JUVF / Juniata Valley Financial Corp. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Juniata Valley Financial Corp.
US ˙ OTCPK

Mga Batayang Estadistika
CIK 714712
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Juniata Valley Financial Corp.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
August 13, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13

July 23, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2025 JUNIATA VALLEY FINA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2025 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

July 23, 2025 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2025 Mifflintown, PA, July 23, 2025 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended June 30, 2025 of $1.9 million, an increase of 9.5% compared to net income of $1.7 million for the three months ended June 30, 2024. Earnings per sh

May 20, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2025 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 20, 2025 EX-99.1

MARTIN DREIBELBIS CHAIRMAN AGENDA • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominations • Management’s Presentation

Exhibit 99.1 THE TIDE IS TURNING Juniata Valley Financial Corp. 2025 Annual Meeting May 20, 2025 Exhibit 99.1 MARTIN DREIBELBIS CHAIRMAN AGENDA • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominations • Management’s Presentation – The Tide is Turning • Questions/Commen

May 13, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-1

April 22, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2025 JUNIATA VALLEY FIN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2025 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

April 22, 2025 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2025 Mifflintown, PA, April 22, 2025 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended March 31, 2025 of $2.0 million, an increase of 48.2%, compared to net income of $1.4 million for the three months ended March 31, 2024. Earnings

April 18, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 15, 2025 JUNIATA VALLEY FIN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 15, 2025 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

March 27, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents Sch14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 26, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-13232 Ju

March 26, 2025 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Last Plan Amendment: June 19, 2012 Revised/Approved: February 18, 2025 Last Amendment: June 19, 2012 Last Exhibit A revision and approval: February 18, 2025 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for emplo

March 26, 2025 EX-19

Insider Trading Policy, (filed herewith)

Exhibit 19 Insider Trading Policy (as stated in the Employee Handbook) The Need for a Policy Statement The purpose or sale of securities while aware of material nonpublic information, or the disclosure of material nonpublic information to others who then trade in Juniata Valley Financial Corp.

March 26, 2025 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

February 14, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 14, 2025 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation

January 29, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 29, 2025 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

January 29, 2025 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Quarter and Year End December 31, 2024 Results Mifflintown, PA, January 29, 2025 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”) announced net income for the three months ended December 31, 2024 of $1.5 million compared to net income of $1.7 million for the three months ended December 31, 2023. Earnings per share, bas

November 12, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0

October 23, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2024 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

October 23, 2024 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended September 30, 2024 Mifflintown, PA, October 23, 2024 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”) announced net income for the three months ended September 30, 2024 of $1.6 million compared to net income of $1.8 million for the three months ended September 30, 2023. Earnings per share,

August 12, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13

July 23, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2024 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

July 23, 2024 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2024 Mifflintown, PA, July 23, 2024 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended June 30, 2024 of $1.7 million, an increase of 24.9% compared to net income of $1.4 million for the three months ended June 30, 2023. Earnings per s

May 31, 2024 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission F

May 31, 2024 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

May 31, 2024 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Last Plan Amendment: June 19, 2012 Revised/Approved: February 20, 2024 Last Amendment: June 19, 2012 Last Exhibit A revision and approval: February 20, 2024 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for emplo

May 31, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-1

May 21, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2024 JUNIATA VALLEY FINAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2024 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 21, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2024 JUNIATA VALLEY FINAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2024 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 21, 2024 EX-99.1

Annual Meeting of Shareholders Chairman, Martin Dreibelbis Agenda • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominati

Exhibit 99.1 JUNIATA VALLEY FINANCIAL CORP. 2024 ANNUAL MEETING MAY 21, 2024 NAVIGATING CHANGE Exhibit 99.1 Annual Meeting of Shareholders Chairman, Martin Dreibelbis Agenda • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominations • Management’s Presentation – “Navigat

May 21, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2024 JUNIATA VALLEY FINAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2024 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 15, 2024 NT 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check one): ☐ Form 10-K ☐ Form 20-F ☐ Form 11-K ☒ Form 10-Q ☐ Form 10-D ☐ Form N-CEN ☐ Form N-CSR For Period Ended: March 31, 2024 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on Form 10-Q For the Transition Perio

April 24, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2024 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

April 24, 2024 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2024 Mifflintown, PA, April 24, 2024 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended March 31, 2024 of $1.4 million, a decrease of 21.8%, compared to net income of $1.7 million for the three months ended March 31, 2023. Earnings p

March 22, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents Sch14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 20, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-13232 Ju

March 20, 2024 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Last Plan Amendment: June 19, 2012 Revised/Approved: February 20, 2024 Last Amendment: June 19, 2012 Last Exhibit A revision and approval: February 20, 2024 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for emplo

March 20, 2024 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

January 26, 2024 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Quarter and Year End December 31, 2023 Results Mifflintown, PA, January 26, 2024 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”) announced net income for the three months ended December 31, 2023 of $1.7 million compared to net income of $2.1 million for the three months ended December 31, 2022. Earnings per share, bas

January 26, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2024 JUNIATA VALLEY F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2024 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

December 1, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 1, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

November 13, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0

October 20, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 20, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

October 20, 2023 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Third Quarter 2023 Results Mifflintown, PA, October 20, 2023 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”) announced net income for the three months ended September 30, 2023 of $1.8 million compared to net income of $2.1 million for the three months ended September 30, 2022. Earnings per share, basic and diluted, wa

August 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13

July 21, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2023 JUNIATA VALLEY FINA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

July 21, 2023 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Second Quarter 2023 Results Mifflintown, PA, July 21, 2023 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended June 30, 2023 of $1.4 million, a decrease of 29.5% compared to net income of $2.0 million for the three months ended June 30, 2022. Earnings per share, basic and d

June 30, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2023 JUNIATA VALLEY FINA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

May 16, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 16, 2023 EX-99.1

Shareholders’ Business Meeting Chairman, Timothy Havice Agenda • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominations

Exhibit 99.1 JUNIATA VALLEY FINANCIAL CORP. 2023 ANNUAL MEETING MAY 16, 2023 STAYING THE COURSE Exhibit 99.1 Shareholders’ Business Meeting Chairman, Timothy Havice Agenda • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominations • Management’s Presentation – “Staying t

May 16, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 JUNIATA VALLEY FINAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 12, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 12, 2023 JUNIATA VALLEY FINAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 12, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 12, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-1

May 12, 2023 EX-99.1

The Juniata Valley Bank and Orrstown Bank Announce Completion of the Sale of Orrstown’s Path Valley Branch Location to Juniata

