UVSP
Univest Financial Corporation34.62
-0.28-0.8%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
985.83MP/E (TTM)
11.62Basic EPS (TTM)
2.98Dividend Yield
0.02%Recent Filings
8-K
8-K
8-K
Univest Q3 earnings surge
Univest Financial reported Q3 2025 net income of $25.6 million, up 37.8% from $18.6 million in Q3 2024, boosted by $967 thousand in tax-free BOLI death benefits. Net interest income climbed 15.3% to $61.3 million, with margin at 3.17%, while deposits surged 9.7% quarterly to $7.2 billion amid seasonal public funds. Loans dipped 0.2%, yet asset quality held with nonperforming assets at 0.61% of total assets. Strong liquidity persists.
10-Q
Q2 FY2025 results
Univest Financial turned in solid Q2 results, with net income climbing 10% year-over-year to $20.0 million, or $0.69 diluted EPS, from $18.1 million last year—driven by net interest income surging 17% to $59.5 million on higher loan yields and balances, though provision for credit losses jumped to $5.7 million after a $7.3 million charge-off on a fraud-tainted commercial loan. Noninterest income edged up 3% to $21.5 million, fueled by advisory fees and deposit charges, while expenses rose modestly 3% to $50.3 million amid staffing costs. Deposits dipped 3% quarter-over-quarter to $6.6 billion, but cash equivalents held at $160 million with $2.3 billion in FHLB availability; long-term debt shrank to $200 million after maturities. Year-to-date, EPS hit $1.45, up 11%, with free cash flow at $35.6 million (derived). Yet rising delinquencies in commercial real estate signal credit pressures ahead.
8-K
Univest Q2 2025 highlights
Univest Financial Corporation released its investor presentation on July 28, 2025, highlighting YTD Q2 results with core PTPP-NCO of $50.0 million and ROATE of 13.96%, while assets stood at $7.9 billion. Loans contracted 0.8% annualized, deposits 5.2%, yet noninterest income held at 27% of revenue amid strategic pushes for balance sheet optimization and fee growth. Strong capital ratios offer flexibility. Risks include economic slowdowns and interest rate volatility.
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