---
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"
generated_at: "2026-05-27T07:37:46.316053+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial Q4 net income $1.5M, down from $1.7M YoY; FY EPS $1.25 vs $1.32

## Summary
- 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.

## SEC filing metadata
- 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
- 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/714712/000155837025000478/0001558370-25-000478-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837025000478/juvf-20250129x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000478
- JSON: https://secwatch.observer/filing/0001558370-25-000478.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000478.txt

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