---
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"
generated_at: "2026-05-23T09:45:34.229448+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Financial Q1 net income rises 48% to $2.0M; EPS $0.40 vs $0.27

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-005117
- JSON: https://secwatch.observer/filing/0001558370-25-005117.json
- Plain text: https://secwatch.observer/filing/0001558370-25-005117.txt

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