Exhibit 99.1 The Juniata Valley Bank and Orrstown Bank Announce Completion of the Sale of Orrstown’s Path Valley Branch Location to Juniata MIFFLINTOWN, PA AND SHIPPENSBURG, PA, May 12, 2023 (GLOBE NEWSWIRE) - The Juniata Valley Bank, a wholly-owned subsidiary of Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), and Orrstown Bank, a wholly-owned subsidiary of Orrstown Financial Services, In

April 25, 2023 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2023 Mifflintown, PA, April 25, 2023 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended March 31, 2023 of $1.7 million, a decrease of 18.1%, compared to net income of $2.1 million for the three months ended March 31, 2022. Earnings p

April 25, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

March 24, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 21, 2023 JUNIATA VALLEY FIN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 21, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

March 20, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents Sch14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 16, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-13232 Ju

March 16, 2023 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Last Plan Amendment: June 19, 2012 Revised/Approved: February 21, 2023 Last Amendment: June 19, 2012 Last Schedule A revision and approval: February 21, 2023 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for empl

March 16, 2023 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

March 3, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 3, 2023 JUNIATA VALLEY FINA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 3, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

January 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2023 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

January 27, 2023 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition (Unaudited)

EX-99.1 2 tmb-20230127xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Fiscal Year and Fourth Quarter 2022 Results Mifflintown, PA, January 27, 2023 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the year ended December 31, 2022 of $8.3 million, an increase of 26.0%, compared to net income of $6.6 million for the year e

December 28, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 23, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation

December 28, 2022 EX-99.1

The Juniata Valley Bank and Orrstown Bank Announce Definitive Agreement for Sale of Orrstown’s Path Valley Branch to Juniata

EX-99.1 3 tmb-20221223xex99d1.htm EX-99.1 The Juniata Valley Bank and Orrstown Bank Announce Definitive Agreement for Sale of Orrstown’s Path Valley Branch to Juniata MIFFLINTOWN, PA AND SHIPPENSBURG, PA (December 23, 2022 – The Juniata Valley Bank, a wholly-owned subsidiary of Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), and Orrstown Bank, a wholly-owned subsidiary of Orrstown Financi

December 28, 2022 EX-2.1

Bank and the Juniata Valley Bank,

EX-2.1 2 tmb-20221223xex2d1.htm EX-2.1 Exhibit 2.1 PURCHASE AND ASSUMPTION AGREEMENT between ORRSTOWN BANK as Seller and THE JUNIATA VALLEY BANK as Purchaser December 23, 2022 ARTICLE I – SALE OF ASSETS AND ASSUMPTION OF LIABILITIES 1.1 Effective Date and Closing 1 1.2 Sale of Assets and Assumption of Liabilities 1 1.3 Closing Payment; Adjustment of Income and Expenses; Settlement Procedure 4 1.4

November 14, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents ? ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

October 20, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 20, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

October 20, 2022 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 ? Juniata Valley Financial Corp. Announces Third Quarter 2022 Results ? Mifflintown, PA, October 20, 2022 (GLOBE NEWSWIRE) - ? Juniata Valley Financial Corp. (OTCQX:JUVF) (?Juniata?), announced net income for the three months ended September 30, 2022 of $2.1 million, an increase of 11.8%, compared to net income of $1.9 million for the three months ended September 30, 2021. Earnings pe

August 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13

July 21, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

July 21, 2022 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 ? Juniata Valley Financial Corp. Announces Second Quarter 2022 Results ? Mifflintown, PA, July 21, 2022 (GLOBE NEWSWIRE) - ? Juniata Valley Financial Corp. (OTCQX:JUVF) (?Juniata?), announced net income for the three months ended June 30, 2022 of $2.0 million, an increase of 14.0%, compared to net income of $1.7 million for the three months ended June 30, 2021. Earnings per share, bas

June 22, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 21, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

May 17, 2022 EX-99.1

Juniata Valley Financial Corp. Upgrades to Trade Shares on the OTCQX Best Market

EX-99.1 2 tmb-20220517xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Upgrades to Trade Shares on the OTCQX Best Market Mifflintown, PA, May 17, 2022 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (the “Company”) shares (OTCQX:JUVF) began trading today on OTC Markets Group’s OTCQX® Best Market. OTC Markets Group operates regulated markets for trading 12,000 U.S. and internationa

May 17, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 17, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K ? CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 ? Date of Report (Date of earliest event reported): May 17, 2022 ? JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) ? ? - ? ? Pennsylvania ? 0-13232 ? 23-2235254 (State or other Jurisdicti

May 17, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 17, 2022 EX-99.1

Shareholders’ Business MeetingChairman, Timothy Havice Agenda •Call to Order•Rules of Conduct•Introduction of Members of the Board of Directors•Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election•Nominations•Managemen

Exhibit 99.1 JUNIATA VALLEY FINANCIAL CORP.2022 ANNUAL MEETINGMAY 17, 2022 A NEW BEGINNING Exhibit 99.1 Shareholders? Business MeetingChairman, Timothy Havice Agenda ?Call to Order?Rules of Conduct?Introduction of Members of the Board of Directors?Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election?Nominations?Management?s Presentation ??A New Beginning??Questions/

May 13, 2022 EX-10.1

Amended Directors Deferred Compensation Agreement (filed herewith)

? Exhibit 10.1 ? THIRD AMENDMENT TO THE JUNIATA VALLEY BANK AND JUNIATA VALLEY FINANCIAL CORP. DIRECTORS? DEFERRED COMPENSATION PLAN ? ? This Third Amendment to the Juniata Valley Bank and Juniata Valley Financial Corp. Directors? Deferred Compensation Plan (the ?Plan?) is made this 19th day of April, 2022. WITNESSETH: WHEREAS, Juniata Valley Bank and Juniata Valley Financial Corp. (the ?Sponsors?

