0001558370-25-005117.txt : 20250422 0001558370-25-005117.hdr.sgml : 20250422 20250422090957 ACCESSION NUMBER: 0001558370-25-005117 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20250422 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20250422 DATE AS OF CHANGE: 20250422 FILER: COMPANY DATA: COMPANY CONFORMED NAME: JUNIATA VALLEY FINANCIAL CORP CENTRAL INDEX KEY: 0000714712 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance EIN: 232235254 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-13232 FILM NUMBER: 25855695 BUSINESS ADDRESS: STREET 1: 2 SOUTH MAIN ST STREET 2: P O BOX 66 CITY: MIFFLINTOWN STATE: PA ZIP: 17059-0066 BUSINESS PHONE: 7174368211 MAIL ADDRESS: STREET 1: BRIDGE AND MAIN STREETS STREET 2: P O BOX 66 CITY: MIFFLINTOWN STATE: PA ZIP: 17059-0066 8-K 1 juvf-20250422x8k.htm 8-K UNITED STATES
0000714712falseNoneNONE00007147122025-04-222025-04-22

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

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CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

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Date of Report (Date of earliest event reported): April 22, 2025

​

JUNIATA VALLEY FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

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-

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Pennsylvania

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0-13232

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23-2235254

(State or other Jurisdiction of Incorporation)

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(Commission File Number)

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(IRS Employer Identification No.)

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​

Bridge and Main Streets, Mifflintown, Pennsylvania

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17059

(Address of principal executive offices)

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(Zip Code)

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Registrant’s telephone number, including area code: (855) 582-5101

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​

​

Not Applicable

(Former name or former address if changed since last report.)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Securities registered pursuant to Section 12(b) of the Act:

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Title of each class

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Trading Symbol(s)

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Name of each exchange on which registered

None

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N/A

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N/A

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Juniata Valley Financial Corp.

Current Report on Form 8-K

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Item 2.02Results of Operations and Financial Condition

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On April 22, 2025, Juniata Valley Financial Corp. issued a press release reporting financial results for the quarter ended March 31, 2025. The aforementioned press release is attached as Exhibit 99.1 to this current report on Form 8-K.

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Item 9.01 Financial Statements and Exhibits.

 

Exhibits. The exhibits listed in the Exhibit Index accompanying this Form 8-K are furnished herewith.

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Exhibit Index

 

Exhibit No.

 

Description

99.1

 

Press Release reporting financial results for the quarter ended March 31, 2025.

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​

104

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Cover Page Interactive Data File (embedded within the Inline XBRL document).

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SIGNATURES

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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Juniata Valley Financial Corp.

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Date: April 22, 2025

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By:

/s/ Michael W. Wolf

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​

​

Name:

Michael W. Wolf

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​

Title:

EVP, Chief Financial Officer

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 EX-99.1 2 juvf-20250422xex99d1.htm EX-99.1

Exhibit 99.1

Graphic

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Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2025

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​

Mifflintown, PA, April 22, 2025 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended March 31, 2025 of $2.0 million, an increase of 48.2%, compared to net income of $1.4 million for the three months ended March 31, 2024. Earnings per share, basic and diluted, for the three months ended March 31, 2025 was $0.40 compared to $0.27 reported for the three months ended March 31, 2024.

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President’s Message

​

President and Chief Executive Officer, Marcie A. Barber stated, “We are pleased to announce first quarter net income of $2.0 million which represents a nearly 50% increase over the same quarter last year. This improvement is due in part to disciplined loan and deposit pricing which resulted in the reversal of a two-year trend of net interest margin compression. Additionally, our continued efforts to increase fee income and improve efficiency resulted in a 3.9% increase in noninterest income and a 9.2% decrease in noninterest expense. Our credit quality remains strong with nonperforming loans totaling 0.1% of the total loan portfolio and delinquent and nonperforming loans comprising 0.4%. Our focus for the remainder of 2025 is to accelerate loan growth, especially in the State College and Harrisburg regions, while maintaining our excellent credit quality. We also intended to actively communicate with and provide customized service to our customers due to the current economic uncertainty, continue the improvements in fee generation and the containment of operating expenses, while exploring opportunities for expansion.”  

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Financial Results for the Quarter

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Annualized return on average assets for the three months ended March 31, 2025 was 0.94%, compared to 0.63% for the three months ended March 31, 2024. Annualized return on average equity for the three months ended March 31, 2025 was 16.55%, compared to 13.38% for the three months ended March 31, 2024.

