secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2025-04-22T23:59:59+00:00
Accession:  0001558370-25-005117
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837025005117/0001558370-25-005117-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837025005117/juvf-20250422x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-005117

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