May 13, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO [SECTION 13 OR 15(d)] OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000

April 26, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

April 26, 2022 EX-10.1

Change of Control Severance Agreement with Michael W. Wolf (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on April 26, 2022).*

EX-10.1 2 tmb-20220426xex10d1.htm EX-10.1 Exhibit 10.1 CHANGE OF CONTROL SEVERANCE AGREEMENT THIS CHANGE OF CONTROL SEVERANCE AGREEMENT is entered into as of 26th day of April 2022, between JUNIATA VALLEY FINANCIAL CORP., a Pennsylvania business corporation having its principal place of business in Mifflintown, Pennsylvania (“JUVF”), and THE JUNIATA VALLEY BANK, a state-chartered bank located in M

April 22, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

April 22, 2022 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

EX-99.1 2 tmb-20220422xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2022 Mifflintown, PA, April 22, 2022 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the quarter ended March 31, 2022 of $2.1 million, an increase of 29.4%, compared to net income of $1.6 million for the qua

April 5, 2022 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

March 17, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 tmb-20220517xdef14a.htm DEF 14A Table of Contents Sch14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ ☐ Filed by a Party other than the Registrant Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use

March 16, 2022 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

Exhibit 10.4 ? ? ? ? ? ? ? ? ? ? ? Employee Annual Incentive Plan Plan Document ? ? ? ? ? Plan Effective: January 1, 2004 ? Revised/Approved: February 15, 2022 ? ? ? ? ? Employee Annual Incentive Plan ? ? I. Introduction/Purpose ? This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for employees at all levels, who through high levels of performance, contribute

March 16, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 16, 2022 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

? Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. ? ? ? ? ? Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) ? ? ? ? ? The Juniata Valley Bank ? Pennsylvania ? None Bridge and Main Streets ? ? ? ? Mifflintown, PA 17059 ? ? ? ? ? ?

February 17, 2022 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation

February 17, 2022 EX-3.II

Amended and Restated Bylaws (incorporated by reference to Exhibit 3(ii) to the Company’s Current Report on Form 8-K filed with the SEC on February 17, 2022)

Exhibit 3(ii) ? BYLAWS OF JUNIATA VALLEY FINANCIAL CORP. (AS AMENDED AND RESTATED FEBRUARY 15, 2022) ? ? ARTICLE 1 CORPORATION OFFICE ? SECTION 1.1. The Corporation shall have and continuously maintain in Pennsylvania a registered office which may, but need not, be the same as its place of business and at an address to be designated from time to time by the Board of Directors. ? SECTION 1.2. The C

January 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2022 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

January 28, 2022 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 ? Juniata Valley Financial Corp. Announces Fourth Quarter 2021 Results ? Mifflintown, PA, January 28, 2022 (GLOBE NEWSWIRE) - ? Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced net income for the year ended December 31, 2021 of $6.6 million compared to net income of $5.6 million for the year ended December 31, 2020, an increase of 17.9%. Earnings per share, basic

November 16, 2021 8-K

Other Events

? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K ? CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 ? Date of Report (Date of earliest event reported): November 16, 2021 ? JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) ? ? - ? ? Pennsylvania ? 0-13232 ? 23-2235254 (State or other Juris

November 15, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0

October 22, 2021 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 ? Juniata Valley Financial Corp. Announces Third Quarter 2021 Results ? Mifflintown, PA, October 22, 2021 (GLOBE NEWSWIRE) - ? Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced net income for the quarter ended September 30, 2021 of $1.9 million, an increase of 18.1%, compared to net income of $1.6 million for the quarter ended September 30, 2020. Earnings per shar

October 22, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2021 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

August 13, 2021 EX-3.3

Amended and Restated Juniata Valley Financial Corp. Employee Stock Purchase Plan

Exhibit 3.3 AMENDED AND RESTATED JUNIATA VALLEY FINANCIAL CORP. EMPLOYEE STOCK PURCHASE PLAN ARTICLE I–PURPOSE 1.01.Purpose The Juniata Valley Financial Corp. Employee Stock Purchase Plan provides a method for employees of The Juniata Valley Bank to acquire a proprietary interest in Juniata Valley Financial Corp. Under the Employee Stock Purchase Plan, participating employees may purchase shares o

August 13, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13

July 21, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K ? CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 ? Date of Report (Date of earliest event reported): July 21, 2021 ? JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) ? ? - ? ? Pennsylvania ? 0-13232 ? 23-2235254 (State or other Jurisdict

July 21, 2021 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 ? Juniata Valley Financial Corp. Announces Second Quarter 2021 Results ? Mifflintown, PA, July 21, 2021 (GLOBE NEWSWIRE) - ? Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced net income for the quarter ended June 30, 2021 of $1.7 million, an increase of 8.3%, compared to net income of $1.6 million for the quarter ended June 30, 2020. Earnings per share, basic and

May 18, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2021 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 18, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2021 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 18, 2021 EX-99.1

Shareholders’ Business Meeting Chairman, Timothy Havice Agenda • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Tellers • Nominations • Manageme

Exhibit 99.1 JUNIATA VALLEY FINANCIAL CORP. 2021 ANNUAL MEETING MAY 18, 2021 Weathering The Storm Exhibit 99.1 Shareholders? Business Meeting Chairman, Timothy Havice Agenda ? Call to Order ? Rules of Conduct ? Introduction of Members of the Board of Directors ? Determine Presence of Quorum, Approval of Minutes, Appointment of Tellers ? Nominations ? Management?s Presentation ??Weathering The Stor

May 14, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-1

April 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K ? CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 ? Date of Report (Date of earliest event reported): April 27, 2021 ? JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) ? ? - ? ? Pennsylvania ? 0-13232 ? 23-2235254 (State or other Jurisdic

April 27, 2021 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 ? Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2021 ? Mifflintown, PA, April 27, 2021 (GLOBE NEWSWIRE) - ? Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced net income for the quarter ended March 31, 2021 of $1.6 million, an increase of 57.5%, compared to net income of $1.0 million for the quarter ended March 31, 2020. Earnings

March 23, 2021 DEF 14A

- DEF 14A

Table of Contents Sch14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 16, 2021 10-K

Annual Report - 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 16, 2021 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

EX-21.1 3 tmb-20201231xex21d1.htm EX-21.1 Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

March 16, 2021 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

EX-10.4 2 tmb-20201231xex10d4.htm EX-10.4 Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 5, 2021 Last Amendment: June 19, 2012 Last Schedule A revision and approval: February 7, 2019 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for

February 1, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2021 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

February 1, 2021 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

EX-99.1 2 tmb-20210201xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter and Year Ended December 31, 2020 Mifflintown, PA, February 1, 2021 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the year ended December 31, 2020 of $5.6 million compared to net income of $5.8 million for the year ended D

November 9, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0

October 29, 2020 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Third Quarter 2020 Results Mifflintown, PA, October 29, 2020 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the quarter ended September 30, 2020 of $1.6 million, compared to net income of $1.1 million for the quarter ended September 30, 2019. Earnings per share, basic and diluted, were $

October 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2020 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

August 10, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13

July 23, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2020 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) - Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (C

July 23, 2020 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Second Quarter 2020 Results Mifflintown, PA, July 23, 2020 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the quarter ended June 30, 2020 of $1.6 million, compared to net income of $1.8 million for the quarter ended June 30, 2019. Earnings per share, basic and diluted, was $0.31 during t

