{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000478","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.155098+00:00","generated_at":"2026-05-27T07:37:46.316053+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Juniata Valley Financial Q4 net income $1.5M, down from $1.7M YoY; FY EPS $1.25 vs $1.32","bullets":["Q4 2024 net income $1.5M ($0.30/sh) vs $1.7M ($0.33/sh) in Q4 2023.","FY 2024 net income $6.2M ($1.25 diluted EPS) vs $6.6M ($1.31) in FY 2023.","Net interest margin improved to 2.76% in Q4 from 2.64% a year ago.","Non-interest income rose 12.4% in Q4; non-interest expense up 13.7% on higher compensation and benefits.","Nonperforming loans only 0.1% of total loans; board declared $0.22 dividend payable Feb 28."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000478","json":"https://secwatch.observer/filing/0001558370-25-000478.json","markdown":"https://secwatch.observer/filing/0001558370-25-000478.md","text":"https://secwatch.observer/filing/0001558370-25-000478.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837025000478/0001558370-25-000478-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837025000478/juvf-20250129x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:37:46.316053+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}