secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2025-01-29T23:59:59+00:00
Accession:  0001558370-25-000478
Event type: earnings
Sentiment:  neutral
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837025000478/0001558370-25-000478-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837025000478/juvf-20250129x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-000478

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