May 19, 2020 EX-99.1

HERE TO HELP JUNIATA VALLEY FINANCIAL CORP. 2020 ANNUAL MEETING MAY 19, 2020 Shareholders’ Business Meeting Chairman, Timothy Havice Agenda • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of

Exhibit 99.1 HERE TO HELP JUNIATA VALLEY FINANCIAL CORP. 2020 ANNUAL MEETING MAY 19, 2020 Shareholders’ Business Meeting Chairman, Timothy Havice Agenda • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Tellers • Nominations • Voting Tabulation • President Marcie Barber’s Address –“Here to Help

May 19, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 19, 2020 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Comm

May 11, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2020 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number

May 6, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 6, 2020 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Commi

May 6, 2020 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

EX-99.1 2 tmb-20200506xex99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces First Quarter 2020 Results Mifflintown, PA, May 6, 2020 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the quarter ended March 31, 2020 of $1.0 million, compared to net income of $1.4 million for the quarter ended March 31, 2019. Earnings per sha

April 7, 2020 DEF 14A

JUVF / Juniata Valley Financial Corp. DEF 14A - - DEF 14A

Table of Contents Sch14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 27, 2020 8-K

Other Events

8-K 1 f8-k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 25, 2020 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of

March 16, 2020 10-K

JUVF / Juniata Valley Financial Corp. 10-K - Annual Report - 10-K

10-K 1 juvf-20191231x10k.htm 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from

March 16, 2020 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

March 16, 2020 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 7, 2020 Last Amendment: June 19, 2012 Last Schedule A revision and approval: February 7, 2019 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for employees at all levels, who through high

January 31, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2020 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

January 31, 2020 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

EX-99.1 2 ex-99d1.htm EX-99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter and Year Ended December 31, 2019 Mifflintown, PA, January 31, 2020 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the year ended December 31, 2019 of $5,835,000, compared to net income of $5,904,000 for the year ended December 31, 201

November 8, 2019 10-Q

JUVF / Juniata Valley Financial Corp. 10-Q - Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2019 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Nu

October 23, 2019 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Third Quarter Results Mifflintown, PA, October 23, 2019 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the three months ended September 30, 2019, was $1,093,000 compared to net income of $1,385,000 for the three months ended September 30, 2018. Earnings per share, basic and diluted, was

October 23, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

August 9, 2019 10-Q

JUVF / Juniata Valley Financial Corp. 10-Q - Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM L10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2019 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number

July 25, 2019 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Second Quarter Results Mifflintown, PA, July 25, 2019 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the second quarter ended June 30, 2019, was $1,845,000 compared to net income of $1,975,000 for the quarter ended June 30, 2018. Earnings per share, basic and diluted, was $0.36 in the se

July 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Com

June 24, 2019 8-K

Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 7, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Comm

May 22, 2019 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (Commi

May 22, 2019 EX-99.1

2019 Annual Meeting

Exhibit 99.1 2019 Annual Meeting Shareholders’ Business Meeting Timothy Havice Chairman Forward Looking Statements The presentation may contain “forward looking” information as defined by the Private Securities Litigation Reform Act of 1995 . When words such as “believes”, “expects”, “anticipates” or similar expressions are used in this release, Juniata Valley is making forward - looking statement

May 14, 2019 EX-16.1

Letter from BDO USA LLP dated May 14, 2019.

Exhibit 16.1 Tel: 717-233-8800 Fax: 717-233-8801 www.bdo.com 945 E. Park Drive, Suite 103 Harrisburg, PA 17111 May 14, 2019 Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Dear Commission: We have been furnished with a copy of the response to Item 4.01 of Form 8-K for the event that occurred on May 10, 2019, to be filed by our former client, Juniata Valley Financial Corp.

May 14, 2019 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Comm

May 10, 2019 10-Q

JUVF / Juniata Valley Financial Corp. 10-Q Quarterly Report FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2019 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata Valle

April 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

April 25, 2019 EX-99.1

Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2019

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter Ended March 31, 2019 Mifflintown, PA, April 25, 2019 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced net income for the quarter ended March 31, 2019, was $1,413,000, a 6.5% increase compared to net income of $1,327,000 for the quarter ended March 31, 2018. Earnings per share for

April 4, 2019 DEF 14A

JUVF / Juniata Valley Financial Corp. DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x ¨ Filed by a Party other than the Registrant Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14-a6(e)(2)) x Defin

April 2, 2019 8-K/A

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

April 2, 2019 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 8, 2019 1 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for employees at all levels, who through high levels of performance, contribute to the success and profitability of Juniata Valle

April 2, 2019 EX-13.1

Annual Report to Shareholders

Exhibit 13.1 FIVE-YEAR FINANCIAL SUMMARY - SELECTED FINANCIAL DATA (Dollars in thousands, except share and per share data) 2018 2017 2016 2015 2014 BALANCE SHEET INFORMATION at December 31 Assets $ 625,236 $ 591,945 $ 580,354 $ 583,928 $ 480,529 Deposits 521,722 477,668 455,822 457,126 380,884 Loans, net of allowance for loan losses 414,597 380,965 375,574 374,565 292,521 Investments 148,802 157,2

April 2, 2019 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

April 2, 2019 10-K

JUVF / Juniata Valley Financial Corp. FORM 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2018 or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-13232 Juniata Valley Finan

March 19, 2019 NT 10-K

JUVF / Juniata Valley Financial Corp. NT 10-K

NT 10-K OMB APPROVAL OMB Number: 3235-0058 Expires: February 28, 2022 Estimated average burden hours per response 2.

