secwatch.observer — SEC 8-K summary
======================================

Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2024-04-24T23:59:59+00:00
Accession:  0001558370-24-005535
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837024005535/0001558370-24-005535-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837024005535/juvf-20240424x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-24-005535

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer