Juniata Valley Financial (JUVF) furnishes Q4 and 2025 earnings press release

Rhea-AI Filing Summary

Juniata Valley Financial Corp. filed a current report to furnish its latest earnings news. On January 29, 2026, the company issued a press release reporting its financial results for the quarter and year ended December 31, 2025, which is attached as Exhibit 99.1. The filing is primarily procedural, making the press release available to the public and regulators, and does not itself detail specific revenue, profit, or balance sheet figures.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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): January 29, 2026

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JUNIATA VALLEY FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

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Pennsylvania	​	0-13232	​	23-2235254
(State or other Jurisdiction of Incorporation)	​	(Commission File Number)	​	(IRS Employer Identification No.)

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Bridge and Main Streets, Mifflintown, Pennsylvania	​	17059
(Address of principal executive offices)	​	(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	​	Trading Symbol(s)	​	Name of each exchange on which registered
None	​	N/A	​	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 January 29, 2026, Juniata Valley Financial Corp. issued a press release reporting financial results for the quarter and year ended December 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 and year ended December 31, 2025.

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104	​	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: January 29, 2026	​	By:	/s/ Michael W. Wolf	​
​	​	Name:	Michael W. Wolf
​	​	Title:	EVP, Chief Financial Officer

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FAQ

What did Juniata Valley Financial Corp. (JUVF) disclose in this 8-K filing?

Juniata Valley Financial Corp. disclosed that it issued a press release reporting financial results for the quarter and year ended December 31, 2025. The press release is furnished as Exhibit 99.1 to provide public access to the company’s latest earnings information.

Which period’s results are covered in Juniata Valley Financial Corp. (JUVF) press release?

The press release covers the quarter and year ended December 31, 2025. Juniata Valley Financial Corp. furnished this information via Exhibit 99.1 to its Form 8-K, indicating the document contains the company’s most recent quarterly and full-year financial results.

Where can investors find the detailed financial results for Juniata Valley Financial Corp. (JUVF)?

Investors can find detailed results in Exhibit 99.1 to the Form 8-K. The company states that Exhibit 99.1 is a press release reporting financial results for the quarter and year ended December 31, 2025, providing the full earnings details.

Who signed the Juniata Valley Financial Corp. (JUVF) 8-K related to 2025 results?

The 8-K was signed on behalf of Juniata Valley Financial Corp. by Michael W. Wolf. He is identified as the company’s Executive Vice President and Chief Financial Officer, acting as the duly authorized representative for this report.

What exhibits are included with Juniata Valley Financial Corp. (JUVF) 8-K?

The filing includes two exhibits: 99.1 and 104. Exhibit 99.1 is the press release reporting financial results for the quarter and year ended December 31, 2025, and Exhibit 104 is the cover page interactive data file in Inline XBRL format.