February 27, 2019 EX-3.4

Amended and Restated Bylaws (incorporated by reference to Exhibit 3.4 to the Company’s Current Report on Form 8-K filed with the SEC on February 27, 2019)

EX-3.4 2 tv514933ex3-4.htm EXHIBIT 3.4 Exhibit 3.4 BYLAWS OF JUNIATA VALLEY FINANCIAL CORP. (AS AMENDED AND RESTATED FEBRUARY 19, 2019) ARTICLE 1 CORPORATION OFFICE SECTION 1.1. The Corporation shall have and continuously maintain in Pennsylvania a registered office which may, but need not, be the same as its place of business and at an address to be designated from time to time by the Board of Di

February 27, 2019 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 19, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

February 8, 2019 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Results for the Quarter and Year Ended December 31, 2018 Mifflintown, PA, Feb. 08, 2019 (GLOBE NEWSWIRE) - Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced that Juniata’s net income for the year ended December 31, 2018, was $5,498,000, a 21.2% increase from net income of $4,537,000 for 2017. Earnings per share for 2018 wer

February 8, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8, 2019 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

November 9, 2018 10-Q

JUVF / Juniata Valley Financial Corp. FORM 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2018 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata V

October 29, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2018 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

October 29, 2018 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

EX-99.1 2 tv505709ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Third Quarter Results Mifflintown, PA, Oct. 29, 2018 (GLOBE NEWSWIRE) - Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced third quarter 2018 net income of $1,385,000, an increase of $179,000, or 14.8%, in comparison to net i

August 9, 2018 10-Q

JUVF / Juniata Valley Financial Corp. 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2018 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata Valley

August 3, 2018 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. Announces Second Quarter Results Mifflintown, PA, July 31, 2018 (GLOBE NEWSWIRE) - Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced second quarter 2018 net income of $1,569,000, an increase of $275,000, or 21.3%, in comparison to net income for the second quarter of 2017. Ea

August 3, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 31, 2018 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Com

May 17, 2018 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 15, 2018 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (Commi

May 17, 2018 EX-99.1

Timothy I. Havice Chairman of the Board of Directors Shareholders’ Business Meeting

Juniata Valley Financial Corp. Annual Shareholders Meeting  May 15, 2018 Exhibit 99.1 Timothy I. Havice Chairman of the Board of Directors Shareholders’ Business Meeting The presentation may contain “forward looking” information as defined by the Private Securities Litigation Reform Act of 1995 . When words such as “believes”, “expects”, “anticipates” or similar expressions are used in this relea

May 10, 2018 10-Q

JUVF / Juniata Valley Financial Corp. 10-Q (Quarterly Report)

10-Q 1 tv49119210q.htm 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2018 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Nu

May 4, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2018 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Co

May 4, 2018 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

EX-99.1 2 tv493146ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Juniata Valley Financial Corp. Announces Completion of Liverpool Merger and First Quarter Results MIFFLINTOWN, Pa., May 03, 2018 (GLOBE NEWSWIRE) - Liverpool Merger Completed Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”) today announced that its acquisition of Liverpool Community Bank (“Liverpool”) was completed on April 30, 2018

April 6, 2018 DEF 14A

JUVF / Juniata Valley Financial Corp. DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x ¨ Filed by a Party other than the Registrant Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14-a6(e)(2)) x Defin

March 16, 2018 EX-10.4

Employee Annual Incentive Plan, (filed herewith)*■

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 2, 2018 1 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for employees at all levels, who through high levels of performance, contribute to the success and profitability of Juniata Valle

March 16, 2018 EX-13.1

Annual Report to Shareholders

Exhibit 13.1 FIVE-YEAR FINANCIAL SUMMARY - SELECTED FINANCIAL DATA (Dollars in thousands, except share and per share data) BALANCE SHEET INFORMATION 2017 2016 2015 2014 2013 at December 31 Assets $ 591,945 $ 580,354 $ 583,928 $ 480,529 $ 448,782 Deposits 477,668 455,822 457,126 380,884 379,645 Loans, net of allowance for loan losses 380,965 375,574 374,565 292,521 275,511 Investments 157,278 154,4

March 16, 2018 10-K

JUVF / Juniata Valley Financial Corp. FORM 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2017 or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-13232 Juniata Valley Finan

March 16, 2018 EX-21.1

Subsidiaries of Juniata Valley Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

March 9, 2018 EX-99.1

Form of Proxy Card for Special Meeting of Shareholders of Liverpool Community Bank

EX-99.1 5 tv487183ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 REVOCABLE PROXY LIVERPOOL COMMUNITY BANK SPECIAL meeting of shareholders March 27, 2018 11:00 a.m. This proxy is solicited on behalf of the board of directors. The undersigned hereby appoints Lorie A. Cornell and Diana S. Orwan, or either of them, each with full power of substitution as attorneys and proxies of the undersigned to vote all Live

March 9, 2018 S-4/A

JUVF / Juniata Valley Financial Corp. AMENDMENT NO. 1 TO FORM S-4

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on March 9, 2018 Registration Statement No.

March 9, 2018 CORRESP

JUVF / Juniata Valley Financial Corp. CORRESP

March 9, 2018 Via Edgar Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549-1004 Attn: Christopher Dunham Re: Juniata Valley Financial Corp. Form S-4 Registration Statement File No. 333-223237 Dear Mr. Dunham: Pursuant to Rule 461 of the Commission's rules, Juniata Valley Financial Corp. hereby requests that the Commission accelerate the effectiveness of the above-refe

February 26, 2018 S-4

Power of Attorney (included on the signature page of this Registration Statement)

tv486563-s4 - none - 8.100897s TABLE OF CONTENTS As filed with the Securities and Exchange Commission on February 26, 2018 Registration Statement No. 333-????????? ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM S-4 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ? JUNIATA VALLEY FINANCIAL CORP. (Exact name of Registrant as specified in its charter) ? ? P

February 26, 2018 EX-99.1

Form of Proxy Card for Special Meeting of Shareholders of Liverpool Community Bank

EX-99.1 6 tv486563ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 REVOCABLE PROXY LIVERPOOL COMMUNITY BANK SPECIAL meeting of shareholders March 27, 2018 11:00 a.m. This proxy is solicited on behalf of the board of directors. The undersigned hereby appoints [ ∙ ] and [ ∙ ], or either of them, each with full power of substitution as attorneys and proxies of the undersigned to vote all Liverpool Community Bank

February 26, 2018 CORRESP

JUVF / Juniata Valley Financial Corp. CORRESP

126 East King Street Lancaster, Pennsylvania 17602 Tel (717) 299-5201 Fax (717) 291-4660 www.

February 15, 2018 EX-99.1

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition

Exhibit 99.1 Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced that Juniata?s net income for the year ended December 31, 2017, was $4,537,000, a 12.0% decrease from net income of $5,156,000 in 2016. Earnings per share for 2017 were $0.95, compared to $1.07 in 2016. For the fourth quarter of 2017 net income was $578,000, a decrease of $724,000 as compared to net income of $1,30

February 15, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2018 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

January 5, 2018 EX-99.1

Juniata Valley Financial Corp. to acquire Liverpool Community Bank

Exhibit 99.1 Filed by: Juniata Valley Financial Corp. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Liverpool Community Bank Juniata Valley Financial Corp. to acquire Liverpool Community Bank Company Release ? December 29, 2017 MIFFLINTOWN, Pa.?(BUSINESS WIRE)?Juniata Valley Financial Corp.

