months ended December 31, 2023
  - Net income: $1.7 million
  - EPS: $0.33
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/0001558370-24-000565-index.htm
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported year ended December 31, 2023 results: net income $6.6 million, EPS $1.32.
  - Period: year ended December 31, 2023
  - Net income: $6.6 million
  - EPS: $1.32
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/0001558370-24-000565-index.htm

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