[Form 4] JUNIATA VALLEY FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

JUNIATA VALLEY FINANCIAL CORP director Michael A. Buffington reported an open-market purchase of 141 shares of common stock on February 17, 2026. Following this transaction, his directly owned stake increased to 4,359 common shares.

Insider Trade Summary

1 transaction reported

Net Buy 1 txn

Insider Buffington Michael A.

Role Director

Bought 141 shs ($0.00)

Type	Security	Shares	Price	Value
Purchase	Common Stock	141	$0.00	--

Holdings After Transaction: Common Stock — 4,359 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Buffington Michael A.

(Last) (First) (Middle)

126 ELECTRIC AVENUE

(Street)

LEWISTOWN PA 17044

(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		141	A	$0	4,359	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 Michael A. Buffington report?

Director Michael A. Buffington reported an open-market purchase of 141 shares of JUNIATA VALLEY FINANCIAL CORP common stock. After the transaction, his directly owned holdings increased to 4,359 shares, indicating a modest addition to his personal investment in the company.

When did Michael A. Buffington buy JUNIATA VALLEY FINANCIAL (JUVF) shares?

Michael A. Buffington purchased JUNIATA VALLEY FINANCIAL CORP common stock on February 17, 2026. The Form 4 filing shows this open-market transaction added 141 shares to his direct holdings, bringing his total ownership to 4,359 shares after the purchase.

How many JUNIATA VALLEY FINANCIAL JUVF shares does Michael A. Buffington now own?

Following the reported insider transaction, Michael A. Buffington directly owns 4,359 shares of JUNIATA VALLEY FINANCIAL CORP common stock. This reflects an increase of 141 shares from his open-market purchase on February 17, 2026, as disclosed in the Form 4 filing.

Was the JUVF insider trade by Michael A. Buffington a buy or a sell?

The insider trade by Michael A. Buffington was a purchase, not a sale. The Form 4 lists transaction code P, meaning an open-market or private purchase of 141 common shares, raising his directly owned position to 4,359 shares in JUNIATA VALLEY FINANCIAL CORP.

Is Michael A. Buffington’s JUVF ownership direct or indirect after this transaction?

After this transaction, Michael A. Buffington’s reported JUNIATA VALLEY FINANCIAL CORP holdings are direct. The filing classifies his ownership with code “D” for direct, showing he personally holds 4,359 common shares following the open-market purchase of 141 shares.