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Martin Dreibelbis

Chairman of the Board at JUNIATA VALLEY FINANCIAL
Board

About Martin L. Dreibelbis

Independent director and current Chairman of the Board at Juniata Valley Financial Corp. (JUVF), age 71, serving on the Board since 1998 (≈27 years). Background includes three decades in petroleum industry operations and consulting, plus local government experience; designated independent under NASDAQ standards. He serves on multiple key Board committees (Audit; Personnel & Compensation; Nominating; Asset-Liability Management; Strategic Planning; Loan). Board policy separates the Chair and CEO roles, and he serves as independent Board Chair.

Past Roles

OrganizationRoleTenureCommittees/Impact
Self-employed (Petroleum industry)Consultant1992–2012Sector/operator perspective; risk and operating insights
Horning Oil CompanyPresidentThrough 1992General management; energy market exposure
Walker Township, Juniata County, PATownship Supervisor2007–2024Public sector, community ties

External Roles

OrganizationRoleTenureNotes
No other public company directorships disclosedNone reported in proxy

Board Governance

BodyRoleChair?2024 MeetingsIndependence requirementNotes
Board of DirectorsChairmanYes12 Majority independent; Martin is independent Policy separates Chair/CEO roles
Audit CommitteeMemberNo6 All members independent; financial experts designated (Wagner, Sliver) Monitors reporting, controls, auditor independence
Personnel & Compensation CommitteeMemberNo4 All members independent Oversees exec comp; approves equity grants
Nominating CommitteeMemberNo2 All members independent Director recruitment, qualifications, age policy
Asset Liability Management (ALCO)MemberNon/an/aRisk oversight of balance sheet (bank-specific)
Strategic PlanningMemberNon/an/aLong-range planning
Loan CommitteeMemberNon/an/aDirectors rotate attendance with management
  • Independence and attendance: The Board determined he is independent; in 2024 no director attended fewer than 75% of Board and assigned committee meetings; policy expects attendance at the Annual Meeting and all directors attended in 2024.

Fixed Compensation (Non-Employee Director, 2024)

Component2024 Amount ($)Source/Notes
Fees Earned or Paid in Cash34,500 Annual fee $20,400 plus meeting fees ($300/committee meeting; $400 if committee chair; Audit chair $500); Board Chairman receives +$500 per Board meeting
Stock Awards (Restricted Stock)1,396 Director RSUs/RSAs; three-year cliff vest; dividends and voting rights during vest
Non-Qualified Deferred Comp. Earnings1,234 Reflects director retirement/split-dollar plan accruals
All Other Compensation303 Dividends on restricted stock
Total37,433 Sum of components
  • Fee structure: Annual director fee $20,400 (for 10 regular meetings), plus $300 per committee/special meeting ($500 if Audit Committee chair; $400 if other committee chair); Chairman receives an additional $500 per Board meeting.

Performance Compensation (Equity)

YearAward TypeVestingDividends/VotingValue ($)
2024Restricted Stock3-year cliff vestYes (during vesting)1,396
  • Notes: Director equity awards vest on a time-based schedule; no performance conditions are disclosed for director awards.

Other Directorships & Interlocks

CompanyRoleCommittee RolesInterlocks/Conflicts
None disclosedNone reported in proxy

Expertise & Qualifications

  • 27 years on JUVF’s Board (since 1998), with service as current Chairman; deep familiarity with the bank, markets, and governance requirements.
  • Petroleum industry leadership and consulting background; experience in local government (Township Supervisor 2007–2024), reinforcing community and stakeholder insight.
  • Independent under NASDAQ standards; sits on Audit, Compensation, and Nominating committees requiring heightened independence.

Equity Ownership

MetricValueNotes
Total beneficial ownership (shares)10,066 Includes restricted stock, votable during vest
Of which held jointly with spouse (shares)7,412 Per footnote (joint with spouse)
Shares outstanding (record date: 2/28/2025)5,016,727 Record date for 2025 meeting
Ownership as % of shares outstanding≈0.20% Calculated from beneficial shares and shares outstanding
Shares pledged as collateralNot indicated in proxy No pledging disclosure in beneficial ownership table/footnotes
Insider Trading PolicyPolicy maintained; filed as 10-K Exhibit 19 (2024) Covers directors, officers, employees

Governance Assessment

  • Board leadership: Independent Chairman role and explicit separation of Chair/CEO; Chair coordinates agendas and executive sessions of non-employee directors—positive for oversight.
  • Independence and attendance: Board designated him independent; Board met 12 times in 2024 and all directors met at least the 75% attendance threshold; all attended the 2024 Annual Meeting.
  • Committee load: Member of Audit, Compensation, and Nominating (all-independent), plus ALCO, Strategic Planning, and Loan—broad exposure to risk, talent, and strategy oversight.
  • Compensation alignment: Director pay is predominantly cash with modest time-vested equity ($1,396 in 2024) and legacy director retirement/split-dollar benefits; Chair receives incremental meeting fees—transparent structure with clear vesting terms.
  • Related-party and conflicts: Proxy reports ordinary-course banking transactions on market terms; no related-party transactions >$120,000; Code requires avoidance/approval of conflicts—no red flags disclosed.
  • Tenure signal: Very long service (≈27 years) while maintaining independence designation—investors may monitor refreshment dynamics, though company’s age limit policy exists (75, with potential one-year extension).

Compensation Committee Context (relevant to his committee service)

  • Compensation Committee members (2024): Kelsey (Chair), Buffington, Dreibelbis, Sliver—each independent.
  • Consultant: Herbein engaged; Committee determined independence; no other services >$120,000 disclosed; scope included peer benchmarking and incentive design.

Say-on-Pay & Shareholder Feedback (context)

  • Shareholders previously approved Say-on-Pay at the 2024 Annual Meeting; Say-on-Pay held annually, with the next frequency vote in 2030.

Director-Specific Notes and Potential Red Flags

  • Legacy non-qualified director plans: Director’s Retirement Plan ($8,500/yr for 10 years upon eligibility) and split-dollar life insurance ($25,000 lifetime coverage at/after age 65)—modest scale, but some investors view such benefits as less common today.
  • No Section 16 issues: Company believes all insider filings were timely in 2024.