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Univest Financial
Univest Financial (UVSP) investor relations material
Univest Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record annual earnings per share of $3.13, with Q4 net income of $22.7 million ($0.79 per share), up 21.5% year-over-year.
Full-year net income was $90.8 million, up from $75.9 million in 2024.
Loan growth rebounded in Q4, with outstandings up $129.3 million, driven by commercial and real estate lending.
Non-accrual commercial loan payoff and recovery improved asset quality metrics.
Financial highlights
Net interest margin (NIM) for Q4 was 3.10%, down 7 bps sequentially; core NIM (excluding excess liquidity) rose 4 bps to 3.37%.
Net interest income for Q4 2025 was $62.5 million, up 12.8% year-over-year and 2.0% sequentially.
Full-year 2025 loans grew $88.2 million (1.3%), while deposits increased $328.1 million (4.9%).
Q4 provision for credit losses was $3.1 million; net charge-offs were $1.1 million (7 bps annualized).
Non-interest expense rose 4.1% year-over-year in Q4 and 2.5% for the full year.
Outlook and guidance
2026 guidance: loan growth of 2%-3%, net interest income up 4%-6%, and modest NIM expansion.
Provision for credit losses expected at $11-$13 million; non-interest income to grow 5%-7% (excluding BOLI benefits).
Non-interest expense projected to rise 3%-5%; effective tax rate expected at 20%-21%.
Share repurchases targeted at $10-$12 million per quarter in 2026.
Management highlighted risks from competition, interest rate changes, asset quality, liquidity, and economic conditions, as well as regulatory and technological factors.
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Next Univest Financial earnings date
Q1 202623 Apr, 2026
Univest Financial
Next Univest Financial earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Univest Financial Corporation is a bank holding company that provides a broad range of financial services through its subsidiary, Univest Bank and Trust Co. The company offers commercial and consumer banking products, including loans, deposit accounts, cash management, and mortgage banking. In addition to traditional banking, Univest provides insurance, investment advisory, and wealth management services. Its client base includes individuals, businesses, municipalities, and nonprofit organizations, primarily in Pennsylvania and surrounding regions. The company is headquartered in Souderton, Pennsylvania, and its shares are listed on the NASDAQ.
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