​

Net interest income increased by 5.1%, to $5.8 million for the three months ended March 31, 2025 compared to $5.5 million for the three months ended March 31, 2024. Average interest earning assets decreased 1.7%, to $842.6 million, for the three months ended March 31, 2025 compared to the same period in 2024, due to a decrease of $18.2 million, or 5.7%, in average investment securities as principal paydowns on the mortgage-backed securities portfolio were used for funding needs rather than being reinvested into the securities portfolio. Average interest bearing liabilities decreased by $16.1 million, or 2.6%, for the three months ended March 31, 2025 compared to the three months ended March 31, 2024. This decrease was primarily due to a decline of $23.9 million, or 29.9%, in average borrowings and other interest bearing liabilities, which was partially offset by an increase in average time deposits of $17.3 million, or 8.7%, for the three months end March 31, 2025 compared to the three months ended March 31, 2024.

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The yield on earning assets increased 19 basis points, to 4.42%, for the three months ended March 31, 2025 compared to same period last year driven by an increase in loan yields of 24 basis points, while the cost to fund interest earning assets with interest bearing liabilities increased two basis points, to 2.26%, aided by the 100 basis point decline in the federal funds rate between the three months ended March 31, 2025 and 2024. The net interest margin, on a fully tax equivalent basis, increased from 2.63% for the three months ended March 31, 2024 to 2.83% for the three months ended March 31, 2025.

​

Juniata recorded a credit loss expense of $104,000 for the three months ended March 31, 2025 compared to a credit loss expense of $120,000 for the three months ended March 31, 2024.

​

Non-interest income was $1.3 million for both the three months ended March 31, 2025 and March 31, 2024. Most significantly impacting non-interest income in the comparative three month periods were increases of $89,000 in customer service fees due to an increase in the collection of overdraft and checking account fees, as well as $24,000 in trust fees. Partially offsetting these increases between the comparative three month periods was a decline of $56,000 in fees derived from loan activity due to decreases in title insurance commissions, a derivative credit adjustment and loan referral fees in the 2025 period.

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Non-interest expense was $4.7 million for the three months ended March 31, 2025 compared to $5.2 million for the three months ended March 31, 2024, a decrease of 9.2%. Most significantly impacting non-interest expense in the comparative three month periods were decreases in employee compensation and benefits expenses of $233,000 and $99,000, respectively. The primary drivers for these

declines were decreases in employee compensation expenses compared to the 2024 period, with the 2024 expenses being elevated due to overtime pay from the core conversion and optimizing staffing levels, and employee benefits expense due to a decrease in medical claims expenses for the three months ended March 31, 2025 compared to the three months ended March 31, 2024. Also contributing to the decrease in non-interest expense between the comparative three month periods were decreases of $48,000 in professional fees and $34,000 in the provision for unfunded commitments recorded in other non-interest expense. Partially offsetting these decreases for the three months ended March 31, 2025 compared to the three months ended March 31, 2024 was an increase of $74,000 in equipment expense primarily due to an increase in depreciation and ATM expenses attributable to the core conversion in March 2024.

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An income tax provision of $371,000 was recorded for the three months ended March 31, 2025 compared to $201,000 recorded for the three months ended March 31, 2024. The increase between the comparative three month periods was primarily due to more taxable income recorded in the 2025 period. Juniata qualifies for a federal tax credit for investments in low-income housing partnerships. The tax credit was $82,000 for both the three months ended March 31, 2025 and March 31, 2024.

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Financial Condition

​

Total assets as of March 31, 2025 were $854.0 million, an increase of $5.1 million compared to total assets of $848.9 million as of December 31, 2024. Cash and cash equivalents increased $2.5 million, or 22.8%, while total loans increased by $5.1 million, or 1.0%, as of March 31, 2025 compared to December 31, 2024. Total deposits increased by $728,000, or 0.1%, as of March 31, 2025 compared to December 31, 2024, while short-term borrowings and repurchase agreements increased by $1.8 million, or 4.4%, primarily due to increased balances in repurchase agreement accounts. At March 31, 2025, total capital increased $2.7 million, or 5.8%, compared to year-end 2024 due to an increase in retained earnings and a decline in other comprehensive losses.

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Juniata maintains a strong liquidity position and, as of March 31, 2025, had additional borrowing capacity with the Federal Home Loan Bank of Pittsburgh of $213.3 million and with the Federal Reserve’s Discount Window of $51.2 million. In addition, Juniata has internal authorization for brokered deposits of up to $175.0 million. Juniata had no brokered deposits outstanding as of March 31, 2025.

