secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2024-01-26T23:59:59+00:00
Accession:  0001558370-24-000565
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/0001558370-24-000565-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837024000565/juvf-20240126x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-24-000565

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