January 5, 2018 EX-2.1

Agreement and Plan of Merger, dated December 29, 2017 by and between Juniata Valley Financial Corp., The Juniata Valley Bank and Liverpool Community Bank (incorporated by reference to Exhibit 2.1 to the Company’s Current Report on Form 8-K filed with the SEC on January 5, 2018)

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN JUNIATA VALLEY FINANCIAL CORP., THE JUNIATA VALLEY BANK AND LIVERPOOL COMMUNITY BANK December 29, 2017 TABLE OF CONTENTS Page Article I CERTAIN DEFINITIONS 1 1.1. Certain Definitions. 1 Article II THE MERGER 7 2.1. Merger. 7 2.2. Effective Time; Closing. 7 2.3. Articles of Incorporation and Bylaws. 8 2.4. Directors and Officers. 8 2.5. Effect

January 5, 2018 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 29, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (

January 5, 2018 EX-2.1

Agreement and Plan of Merger, dated December 29, 2017

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN JUNIATA VALLEY FINANCIAL CORP., THE JUNIATA VALLEY BANK AND LIVERPOOL COMMUNITY BANK December 29, 2017 TABLE OF CONTENTS Page Article I CERTAIN DEFINITIONS 1 1.1. Certain Definitions. 1 Article II THE MERGER 7 2.1. Merger. 7 2.2. Effective Time; Closing. 7 2.3. Articles of Incorporation and Bylaws. 8 2.4. Directors and Officers. 8 2.5. Effect

January 5, 2018 425

JUVF / Juniata Valley Financial Corp. 8-K (Prospectus)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 29, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (

January 5, 2018 EX-99.1

Juniata Valley Financial Corp. to acquire Liverpool Community Bank

Exhibit 99.1 Filed by: Juniata Valley Financial Corp. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Liverpool Community Bank Juniata Valley Financial Corp. to acquire Liverpool Community Bank Company Release ? December 29, 2017 MIFFLINTOWN, Pa.?(BUSINESS WIRE)?Juniata Valley Financial Corp.

November 9, 2017 10-Q

JUVF / Juniata Valley Financial Corp. FORM 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2017 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata V

October 31, 2017 EX-99.1

Juniata Valley Financial Corp. Announces 2017 Third Quarter Financial Results

Exhibit 99.1 Company Release ? Mifflintown, PA ? October 30, 2017 Juniata Valley Financial Corp. Announces 2017 Third Quarter Financial Results Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced that Juniata?s third quarter 2017 net income was $1,206,000, a decrease of $241,000, or 16.7%, in comparison to net income for

October 31, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

October 31, 2017 EX-99.2

September 2017 Financial Statements

Exhibit 99.2 Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition (Unaudited) (Dollars in thousands, except share data) September 30, December 31, 2017 2016 ASSETS Cash and due from banks $ 13,219 $ 9,464 Interest bearing deposits with banks 133 95 Cash and cash equivalents 13,352 9,559 Interest bearing time deposits with banks 350 350 Securities available f

October 31, 2017 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (C

August 9, 2017 10-Q

JUVF / Juniata Valley Financial Corp. FORM 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2017 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata Valley

July 28, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Com

July 28, 2017 EX-99.1

Company Release – Mifflintown, PA – July 27, 2017 Juniata Valley Financial Corp. Announces 2017 Second Quarter Financial Results

Exhibit 99.1 Company Release ? Mifflintown, PA ? July 27, 2017 Juniata Valley Financial Corp. Announces 2017 Second Quarter Financial Results Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced that Juniata?s second quarter 2017 net income was $1,294,000, an increase of $179,000, or 16.1%, in comparison to net income for

May 18, 2017 EX-99.1

Annual Shareholders Meeting May 16, 2017 Juniata Valley Financial Corp.

Exhibit 99.1 Annual Shareholders Meeting May 16, 2017 Juniata Valley Financial Corp. The presentation may contain ?forward looking? information as defined by the Private Securities Litigation Reform Act of 1995 . When words such as ?believes?, ?expects?, ?anticipates? or similar expressions are used in this release, Juniata Valley is making forward - looking statements . Such information is based

May 18, 2017 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (Commi

May 10, 2017 10-Q

Juniata Valley Financial FORM 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2017 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to CommissionFile Number 000-13232 Juniata Valley

May 3, 2017 EX-99.1

Company Release – Mifflintown, PA – May 2, 2017

Exhibit 99.1 Company Release ? Mifflintown, PA ? May 2, 2017 Juniata Valley Financial Corp. Announces 2017 First Quarter Financial Results Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced that Juniata?s first quarter 2017 net income was $1,459,000, an increase of $167,000, or 12.9%, in comparison to net income for the

May 3, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Commi

April 7, 2017 DEF 14A

Juniata Valley Financial DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x ? Filed by a Party other than the Registrant Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14-a6(e)(2)) x Defin

March 24, 2017 EX-99.1

Mifflintown, PA – March 24, 2017

Exhibit 99.1 Press Release ? Mifflintown, PA ? March 24, 2017 Juniata Valley Financial Corp. Appoints New Director Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced the appointment of Michael A. Buffington to serve as a director of both Juniata and Juniata?s subsidiary bank, The Juniata Valley Bank. Ms. Barber stated,

March 24, 2017 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 21, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (Com

March 15, 2017 10-K

Juniata Valley Financial FORM 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2016 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-13232 Juniata Valley Finan

March 15, 2017 EX-13.1

MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS FORWARD LOOKING STATEMENTS

Exhibit 13.1 Five-Year Financial Summary - Selected Financial Data (In thousands of dollars, except share and per share data) BALANCE SHEET INFORMATION 2016 2015 2014 2013 2012 at December 31 Assets $ 580,354 $ 583,928 $ 480,529 $ 448,782 $ 448,869 Deposits 455,822 457,126 380,884 379,645 386,751 Loans, net of allowance for loan losses 375,574 374,565 292,521 275,511 274,219 Investments 154,448 15

March 15, 2017 EX-10.4

Performance Measures (Basic) Earnings Per Share (75%)

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: January 31, 2017 1 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for employees at all levels, who through high levels of performance, contribute to the success and profitability of Juniata Valle

March 15, 2017 EX-21.1

Subsidiaries of Juniata Valley Financial Corp. (Incorporated by reference to Exhibit 21.1 of Form 10-K, filed March 15, 2017)

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

January 31, 2017 EX-99.1

Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced that Juniata’s net income for the year ended December 31, 2016, was $5,156,000, an increase of 68.6% over net income for

Exhibit 99.1 Company Release ? Mifflintown, PA ? January 31, 2017 Juniata Valley Financial Corp. Announces 2016 and Fourth Quarter Financial Results Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced that Juniata?s net income for the year ended December 31, 2016, was $5,156,000, an increase of 68.6% over net income for

