{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-005535","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2024-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.747377+00:00","generated_at":"2026-06-03T10:20:19.197244+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 Financial Q1 net income down 21.8% to $1.4M; EPS $0.27","bullets":["Net income of $1.4M, down 21.8% YoY; diluted EPS $0.27 vs $0.35.","Net interest margin (FTE) fell to 2.63% from 2.85%; cost of funds increased 88 bps.","Average loans up 9.6% YoY; total deposits down 1.4% from Dec 31, 2023.","Noninterest income +6.8% to $1.3M; expenses +8.4% to $5.2M on core conversion and FDIC costs.","Board declared $0.22 per share dividend, payable May 31, 2024 to holders of record May 17."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-005535","json":"https://secwatch.observer/filing/0001558370-24-005535.json","markdown":"https://secwatch.observer/filing/0001558370-24-005535.md","text":"https://secwatch.observer/filing/0001558370-24-005535.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837024005535/0001558370-24-005535-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837024005535/juvf-20240424x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T10:20:19.197244+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":"f086400caccfdd516590000e139ebdc7ad4baa39","claim":"JUNIATA VALLEY FINANCIAL CORP reported the three months ended March 31, 2024 results: net income $1.4 million, EPS $0.27.","evidence_excerpt":"Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended March 31, 2024 of $1.4 million, a decrease of 21.8%, compared to net income of $1.7 million for the three months ended March 31, 2023. Earnings per share, basic and diluted, for the three months ended March 31, 2024 was $0.27 compared to $0.35 reported for the three months ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714712/000155837024005535/0001558370-24-005535-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"$1.4 million"},{"label":"EPS","value":"$0.27"},{"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"}