---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-013523"
form_type: "8-K"
ticker: "JUVF"
cik: "0000714712"
company_name: "JUNIATA VALLEY FINANCIAL CORP"
filed_at: "2024-10-23T23:59:59+00:00"
generated_at: "2026-05-30T11:14:48.771449+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q3 net income $1.6M, EPS $0.33; declares $0.22 dividend

## Summary
- Net income Q3 2024 $1.6M ($0.33 diluted EPS) vs $1.8M ($0.36) in Q3 2023.
- Nine-month net income $4.7M ($0.95 EPS) vs $4.9M ($0.98) in prior year.
- Net interest income up 2.0% YoY to $5.8M; noninterest income up 11.1% to $1.4M.
- Asset quality: delinquent/nonperforming loans 0.2% of total loans, unchanged from prior quarter.
- Board declared $0.22/share cash dividend, payable Nov 29, record Nov 15.

## SEC filing metadata
- accession: 0001558370-24-013523
- form_type: 8-K
- ticker: JUVF
- cik: 0000714712
- company_name: JUNIATA VALLEY FINANCIAL CORP
- filed_at: 2024-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714712/000155837024013523/0001558370-24-013523-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837024013523/juvf-20241023x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-013523
- JSON: https://secwatch.observer/filing/0001558370-24-013523.json
- Plain text: https://secwatch.observer/filing/0001558370-24-013523.txt

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