[Form 4] JUNIATA VALLEY FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Juniata Valley Financial Corp director Joseph B. Scarnati III bought additional shares of the company. On February 17, 2026, he made an open-market purchase of 138 shares of common stock. After this transaction, he directly owned 6,386 common shares of Juniata Valley Financial Corp.

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^*

Scarnati Joseph B. III

(Last) (First) (Middle)

978 EVERGREEN ST.

(Street)

BROCKWAY PA 15824

(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)

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

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		138	A	$0	6,386	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 JUVF director Joseph B. Scarnati III report?

Director Joseph B. Scarnati III reported buying 138 shares of Juniata Valley Financial Corp common stock. The transaction was coded as an open-market or private purchase and increased his directly held share balance reported in the filing.

When did the JUVF insider purchase by Joseph B. Scarnati III occur?

The insider purchase occurred on February 17, 2026. On that date, Joseph B. Scarnati III completed an open-market or private transaction in Juniata Valley Financial Corp common stock, as reflected in the Form 4 insider trading report.

How many JUVF shares does Joseph B. Scarnati III own after this Form 4 transaction?

After the reported transaction, Joseph B. Scarnati III directly owns 6,386 shares of Juniata Valley Financial Corp common stock. This total reflects the addition of 138 shares purchased in the disclosed open-market or private transaction.

What is the transaction code used in this JUVF Form 4 filing?

The transaction is reported with code “P,” indicating a purchase in an open-market or private transaction. This code confirms the filing reflects a buy-side insider trade in Juniata Valley Financial Corp common stock by the reporting director.

Is the JUVF insider transaction by Joseph B. Scarnati III direct or indirect ownership?

The Form 4 lists the ownership as direct, using the code “D.” This means the 6,386 Juniata Valley Financial Corp shares reported after the transaction are directly held by Joseph B. Scarnati III, not through an intermediate entity.