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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
Q4 2025 net income was $22.7 million ($0.79 per share), up 21.5% year-over-year; full-year net income reached $90.8 million ($3.13 per share), up from $75.9 million in 2024.
Achieved record annual earnings per share of $3.13.
Gross loans and leases rose $129.3 million (1.9%) sequentially and $88.2 million (1.3%) year-over-year, driven by commercial and real estate lending.
Total deposits decreased $130.8 million sequentially but increased $328.1 million (4.9%) year-over-year, with shifts between public, commercial, and consumer segments.
Non-accrual loans and non-performing assets ratios improved due to payoff of a significant non-accrual commercial loan.
Financial highlights
Net interest margin (NIM) for Q4 2025 was 3.10%, down 7 bps sequentially; core NIM (excess liquidity excluded) up 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.
Noninterest income for Q4 2025 was $22.0 million, up 3.2% year-over-year, with increases in investment advisory and other income.
Non-interest expense for Q4 2025 was $52.7 million, up 4.1% year-over-year; full-year expenses up $5 million (2.5%).
Provision for credit losses in Q4 was $3.1 million; net charge-offs $1.1 million (7 bps annualized).
Outlook and guidance
2026 loan growth expected at 2%-3%, with modest NIM expansion and net interest income growth of 4%-6%.
Provision for credit losses projected at $11 million-$13 million for 2026.
Non-interest income expected to grow 5%-7% in 2026, excluding BOLI death benefits.
Non-interest expense guidance for 2026 is 3%-5% growth.
Effective tax rate anticipated at 20%-21%.
Management highlighted risks from competition, interest rate changes, asset quality, liquidity, and economic conditions, as well as regulatory and technological factors.
Deposit initiatives to lower cost of funds?
Residential mortgage strategy shift impact?
Buyback strategy to manage capital ratios?
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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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