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Subsequent Event

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On April 15, 2025, the Board of Directors declared a cash dividend of $0.22 per share to shareholders of record on May 16, 2025, payable on May 30, 2025.

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Management considers subsequent events occurring after the statement of condition date for matters which may require adjustment to, or disclosure in, the consolidated financial statements. The review period for subsequent events extends up to and including the filing date of a public company’s consolidated financial statements with the Securities and Exchange Commission. Accordingly, the financial information in this release is subject to change.

​

The Juniata Valley Bank, the principal subsidiary of Juniata Valley Financial Corp., is headquartered in Mifflintown, Pennsylvania, with fourteen community offices located in Juniata, Mifflin, Perry, Franklin, McKean and Potter Counties. More information regarding Juniata Valley Financial Corp. and The Juniata Valley Bank can be found online at www.JVBonline.com. Juniata Valley Financial Corp. trades through the OTCQX Best Market under the symbol JUVF.

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Forward-Looking Information

*This press release may contain “forward looking” information as defined by the Private Securities Litigation Reform Act of 1995. Forward-looking statements reflect the current views of Juniata’s management with respect to, among other things, future events and Juniata’s financial performance. When words such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “project,” “forecast,” “goal,” “target,” “would” and “outlook,” or the negative variations of those words  or similar expressions are used in this release, Juniata is making forward-looking statements. Such information is based on Juniata’s current expectations, estimates and projections about future events and financial trends affecting the financial condition of its business, many of which, by their nature, are inherently uncertain and beyond the control of Juniata. These statements are not historical facts or guarantees of future performance, events or results and are subject to risks, assumptions and uncertainties that are difficult to predict. If one or more events related to these or other risks or uncertainties materializes, or if underlying assumptions prove to be incorrect, actual results may differ materially from this forward-looking information. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and many factors could affect future financial results. Juniata undertakes no obligation to publicly update or revise forward looking information, whether because of new or updated information, future events, or otherwise. For a more complete discussion of certain risks and uncertainties affecting Juniata, please see the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations – Forward-Looking Statements” set forth in the Juniata’s filings with the Securities and Exchange Commission.

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Financial Statements

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​

Juniata Valley Financial Corp. and Subsidiary

Consolidated Statements of Financial Condition

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​

​

​

​

​

​

​

(Dollars in thousands, except share data)

    

(Unaudited)

    

​

​

​

March 31, 2025

​

December 31, 2024

ASSETS

​

​

​

​

​

​

Cash and due from banks

​

$

5,145

​

$

5,064

Interest bearing deposits with banks

​

 

8,364

​

 

5,934

Cash and cash equivalents

​

 

13,509

​

 

10,998

​

​

​

​

​

​

​

Equity securities

​

 

1,114

​

 

1,189

Debt securities available for sale

​

 

64,772

​

 

64,623

Debt securities held to maturity (fair value $184,898 and $182,773, respectively)

​

 

189,634

​

 

191,627

Restricted investment in bank stock

​

 

2,674

​

 

2,530

Total loans

​

 

538,971

​

 

533,869

Less: Allowance for credit losses

​

 

(6,278)

​

 

(6,183)

Total loans, net of allowance for credit losses

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532,693

​

 

527,686

Premises and equipment, net

​

 

9,323

​

 

9,382

Bank owned life insurance and annuities

​

 

15,273

​

 

15,214

Investment in low income housing partnerships

​

 

751

​

 

832

Core deposit and other intangible assets

​

 

240

​

 

258

Goodwill

​

 

9,812

​

 

9,812

Mortgage servicing rights

​

 

68

​

 

69

Deferred tax asset, net

​

 

9,320

​

 

9,842

Accrued interest receivable and other assets

​

 

4,824

​

 

4,812

Total assets

​

$

854,007

​

$

848,874

LIABILITIES AND STOCKHOLDERS' EQUITY

​

 

  

​

 

  

Liabilities:

​

 

  

​

 

  

Deposits:

​

 

  

​

 

  

Non-interest bearing

​

$

198,753

​

$

196,801

Interest bearing

​

 

549,932

​

 

551,156

Total deposits

​

 

748,685

​

 

747,957

​

​

​

​

​

​

​

Short-term borrowings and repurchase agreements

​

 

44,082

​

 

42,242

Long-term debt

​

 

5,000

​

 

5,000

Other interest bearing liabilities

​

 

769

​

 

830

Accrued interest payable and other liabilities

​

 

5,275

​

 

5,388

Total liabilities

​

 

803,811

​

 

801,417

Commitments and contingent liabilities

​

​

​

​

​

​

Stockholders' Equity:

