JUVF JUNIATA VALLEY FINANCIAL CORP Insider Trading

Director John P. Iv Henry purchases 1,100 shares across 3 transactions at avg $14.89; holdings rise 55.5% to 3,083 shares.

John P. Iv Henry, a Director at Juniata Valley Financial Corp, executed 3 separate purchases totaling 1,100 shares for $16,374.00 between June 1–4, 2026, at a blended average price of $14.89. This represents a substantial 55.5% increase in his direct shareholding from 1,983 to 3,083 shares. His prior trading record at this ticker shows consistent 90-day gains: +1.8%, +10.8%, and +12.0% across three earlier open-market buys, demonstrating a pattern of well-timed accumulation. The stock is currently trading at $14.98 (0.1% below its 52-week high) and has appreciated 3.3% over 30 days and 7.1% over 90 days, positioning the latest purchase within a recent uptrend. Given the company's modest but profitable fundamentals (P/E of 8.61, $2.8M net income on $8.1M revenue) and the insider's consistent positive returns at the 90-day horizon on prior buys, this accumulation warrants attention.

Director Henry John P. IV bought 83 shares of JUVF (+4.4%), joining 8 other insider buyers in 14 days; 2 prior buys at this ticker both delivered +10%+ 90-day gains.

Director Henry John P. IV purchased 83 shares of Juniata Valley Financial on 2026-02-17, bringing his holdings to 1,983 shares (+4.4% net change). This transaction occurs within a cluster pattern: 8 other insiders also bought within the past 14 days, indicating coordinated confidence at the company level. His own prior trades at JUVF show strong 90-day execution: both purchases on 2025-06-05 delivered +10.8% and +12.0% 90-day returns respectively, establishing a pattern of well-timed entry. The company trades at a P/E of 9.64 with a market cap of $72,120,141.63 and latest-quarter net income of $2,056,000.00, providing a stable financial backdrop. Current price of $14.37 sits at -3.5% from the 52-week high of $14.89, creating a relative valuation window that coincides with this multi-insider buy cluster.

Director Dreibelbis buys 179 shares of JUVF; 8 other insiders purchased within 14 days (cluster pattern)

Director Martin L Dreibelbis purchased 179 shares on 2026-02-17, increasing his holdings from 10,066 shares to 10,245 shares. This transaction occurs within a broader cluster pattern: 8 other insiders also bought within the past 14 days, suggesting coordinated or coincident insider accumulation activity at JUVF. Dreibelbis's prior trades at this ticker show mixed timing—3 of 5 prior buys were well-timed at the 90-day mark, with outcomes ranging from -10.9% to +37.4% over 90 days. The company's fundamentals show a P/E of 9.64 and net income of $2,056,000.00 on revenue of $8,073,000.00, with the current stock price of $14.37 standing 3.5% below its 52-week high. The confluence of multiple insiders accumulating shares warrants attention to whether this reflects a coordinated response to valuation, planned announcements, or operational developments.

Director Christina Calkins-Mazur buys 142 JUVF shares; 8 other insiders also bought within 14 days (cluster pattern).

Director Calkins-Mazur purchased 142 shares of JUVF on 2026-02-17, increasing her holdings by +2.3% to 6,303 shares. This transaction is part of a broader cluster pattern: 8 other insiders also bought within the past 14 days, suggesting coordinated or synchronized insider activity. Her own prior trades at JUVF show a mixed record—1 of 4 prior buys was well-timed at the 90-day mark, with the November 2023 buy returning +24.7% at 30 days and +12.0% at 90 days. At current price $14.37, the stock is -3.5% from its 52-week high and has advanced +6.0% over 30 days. Fundamentals show a P/E of 9.64 with revenue of $8,073,000.00 and net income of $2,056,000.00 in the latest quarter. The cluster buy pattern and modest position increase warrant attention to whether multiple insiders perceive value at these levels.

Director Joseph B. Scarnati III buys 138 JUVF shares; 8 other insiders bought within 14 days (cluster pattern).

Scarnati purchased 138 shares on 2026-02-17, increasing his holdings by 2.2% to 6,386 shares. This transaction is part of a cluster pattern in which 8 other insiders also bought within the past 14 days, suggesting coordinated confidence at current levels. However, Scarnati's track record at JUVF shows concerning timing: his 5 prior purchases at the ticker have yielded only 1 well-timed outcome at the 90-day mark (20% accuracy), with most trades followed by negative 90-day returns ranging from -1.6% to -12.4%. The stock trades at a modest P/E of 9.64 with $8.1M in quarterly revenue and $2.1M net income ($72.1M market cap). The 6.0% 30-day price appreciation is noteworthy, but Scarnati's historical pattern at this ticker warrants monitoring.

