---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-009960"
form_type: "8-K"
ticker: "JUVF"
cik: "0000714712"
company_name: "JUNIATA VALLEY FINANCIAL CORP"
filed_at: "2024-07-23T23:59:59+00:00"
generated_at: "2026-05-31T18:17:53.077908+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q2 net income $1.7M (+24.9% YoY); EPS $0.35 vs $0.28

## Summary
- Net income $1.7M for Q2 2024, up 24.9% from $1.4M in Q2 2023; diluted EPS $0.35 vs $0.28.
- Noninterest income +7.3% YoY; noninterest expense -6.6% YoY; net interest margin 2.73% vs 2.76%.
- Delinquent and nonperforming loans only 0.2% of total loans; asset quality remains strong.
- Board declared $0.22/share cash dividend, payable Aug 30, 2024 to holders of record Aug 16.
- Net income for H1 2024 flat at $3.1M compared to H1 2023.

## SEC filing metadata
- accession: 0001558370-24-009960
- form_type: 8-K
- ticker: JUVF
- cik: 0000714712
- company_name: JUNIATA VALLEY FINANCIAL CORP
- filed_at: 2024-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714712/000155837024009960/0001558370-24-009960-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837024009960/juvf-20240723x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-009960
- JSON: https://secwatch.observer/filing/0001558370-24-009960.json
- Plain text: https://secwatch.observer/filing/0001558370-24-009960.txt

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