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Univest Financial (UVSP) investor relations material
Univest Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $25.6 million ($0.89 diluted EPS), up 38% year-over-year, aided by a $967K tax-free BOLI death benefit claim.
Commercial loan commitments rose to $808 million through September 30, but loan outstandings contracted by $41.1 million year-to-date.
Deposits increased by $635.5 million in the quarter, mainly due to a $473.2 million seasonal build in public funds; total deposits rose 9.7% sequentially and 5.3% year-over-year.
Total assets reached $8.57 billion at September 30, 2025, with $5.7 billion in assets under management.
Return on average assets and equity improved to 1.24% and 11.02% for Q3 2025.
Financial highlights
Net interest income for Q3 2025 rose 15.4% year-over-year to $61.7 million, with net interest margin at 3.17% (up from 2.82% a year ago); core NIM (excluding excess liquidity) expanded to 3.33%.
Noninterest income for Q3 2025 was $21.9 million, up 8.8% year-over-year, including a $967K BOLI benefit.
Noninterest expense for Q3 2025 was $50.7 million, up 4.4% year-over-year, mainly due to compensation and other expenses.
Provision for credit losses was $517,000 for Q3 2025; allowance for credit losses held steady at 1.28%.
Net charge-offs for the quarter were $480,000, or 0.03% annualized of average loans and leases.
Outlook and guidance
Loans expected to remain relatively flat for the full year compared to December 31, 2024.
Net interest income projected to grow 12–14% year-over-year.
Provision for credit losses forecasted at $11–13 million for 2025, with event-driven adjustments.
Non-interest income for 2025 expected to grow 1–3% from a base of $84.5 million (excluding one-time items).
Management expects to maintain capital levels above regulatory minimums and capital conservation buffer.
What drives loan outstanding contraction despite strong commitments?
Update on the $13.9M commercial loan resolution.
How do initial Fed rate cuts impact NIM?
Certainty of covering problem loan balance?
Loan-to-deposit ratio target and growth strategy?
M&A appetite given internal initiatives?
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Next Univest Financial earnings date
Q4 202529 Jan, 2026
Next Univest Financial earnings date
Q4 202529 Jan, 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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