Director Sliver Steven C. purchased 150 JUVF shares, lifting holdings to 3,334 shares; cluster of 8 other insider buys in 14 days.

Director Sliver Steven C. purchased 150 shares on 2026-02-17, increasing his holdings from 3,184 to 3,334 shares (+4.7% net change). This buy occurs as part of a cluster pattern: 8 other insiders also purchased within the past 14 days, suggesting coordinated or independently motivated accumulation at the company. His prior 5 trades at JUVF show mixed outcomes, with only 1 of 5 prior buys yielding positive 90-day returns (his most recent prior buy on 2025-08-22 returned +0.7% at 90 days). JUVF's fundamentals show a P/E of 9.64 and quarterly revenue of $8.1M with net income of $2.1M. The stock has advanced 6.0% over the past 30 days and currently trades at $14.37, down 3.5% from its 52-week high of $14.89.

CFO Michael Wolf buys 2,585 shares of JUVF, increasing stake to 12,315 shares (+26.6%); 8 other insiders also bought within 14 days

Michael Wolf, EVP/CFO of Juniata Valley Financial, purchased 2,585 shares on 2026-02-17, expanding his position by 26.6% from 9,730 to 12,315 shares. This transaction occurs as part of a cluster pattern where 8 other insiders also bought within the past 14 days, suggesting broader appetite among leadership. At the stock's current price of $14.37 (near its 52-week high of $14.89, only 3.5% below), the company trades at a P/E of 9.64 with market cap of $72.1M and quarterly net income of $2.1M. Wolf's timing history at JUVF shows mixed results: of 5 prior buys at this ticker, only 2 were well-timed at the 90-day mark, with returns ranging from -13.0% to +10.9% over that period. The coordinated cluster buying by multiple insiders warrants attention as a potential signal of management's assessment of current valuations and near-term prospects.

CEO Marcie A Barber bought 4,945 shares of JUVF; cluster buy by 8 other insiders in 14 days

Marcie A Barber, President/CEO, purchased 4,945 shares on 2026-02-17, increasing her holdings by 10.1% to 53,887 shares total. This transaction is noteworthy because it occurs as part of a coordinated cluster pattern: 8 other insiders also bought within the past 14 days, suggesting aligned confidence across the executive suite. However, Barber's own transaction history at JUVF shows mixed timing: of her 5 prior purchases at this ticker, only 1 was well-timed (positive 90-day return), with subsequent buys on 2025-02-18 and 2024-02-20 both declining 1.9% and 10.9% respectively over 90 days. The stock currently trades at $14.37, near its 52-week high of $14.89, and the company trades at a modest P/E of 9.64 with $8.1M quarterly revenue and $2.1M net income. The cluster buying pattern merits observation, though Barber's personal track record at this ticker suggests inconsistent timing discipline.

Director Buffington buys 141 JUVF shares; cluster of 8 other insiders buying within 14 days despite his 0% 90-day win rate at ticker.

Buffington Michael A., a Director at Juniata Valley Financial, purchased 141 shares on 2026-02-17, raising his holdings from 4,218 to 4,359 shares (+3.3%). The transaction occurs within a cluster of 8 other insiders also buying within the past 14 days, suggesting coordinated or consensus-driven accumulation at the company level. However, Buffington's prior trades at JUVF show no pattern of well-timed purchases: his four previous buys (2023–2025) each posted negative 90-day returns ranging from -4.2% to -13.3%, with a 0% win rate at this ticker. The stock trades at a P/E of 9.64 with revenue of $8,073,000.00 and net income of $2,056,000.00, but the insider's historical timing accuracy offers limited evidence that current price levels represent a compelling entry point for this particular buyer.

Director Kelsey Gary E purchased 144 JUVF shares on 2026-02-17; cluster activity with 8 other insiders buying within 14 days

Kelsey Gary E, a director, purchased 144 shares of Juniata Valley Financial Corp on 2026-02-17, increasing holdings from 15,596 to 15,740 shares. This modest transaction represents a 0.9% addition to his position. Notably, 8 other insiders also bought within the past 14 days, suggesting coordinated or near-simultaneous buying interest at the company. However, the insider's cross-ticker track record shows concerning outcomes: 2 prior open-market buys averaged -1.8% over 30 days and -7.8% over 90 days, with a 0.00% win rate at the 90-day mark. At this same ticker, his prior two buys on 2025-02-18 and 2024-02-20 each produced negative 90-day returns (-4.7% and -10.9% respectively), with neither proving well-timed. The company's fundamentals are modest (revenue $8,073,000.00, net income $2,056,000.00, P/E of 9.64, market cap $72,120,141.63), and the stock is currently -3.5% from its 52-week high.