​

 

  

​

 

  

Preferred stock, no par value: Authorized - 500,000 shares, none issued

​

 

—

​

 

—

Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at March 31, 2025 and December 31, 2024; Outstanding - 5,016,727 shares at March 31, 2025 and 5,003,384 shares at December 31, 2024

​

 

5,151

​

 

5,151

Surplus

​

 

24,712

​

 

24,896

Retained earnings

​

 

54,034

​

 

53,126

Accumulated other comprehensive loss

​

 

(31,522)

​

 

(33,320)

Cost of common stock in Treasury: 134,552 shares at March 31, 2025; 147,895 shares at December 31, 2024

​

 

(2,179)

​

 

(2,396)

Total stockholders' equity

​

 

50,196

​

 

47,457

Total liabilities and stockholders' equity

​

$

854,007

​

$

848,874

​

Juniata Valley Financial Corp. and Subsidiary

Consolidated Statements of Income (Unaudited)

​

​

​

​

​

​

​

​

​

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Three Months Ended

(Dollars in thousands, except share and per share data)

​

March 31, 

​

    

2025

    

2024

Interest income:

 

​

 

​

Loans, including fees

​

$

7,781

​

$

7,467

Taxable securities

​

 

1,365

​

 

1,465

Tax-exempt securities

​

 

30

​

 

30

Other interest income

​

 

17

​

 

43

Total interest income

​

 

9,193

​

 

9,005

Interest expense:

​

 

  

​

 

  

Deposits

​

 

2,803

​

 

2,642

Short-term borrowings and repurchase agreements

​

 

531

​

 

698

Long-term debt

​

 

30

​

 

117

Other interest bearing liabilities

​

 

7

​

 

9

Total interest expense

​

 

3,371

​

 

3,466

Net interest income

​

 

5,822

​

 

5,539

Provision for credit losses

​

 

104

​

 

120

Net interest income after provision for credit losses

​

 

5,718

​

 

5,419

Non-interest income:

​

 

  

​

 

  

Customer service fees

​

 

460

​

 

371

Debit card fee income

​

 

422

​

 

404

Earnings on bank-owned life insurance and annuities

​

 

57

​

 

56

Trust fees

​

 

131

​

 

107

Commissions from sales of non-deposit products

​

 

101

​

 

102

Fees derived from loan activity

​

 

115

​

 

171

Change in value of equity securities

​

 

(28)

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(13)

Gain from life insurance proceeds

​

 

—

​

 

—

Other non-interest income

​

 

88

​

 

98

Total non-interest income

​

 

1,346

​

 

1,296

Non-interest expense:

​

 

  

​

 

  

Employee compensation expense

​

 

1,975

​

 

2,208

Employee benefits

​

 

546

​

 

645

Occupancy

​

 

366

​

 

332

Equipment

​

 

217

​

 

143

Data processing expense

​

 

629

​

 

663

Professional fees

​

 

206

​

 

254

Taxes, other than income

​

 

31

​

 

56

FDIC Insurance premiums

​

 

135

​

 

155

Gain on other real estate owned

​

​

—

​

​

—

Amortization of intangible assets

​

 

18

​

 

22

Amortization of investment in low-income housing partnerships

​

 

81

​

 

81

Merger and acquisition expense

​

 

—

​

 

—

Other non-interest expense

​

 

481

​

 

600

Total non-interest expense

​

 

4,685

​

 

5,159

Income before income taxes

​

 

2,379

​

 

1,556

Income tax provision

​

 

371

​

 

201

Net income

​

$

2,008

​

$

1,355

Earnings per share

​

 

  

​

 

  

Basic

​

$

0.40

​

$

0.27

Diluted

​

$

0.40

​

$

0.27

​

​

Michael Wolf

Email: michael.wolf@jvbonline.com

Phone: (717) 436-7203

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Document and Entity Information
Apr. 22, 2025
Document and Entity Information [Abstract]  
Document Type 8-K
Document Period End Date Apr. 22, 2025
Entity File Number 0-13232
Entity Registrant Name JUNIATA VALLEY FINANCIAL CORP.
Entity Incorporation, State or Country Code PA
Entity Tax Identification Number 23-2235254
Entity Address, Address Line One Bridge and Main Streets
Entity Address, City or Town Mifflintown
Entity Address, State or Province PA
Entity Address, Postal Zip Code 17059
City Area Code 855
Local Phone Number 582-5101
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security None
Trading Symbol None
Security Exchange Name NONE
Entity Emerging Growth Company false
Entity Central Index Key 0000714712
Amendment Flag false
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