January 31, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2017 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

December 29, 2016 8-K

Juniata Valley Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 23, 2016 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

November 9, 2016 10-Q

Juniata Valley Financial 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2016 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata V

October 31, 2016 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2016 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

October 31, 2016 EX-99.1

Company Release –

EX-99.1 2 v451708ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Company Release – Mifflintown, PA – October 31, 2016 Juniata Valley Financial Corp. Announces 2016 Third Quarter Earnings Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced Juniata’s net income for the third quarter of 2016 was $1,447,000, an increase of $439,000, or

August 9, 2016 10-Q

Juniata Valley Financial FORM 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2016 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata Valley

June 21, 2016 S-8 POS

Juniata Valley Financial S-8 POS

As filed with the SEC on June 21, 2016 Registration Statement No. 333-174667 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8/A AMENDMENT NO. 1 TO REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 JUNIATA VALLEY FINANCIAL CORP. (Exact name of registrant as specified in its charter) Pennsylvania 23-2235254 (State or other jurisdiction of incorporation or organi

May 18, 2016 EX-99.1

Annual Shareholders Meeting May 17, 2016

Exhibit 99.1 Annual Shareholders Meeting May 17, 2016 ? ? Shareholders? Business Meeting Timothy I. Havice Chairman of the Board of Directors The presentation may contain ?forward looking? information as defined by the Private Securities Litigation Reform Act of 1995 . When words such as ?believes?, ?expects?, ?anticipates? or similar expressions are used in this release, Juniata Valley is making

May 18, 2016 8-K

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2016 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (Commi

May 11, 2016 EX-99.1

Juniata Valley Financial Corp. Announces First Quarter Earnings

Exhibit 99.1 Company Release ? Mifflintown, PA ? May 10, 2016 Juniata Valley Financial Corp. Announces First Quarter Earnings Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced that Juniata?s first quarter 2016 net income was $1,292,000, an increase of $368,000, or 39.8% as compared to net income in the first quarter of

May 11, 2016 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2016 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (Comm

May 10, 2016 10-Q

Juniata Valley Financial FORM 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended March 31, 2016 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata Valle

April 8, 2016 DEF 14A

Long Term Incentive Plan of Juniata Valley Financial Corp. (incorporated by reference to Exhibit 10.1 to the Company’s 2016 proxy statement filed with the SEC on April 8, 2016)*

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x ? Filed by a Party other than the Registrant Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14-a6(e)(2)) x Defin

March 15, 2016 10-K

Juniata Valley Financial FORM 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2015 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-13232 Juniata Valley Finan

March 15, 2016 EX-10.4

Performance Measures (Basic) Earnings Per Share (75%)

Exhibit 10.4 Employee Annual Incentive Plan Plan Document Plan Effective: January 1, 2004 Revised/Approved: February 5, 2016 1 Employee Annual Incentive Plan I. Introduction/Purpose This Employee Annual Incentive Plan has been developed as a meaningful compensation tool for employees at all levels, who through high levels of performance, contribute to the success and profitability of Juniata Valle

March 15, 2016 EX-13.1

Five-Year Financial Summary - Selected Financial Data (In thousands of dollars, except share and per share data)

Exhibit 13.1 Five-Year Financial Summary - Selected Financial Data (In thousands of dollars, except share and per share data) 2015 2014 2013 2012 2011 BALANCE SHEET INFORMATION at December 31 Assets $ 583,928 $ 480,529 $ 448,782 $ 448,869 $ 447,433 Deposits 457,126 380,884 379,645 386,751 386,665 Loans, net of allowance for loan losses 374,565 292,521 275,511 274,219 286,750 Investments 156,186 14

March 15, 2016 EX-21.1

SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP.

Exhibit 21.1 SUBSIDIARIES OF JUNIATA VALLEY FINANCIAL CORP. Name of Subsidiary State or Jurisdiction of Incorporation Trade Name (If any) The Juniata Valley Bank Pennsylvania None Bridge and Main Streets Mifflintown, PA 17059

February 23, 2016 8-K

Juniata Valley Financial Form 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 19, 2016 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation)

February 23, 2016 EX-99.1

Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (“Juniata”), announced that Juniata’s net income for the year ended December 31, 2015 was $3,058,000. For the quarter ended December 31, 2015,

Exhibit 99.1 Company Release ? Mifflintown, PA ? February 19, 2016 Juniata Valley Financial Corp. Announces 2015 and Fourth Quarter Financial Results Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF) (?Juniata?), announced that Juniata?s net income for the year ended December 31, 2015 was $3,058,000. For the quarter ended December 31, 2015,

January 29, 2016 8-K/A

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 29, 2016 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other jurisdiction of incorporation)

December 21, 2015 EX-99.1

Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC BB: JUVF) (“

Exhibit 99.1 Press Release ? Mifflintown, PA ? December 18, 2015 Juniata Valley Financial Corp. Appoints New Director Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC BB: JUVF) (?Juniata?), announced the appointment of Gary E. Kelsey to serve as a director of both Juniata and Juniata?s subsidiary bank, The Juniata Valley Bank. As previously reported, o

December 21, 2015 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 15, 2015 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (

December 3, 2015 8-K

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 30, 2015 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other jurisdiction of incorporation) (

November 12, 2015 EX-3.(I)

AMENDED AND RESTATED ARTICLES OF INCORPORATION JUNIATA VALLEY FINANCIAL CORP. Effective November 9, 2015

Exhibit 3(i) AMENDED AND RESTATED ARTICLES OF INCORPORATION JUNIATA VALLEY FINANCIAL CORP.

November 12, 2015 EX-99.1

Company Release – Mifflintown, PA – November 10, 2015

Exhibit 99.1 Company Release ? Mifflintown, PA ? November 10, 2015 Juniata Valley Financial Corp. Announces Merger Approval and Third Quarter Earnings Filed by: Juniata Valley Financial Corp. Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: FNBPA Bancorp, Inc. Company File No.: 0-13232 Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (

November 12, 2015 EX-99.1

Company Release – Mifflintown, PA – November 10, 2015

EX-99.1 3 v424329ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Company Release – Mifflintown, PA – November 10, 2015 Juniata Valley Financial Corp. Announces Merger Approval and Third Quarter Earnings Filed by: Juniata Valley Financial Corp. Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: FNBPA Bancorp, Inc. Company File No.: 0-13232 Marcie A. Barber, President and Chief Executive Of

November 12, 2015 EX-3.(I)

Amended and Restated Articles of Incorporation (incorporated by reference to Exhibit 3(i) to the Company’s Current Report on Form 8-K filed with the SEC on November 12, 2015)

Exhibit 3(i) AMENDED AND RESTATED ARTICLES OF INCORPORATION JUNIATA VALLEY FINANCIAL CORP.

