{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005117","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.080201+00:00","generated_at":"2026-05-23T09:45:34.229448+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Juniata Valley Financial Q1 net income rises 48% to $2.0M; EPS $0.40 vs $0.27","bullets":["Net income $2.0M, +48.2% YoY; diluted EPS $0.40 (vs $0.27).","Net interest margin (tax-equivalent) expanded 20 bp to 2.83% from 2.63%.","Noninterest expense down 9.2% to $4.7M on lower compensation and benefits.","Credit quality strong: nonperforming loans 0.1% of total loans; delinquent/NPLs 0.4%.","Board declared $0.22 per share cash dividend, payable May 30, 2025, record May 16."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005117","json":"https://secwatch.observer/filing/0001558370-25-005117.json","markdown":"https://secwatch.observer/filing/0001558370-25-005117.md","text":"https://secwatch.observer/filing/0001558370-25-005117.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837025005117/0001558370-25-005117-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837025005117/juvf-20250422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:45:34.229448+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"}