---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009408"
form_type: "8-K"
ticker: "JUVF"
cik: "0000714712"
company_name: "JUNIATA VALLEY FINANCIAL CORP"
filed_at: "2025-07-23T23:59:59+00:00"
generated_at: "2026-05-18T03:50:18.315458+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley Q2 net income $1.9M (+9.5% YoY); EPS $0.38 (+8.6%)

## Summary
- Earnings of $0.38 per share vs $0.35 in Q2 2024; six-month EPS $0.78 (+25.8% vs $0.62).
- Net interest margin (FTE) expanded 22bps to 2.95% in Q2; loan growth of 4.2% YTD.
- Credit quality strong: nonperforming loans 0.1% of total loans; delinquent+NPL 0.3%.
- Board declared $0.22 cash dividend paid Sept 1, 2025 to holders of record Aug 18.
- Management cites disciplined loan/deposit pricing and healthy loan growth as drivers.

## SEC filing metadata
- accession: 0001558370-25-009408
- form_type: 8-K
- ticker: JUVF
- cik: 0000714712
- company_name: JUNIATA VALLEY FINANCIAL CORP
- filed_at: 2025-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714712/000155837025009408/0001558370-25-009408-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837025009408/juvf-20250723x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009408
- JSON: https://secwatch.observer/filing/0001558370-25-009408.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009408.txt

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