November 12, 2015 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 5, 2015 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

November 12, 2015 425

Juniata Valley Financial 8-K (Prospectus)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 5, 2015 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 23-2235254 (State or other Jurisdiction of Incorporation) (

November 9, 2015 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended September 30, 2015 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata V

September 11, 2015 424B3

JOINT PROXY STATEMENT/PROSPECTUS FOR SPECIAL MEETINGS OF SHAREHOLDERS TO THE SHAREHOLDERS OF FNBPA BANCORP, INC. AND JUNIATA VALLEY FINANCIAL CORP. MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT FNBPA BANCORP, INC. 64 Main Street Port Allegany, Pennsy

Filed pursuant to Rule 424(b)(3) Registration Statement No. 333-206545 Proxy Statement/Prospectus JOINT PROXY STATEMENT/PROSPECTUS FOR SPECIAL MEETINGS OF SHAREHOLDERS TO THE SHAREHOLDERS OF FNBPA BANCORP, INC. AND JUNIATA VALLEY FINANCIAL CORP. MERGER PROPOSED ? YOUR VOTE IS VERY IMPORTANT Dear Shareholders: On June 26, 2015, Juniata Valley Financial Corp., or Juniata, and FNBPA Bancorp, Inc., or

September 4, 2015 CORRESP

Juniata Valley Financial ESP

[JUNIATA VALLEY LETTERHEAD] September 4, 2015 Via Edgar Securities and Exchange Commission 450 Fifth Street, N.

August 24, 2015 S-4

As filed with the Securities and Exchange Commission on August 24, 2015 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-4 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 JUNIATA VALLEY FINANCIAL CORP. Bridge and

As filed with the Securities and Exchange Commission on August 24, 2015 Registration Statement No.

August 24, 2015 EX-99.1

REVOCABLE PROXY FNBPA bancorp, inc. SPECIAL meeting of shareholders [ ∙ ], 2015 [ ∙ ] This proxy is solicited on behalf of the board of directors.

Exhibit 99.1 REVOCABLE PROXY FNBPA bancorp, inc. SPECIAL meeting of shareholders [ ? ], 2015 [ ? ] This proxy is solicited on behalf of the board of directors. The undersigned hereby appoints [ ? ] and [ ? ], or either of them, each with full power of substitution as attorneys and proxies of the undersigned to vote all FNBPA Bancorp, Inc. (?FNBPA?) common stock of the undersigned at the Special Me

August 24, 2015 EX-4.1

Form of Common Stock Certificate of Juniata Valley Financial Corp. (Incorporated by reference to Exhibit 4.1 to Form S-4 No. 333-206545, filed on August 24, 2015)

EX-4.1 2 v417911ex4-1.htm EX-4.1 Exhibit 4.1 J 3016 Juniata Valley Financial Corp. INCORPORATED UNDER THE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA CUSIP 482016 10 2 This Certifies that is the owner of SHARES OF THE COMMON CAPITAL STOCK OF JUNIATA VALLEY FINANCIAL CORP. hereinafter called the “Corporation”, transferable only on the books of the Corporation by the holder hereof in person, or by duly

August 24, 2015 COVER

Barley Snyder Lancaster ·York · Reading · Hanover · Malvern · Hunt Valley

126 East King Street Lancaster, Pennsylvania 17602 Tel (717) 299-5201 Fax (717) 291-4660 www.

August 24, 2015 EX-99.2

Important Notice Regarding the Availability of Proxy Materials for the Special Meeting: The Combined Document and Meeting Invitation are available at www.JVBonline.com. JUNIATA VALLEY FINANCIAL CORP. REVOCABLE PROXY FOR 2015 SPECIAL MEETING OF SHAREH

EX-99.2 11 v417911ex99-2.htm EX-99.2 Exhibit 99.2 [JUVF LOGO] VOTE BY INTERNET - www.investorvote.com/JUVF Use the Internet to transmit your voting instructions and for electronic delivery of information up until 11:59 p.m. Eastern Time the day before the cut-off date or meeting date. Have your proxy card in hand when you access the web site and follow the instructions to obtain your records and t

August 10, 2015 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT 1934 For the quarterly period ended June 30, 2015 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-13232 Juniata Valley

July 30, 2015 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2015 Juniata Valley Financial Corp. (Exact name of registrant as specified in its charter) Pennsylvania 0-13232 232235254 (State or other Jurisdiction of Incorporation) (Comm

July 30, 2015 EX-99.1

Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF), announced that net income and earnings per share for the quarter ended June 30, 2015 were $1,001,000 and $0.24, respectively, compared to $1,1

Exhibit 99.1 Company Release ? Mifflintown, PA ? July 29, 2015 Juniata Valley Financial Corp. Announces Earnings and Declares Dividend Marcie A. Barber, President and Chief Executive Officer of Juniata Valley Financial Corp. (OTC Pink: JUVF), announced that net income and earnings per share for the quarter ended June 30, 2015 were $1,001,000 and $0.24, respectively, compared to $1,163,000 and $0.2

July 30, 2015 EX-99.2

Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition ( in thousands, except share data)

Exhibit 99.2 Juniata Valley Financial Corp. and Subsidiary Consolidated Statements of Financial Condition ( in thousands, except share data) (1) (2) June 30, December 31, 2015 2014 ASSETS Cash and due from banks $ 7,746 $ 6,757 Interest bearing deposits with banks 247 10 Cash and cash equivalents 7,993 6,767 Securities available for sale 138,348 142,903 Restricted investment in Federal Home Loan B

June 26, 2015 EX-99.2

Acquisition of FNBPA Bancorp, Inc. Port Allegany, Pennsylvania June 26, 2015 Additional Information and Where to Find It: It is expected that Juniata Valley Financial Corp. (“JUVF”) will file a Registration Statement on Form S - 4, that JUVF and FNBP

Exhibit 99.2 Acquisition of FNBPA Bancorp, Inc. Port Allegany, Pennsylvania June 26, 2015 Additional Information and Where to Find It: It is expected that Juniata Valley Financial Corp. (?JUVF?) will file a Registration Statement on Form S - 4, that JUVF and FNBPA Bancorp, Inc. (?FNBP?) will file a Proxy Statement/Prospectus with the SEC in connection with the proposed transaction, and that JUVF a

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