---
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"
generated_at: "2026-06-03T10:20:19.197244+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial Q1 net income down 21.8% to $1.4M; EPS $0.27

## Summary
- 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.

## SEC filing metadata
- 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
- 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/714712/000155837024005535/0001558370-24-005535-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837024005535/juvf-20240424x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-005535
- JSON: https://secwatch.observer/filing/0001558370-24-005535.json
- Plain text: https://secwatch.observer/filing/0001558370-24-005535.txt

## Key facts
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported the three months ended March 31, 2024 results: net income $1.4 million, EPS $0.27.
  - Period: the three months ended March 31, 2024
  - Net income: $1.4 million
  - EPS: $0.27
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/714712/000155837024005535/0001558370-24-005535-index.htm

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