Juniata Valley Financial CORP: insider trades · United States · SEC (Form 4)

About Juniata Valley Financial CORP

Juniata Valley Financial Corp. is a U.S. bank holding company with operations in Pennsylvania, and its common stock is quoted on the OTCQX market under the ticker JUVF rather than on the NYSE or NASDAQ at this time. The company’s core asset is its wholly owned banking subsidiary, The Juniata Valley Bank, which defines the group’s earnings profile and strategic focus. Founded in 1867, the franchise has more than 150 years of history in community banking, with origins in Mifflintown and a long-standing emphasis on serving local customers across central and northern Pennsylvania. ([jvbonline.com](https://www.jvbonline.com/home/about/our-history?utm_source=openai)) JUVF operates as a classic relationship-driven community bank. Its product set spans consumer and commercial deposits, checking and savings accounts, money market accounts, debit and credit cards, online and mobile banking, telephone banking, and electronic statements. On the lending side, the bank offers residential mortgages, home equity products, personal loans, auto loans, student loans, and a broad range of business credits, including term loans, lines of credit, commercial real estate and construction financing, equipment and vehicle loans, SBA loans, and letters of credit. The group also provides retirement, trust, and wealth management services through its investment-related offerings. ([jvbonline.com](https://www.jvbonline.com/home/products-services)) Geographically, the franchise is concentrated in Pennsylvania, with branches across Juniata, Mifflin, Perry, McKean, Potter, and Franklin counties, plus satellite offices supporting loan production, trust services, and wealth management in Mifflin, Juniata, and Centre counties. This tight regional footprint is a defining feature of the business model: it supports strong local relationships, faster decision-making, and a deep understanding of rural and small-business banking needs, while also limiting scale relative to larger regional competitors. ([sec.gov](https://www.sec.gov/Archives/edgar/data/714712/000155837025003701/juvf-20241231x10k.htm?utm_source=openai)) Competitively, Juniata Valley Financial positions itself as a high-touch community institution serving households, farms, and small and mid-sized businesses. The bank highlights particular expertise in agriculture and local business lending, reflecting the economic structure of its markets. Its messaging also emphasizes a blend of traditional service and modern convenience, including digital banking tools, which is increasingly important for deposit retention and customer engagement in a more competitive community-banking landscape. ([jvbonline.com](https://www.jvbonline.com/home/business/industries?utm_source=openai)) Recent developments suggest improving operating momentum in 2025. The company reported stronger earnings in the first half of 2025 and again in the third quarter, citing disciplined loan and deposit pricing, healthy loan growth, and strong credit quality. The business also continued to benefit from prior expansion, including the 2023 acquisition of the Path Valley branch of Orrstown Bank. For investors, JUVF remains a small-cap, locally focused banking name whose performance is mainly driven by net interest margin, loan growth, deposit costs, and the health of its Pennsylvania operating base. ([fintel.io](https://fintel.io/doc/sec-juniata-valley-financial-corp-714712-8k-2025-july-23-20292-4294?utm_source=openai))