JUNIATA VALLEY FINANCIAL CORP

JUNIATA VALLEY FINANCIAL CORP

Juniata Valley Financial Corp (CIK 714712), trading under ticker JUVF, operates as a State Commercial Bank within the SIC 6021 grouping, offering deposit-taking, lending, and cash management services finely tuned to small businesses, municipalities, and agri-based clients across its regional footprint; its core products—commercial loans, residential mortgages, and treasury solutions—are complemented by digital banking tools intended to keep pace with mid-market expectations while preserving the personal touch of a community bank. The firm’s state charter emphasizes prudent lending standards, yet material risks include interest-rate sensitivity in its loan and investment portfolios, regulatory scrutiny from the FDIC and state banking authorities, and the competitive pressure of larger national banks and fintech disruptors; the Nov 2025 Form 10-Q highlights both a solid credit-quality trend and ongoing compliance investments. Consider viewing live SEC filings on Earnings Feed.