Juniata Valley Financial (JUVF) CFO increases direct stake with 2,585-share buy

Rhea-AI Filing Summary

Juniata Valley Financial Corp EVP/CFO Michael W. Wolf bought additional company stock. On February 17, 2026, he made an open-market purchase of 2,585 shares of common stock. Following this transaction, his directly owned holdings increased to 12,315 shares.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Wolf Michael W.

(Last) (First) (Middle)

218 BRIDGE STREET

PO BOX 66

(Street)

MIFFLINTOWN PA 17059

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
JUNIATA VALLEY FINANCIAL CORP [ JUVF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP/CFO

3. Date of Earliest Transaction (Month/Day/Year)
02/17/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/17/2026		P		2,585	A	$0	12,315	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	Danyelle Pannebaker	02/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did JUNIATA VALLEY FINANCIAL CORP (JUVF) report for Michael W. Wolf?

Juniata Valley Financial Corp reported that EVP/CFO Michael W. Wolf purchased 2,585 shares of common stock. This open-market transaction increased his directly owned stake to 12,315 shares, signaling a larger personal investment in the company’s equity.

How many JUNIATA VALLEY FINANCIAL CORP (JUVF) shares does Michael W. Wolf own after this Form 4?

After the reported transaction, Michael W. Wolf directly owns 12,315 shares of Juniata Valley Financial Corp common stock. This reflects an increase from his prior holdings following his open-market purchase of 2,585 additional shares on February 17, 2026.

Was the JUNIATA VALLEY FINANCIAL CORP (JUVF) Form 4 transaction a buy or a sell?

The Form 4 transaction was a purchase. EVP/CFO Michael W. Wolf executed an open-market buy of 2,585 shares of Juniata Valley Financial Corp common stock, increasing his directly held position rather than reducing or disposing of shares.

What type of transaction is shown in the JUNIATA VALLEY FINANCIAL CORP (JUVF) Form 4?

The Form 4 shows a non-derivative transaction in common stock classified as an open-market purchase. Michael W. Wolf acquired 2,585 additional shares directly, which raised his total directly owned common stock holdings to 12,315 shares after the transaction.

Does the JUNIATA VALLEY FINANCIAL CORP (JUVF) Form 4 indicate direct or indirect ownership?

The filing indicates direct ownership. The 2,585 purchased shares and the resulting 12,315 total shares are reported as directly owned by Michael W. Wolf, with no reference to trusts, entities, or indirect beneficial ownership structures in the disclosed data.