Juniata Valley director buys 144 JUVF shares

JUNIATA VALLEY FINANCIAL CORP director buys additional shares Director Gary E. Kelsey reported an open-market purchase of 144 shares of Juniata Valley Financial Corp common stock on February 17, 2026.

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Rhea-AI Filing Summary

JUNIATA VALLEY FINANCIAL CORP director buys additional shares

Director Gary E. Kelsey reported an open-market purchase of 144 shares of Juniata Valley Financial Corp common stock on February 17, 2026. After this transaction, he directly owns 15,740 common shares, increasing his personal stake in the company.

Insider Trade Summary

Net Buyer: 144 shares

Net Buy 1 txn

Insider Kelsey Gary E

Role Director

Bought 144 shs ($0.00)

Type	Security	Shares	Price	Value
Purchase	Common Stock	144	$0.00	$0.00

Holdings After Transaction: Common Stock — 15,740 shares (Direct)

FAQ

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What insider transaction did JUNIATA VALLEY FINANCIAL CORP (JUVF) report?

Juniata Valley Financial Corp reported that director Gary E. Kelsey purchased 144 shares of common stock. The transaction was an open-market purchase dated February 17, 2026, increasing his directly held position in the company’s shares.

How many JUNIATA VALLEY FINANCIAL CORP (JUVF) shares does Gary E. Kelsey now hold?

After the reported transaction, director Gary E. Kelsey directly holds 15,740 shares of Juniata Valley Financial Corp common stock. This reflects the addition of 144 shares through an open-market purchase on February 17, 2026, as disclosed in the Form 4.

Was the JUVF insider transaction by Gary E. Kelsey a purchase or a sale?

The transaction was a purchase. Director Gary E. Kelsey acquired 144 shares of Juniata Valley Financial Corp common stock in an open-market transaction, categorized under code “P” for purchase, which increased his direct ownership to 15,740 shares.

What does transaction code P mean in the JUVF Form 4 filing?

Transaction code “P” in the Juniata Valley Financial Corp Form 4 indicates a purchase in the open market or a private transaction. In this case, it reflects Gary E. Kelsey’s acquisition of 144 common shares, boosting his directly owned holdings to 15,740 shares.

Is Gary E. Kelsey’s ownership in JUVF direct or indirect after this transaction?

Gary E. Kelsey’s ownership reported in this Form 4 is direct. The filing labels the 15,740 shares of Juniata Valley Financial Corp common stock as directly owned, with no indicated indirect ownership through entities or related parties in the disclosed transaction.

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Accepted by SEC EDGAR 02/18/2026 - 03:16 PM EST

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^*

Kelsey Gary E

(Last)

(First)

(Middle)

PO BOX 590

(Street)

COUDERSPORT

16915

(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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	02/17/2026		P		144	A	$0	15,740	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

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.

Source: View Original Filing on SEC EDGAR