secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2025-07-23T23:59:59+00:00
Accession:  0001558370-25-009408
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837025009408/0001558370-25-009408-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837025009408/juvf-20250723x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-009408

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