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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.Q2 2025 earnings summary24 Jul, 2025
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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Next Univest Financial earnings date
Q3 202523 Oct, 2025
Next Univest Financial earnings date
Q3 202523 Oct, 2025
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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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