# EDGAR Filing Document

**Accession Number:** 0000714712
**File Stem:** 0001104659-26-064501
**Filing Date:** 2026-5
**Character Count:** 6065
**Document Hash:** 105160bbe4a242e89ae2dc25a0fcb99d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-064501.hdr.sgml**: 20260520

**ACCESSION NUMBER**: 0001104659-26-064501

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20260519

**ITEM INFORMATION**: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260520

**DATE AS OF CHANGE**: 20260520

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JUNIATA VALLEY FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000714712
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 232235254
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-13232
- **FILM NUMBER:** 261003982

**BUSINESS ADDRESS:**
- **STREET 1:** BRIDGE AND MAIN STREETS
- **STREET 2:** PO BOX 66
- **CITY:** MIFFLINTOWN
- **STATE:** PA
- **ZIP:** 17059-0066
- **BUSINESS PHONE:** 855-582-5101

**MAIL ADDRESS:**
- **STREET 1:** BRIDGE AND MAIN STREETS
- **STREET 2:** PO BOX 66
- **CITY:** MIFFLINTOWN
- **STATE:** PA
- **ZIP:** 17059-0066

?xml version='1.0' encoding='ASCII'? JUNIATA VALLEY FINANCIAL CORP._May 19, 2026

------

**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, 2026**

**JUNIATA VALLEY FINANCIAL CORP.**

(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-<br>|  |  |
| &nbsp;&nbsp;**Pennsylvania** | &nbsp;&nbsp;**0-13232** | &nbsp;&nbsp;**23-2235254** |
| &nbsp;&nbsp;(State or other Jurisdiction of Incorporation) | &nbsp;&nbsp;(Commission File Number) | &nbsp;&nbsp;&nbsp;&nbsp;(IRS Employer Identification No.) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Bridge and Main Streets, Mifflintown, Pennsylvania** | &nbsp;&nbsp;**17059** |
| &nbsp;&nbsp;(Address of principal executive offices) | &nbsp;&nbsp;(Zip Code) |

---

Registrant's telephone number, including area code: (855) 582-5101

---

| |
|:---|
| &nbsp;&nbsp;<br>**Not Applicable** |
| &nbsp;&nbsp;(Former name or former address if changed since last report.) |

---

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Title of each class** | &nbsp;&nbsp;**Trading Symbol(s)** | &nbsp;&nbsp;**Name of each exchange on which registered** |
| &nbsp;&nbsp;None | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

------

Juniata Valley Financial Corp.

Current Report on Form 8-K

**Item 5.02** **Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers**

As reported in a Current Report on Form 8-K filed on May 19, 2026, the shareholders of Juniata Valley Financial Corp. (the "Company") approved the 2026 Long-Term Incentive Plan of Juniata Valley Financial Corp. (the "Plan"), which provides that awards may be granted in the form of incentive stock options, nonqualified stock options, stock appreciation rights, performance restricted shares, restricted stock awards and stock awards to officers, directors and key employees of the Company. A description of the material terms of the Plan is contained in the Company's definitive proxy statement for the Annual Meeting of Shareholders, as filed with the Securities and Exchange Commission on March 26, 2026, and such description is incorporated by reference into this Current Report.

**Item 9.01** **Financial Statements and Exhibits.**

Exhibits. The exhibits listed in the Exhibit Index accompanying this Form 8-K are furnished herewith.

**Exhibit Index**

---

| | |
|:---|:---|
| Exhibit No. | Description |
| 10.8 | [2026 Long-Term Incentive Plan of Juniata Valley Financial Corp., incorporated by reference to Juniata's Definitive Proxy Statement for its 2026 Annual Meeting of Shareholders, as filed with the SEC on March 26, 2026.](https://www.sec.gov/ix?doc=/Archives/edgar/data/714712/000110465926034946/juvf-20260519xdef14a.htm) |

---

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **Juniata Valley Financial Corp.** | **Juniata Valley Financial Corp.** |
| Date: May 20, 2026 | By: | /s/ Michael W. Wolf |
|  | Name: | Michael W. Wolf |
|  | Title: | EVP, Chief Financial Officer |

---