JUNIATA VALLEY FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Mar 25, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 25, 2026
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Table of Contents
| | | |
|---|---|---|
| | | PAGE |
| | | |
| PART I | | 3 |
| ITEM 1. | BUSINESS | 3 |
| ITEM 1A. | RISK FACTORS | 13 |
| ITEM 1B. | UNRESOLVED STAFF COMMENTS | 20 |
| ITEM 1C. | CYBERSECURITY | 21 |
| ITEM 2. | PROPERTIES | 23 |
| ITEM 3. | LEGAL PROCEEDINGS | 23 |
| ITEM 4. | MINE SAFETY DISCLOSURES | 23 |
| PART II | | 23 |
| ITEM 5. | MARKET FOR REGISTRANT’S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES | 23 |
| ITEM 6. | RESERVED | 24 |
| ITEM 7. | MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS | 25 |
| ITEM 7A. | QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK | 50 |
| ITEM 8. | FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA | 51 |
| ITEM 9. | CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE | 106 |
| ITEM 9A. | CONTROLS AND PROCEDURES | 106 |
| ITEM 9B. | OTHER INFORMATION | 106 |
| ITEM 9C. | DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS | 106 |
| PART III | | 107 |
| ITEM 10. | DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE | 107 |
| ITEM 11. | EXECUTIVE COMPENSATION | 107 |
| ITEM 12. | SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS | 107 |
| ITEM 13. | CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE | 107 |
| ITEM 14. | PRINCIPAL ACCOUNTANT FEES AND SERVICES | 107 |
| PART IV | | 108 |
| ITEM 15. | EXHIBITS AND FINANCIAL STATEMENT SCHEDULES | 108 |
| SIGNATURES | 110 |
Part I
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.