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Univest Financial (UVSP) investor relations material
Univest Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $20 million ($0.69 per share), up from $18.1 million ($0.62) in Q2 2024, with solid loan production but contraction in loan outstandings due to early payoffs and paydowns.
Return on average assets rose to 1.00% from 0.94% and return on average equity to 8.82% from 8.62% compared to Q2 2024.
Deposits decreased $75.8 million in the quarter, mainly from seasonal public funds and broker deposit declines; excluding these, deposits rose $77.5 million.
Credit quality remains strong except for one significant credit, with $7.8 million in net charge-offs, $7.3 million of which related to a single suspected fraud case.
Net interest income increased 16.9% year-over-year for Q2 2025, driven by higher loan balances, increased yields, and lower cost of funds.
Financial highlights
Year-to-date commercial loan production through June 30 was $507 million, up from $420 million year-over-year, but loan outstandings contracted by $25.4 million versus $117.6 million growth last year.
Net interest margin improved to 3.20% in Q2 2025 from 2.84% in Q2 2024, up 11 bps sequentially; core NIM (excluding excess liquidity) was 3.24%.
Noninterest income increased by 2.5% year-over-year, driven by investment management, SBA loan sales, and treasury fees, but declined 5.7% for the six months due to a prior-year gain on mortgage servicing rights.
Noninterest expense rose 3.3% year-over-year, mainly due to compensation, merit increases, medical costs, and incentives.
Total assets at June 30, 2025 were $7.94 billion, down 2.3% from year-end; total deposits were $6.58 billion, down 2.6%.
Outlook and guidance
Full-year 2025 loan growth expected at 1%–3%; net interest income growth forecasted at 10%–12% over Q2 2024.
Provision for credit losses guidance unchanged at $12–14 million for 2025, event-driven by loan growth and credit performance.
Noninterest income for 2025 expected to grow 1%–3% from an $84.5 million base (excluding one-time gains in 2024).
Noninterest expense for 2025 projected to increase 2%–4%.
Guidance updates are accretive to EPS and PPNR.
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