What does Univest Financial do and what are its main business segments?

What is the market's earnings forecast for Univest Financial next quarter?

What is Univest Financial's latest dividend and current dividend yield?

What were the key takeaways from Univest Financial's earnings call?

What is the revenue and EPS growth rate for Univest Financial year over year?

What guidance did Univest Financial's management provide for the next earnings period?

What is Univest Financial's gross profit margin?

Did Univest Financial beat or miss consensus estimates last quarter?

- **Record Q4 Performance**: $22.7M net income (21.5% YoY growth) and record annual EPS of $3.13.
- **Loan Growth Recovery**: Q4 loan growth of $129.3M, reversing prior quarter's payoff pressures.
- **Improved Asset Quality**: Nonaccrual loans at 0.2% and nonperforming assets at 0.45%, down 20/16 bps.
- **2026 Outlook**: 2-3% loan growth, 4-6% NII expansion, and $10-12M quarterly buybacks.
- **Strategic Initiatives**: Deposit mix shift to lower-cost operating accounts and expanded commercial lending focus.

**【CEO Summary Section】**
- Reported net income of $22.7 million for Q4 2025, up 21.5% YoY, with EPS of $0.79, marking a record annual EPS of $3.13.
- Loan outstandings grew $129.3 million in Q4, reversing early payoff pressures in first 3 quarters, with nonaccrual loans improving to 0.2% of total loans.
- Nonperforming assets declined 16 bps to 0.45% of total assets, reflecting credit portfolio stabilization.

**【CFO Financial Commentary】**
- Reported NIM of 3.10% (down 7 bps QoQ) due to excess liquidity, while core NIM rose 4 bps to 3.37%.
- Full-year 2025 loan growth of 1.3%, deposit growth of 4.9%, with Q4 deposits down $130.8 million due to public fund outflows.
- 2026 guidance: 2-3% loan growth, 4-6% NII growth, $11-13 million credit provision, 5-7% noninterest income growth, and 3-5% expense growth.
- Share repurchases of $10-12 million per quarter in 2026, with 2.3 million shares remaining under buyback plan.

**【Q&A Key Highlights】**
- **Deposit Management**: Q1 2026 public fund outflows of $100-150 million expected, with excess liquidity deployment over 2Q. Deposit pricing remains competitive but disciplined, with CD retention success.
- **NIM Trajectory**: Core NIM expected flat to slightly up in 2026, despite 2-3 rate cuts, due to ALM neutrality.
- **Credit Quality**: Ag portfolio focused on diversified small farms with conservative underwriting, showing no material stress. Net charge-offs at 7 bps annualized in Q4.
- **Expense Control**: Q1 2026 expenses expected lower than Q4 due to one-time incentive accruals.
- **Buyback Strategy**: Capital deployment prioritized over buybacks, targeting stable regulatory capital ratios.

Univest Financial Corporation (UVSP) Q4 2025 Earnings Call Transcript

- **Record Q3 Profit**: $25.6M net income (+38% YoY) driven by 12-14% NII growth guidance.
- **Core NIM Expansion**: 3.33% (up 9bps Q/Q), offsetting seasonal liquidity drag.
- **Strong Loan Pipeline**: $808M new commercial commitments vs. $659M prior year, despite early paydowns.
- **Deposit Management**: $635M deposit surge, 2% expense control, $6-7M/quarter buybacks maintained.
- **No M&A Focus**: Prioritizing efficiency over acquisitions.

**【CEO Summary Section】**
- Reported net income of $25.6 million ($0.89 per share), up 38% YoY, driven by net interest income growth and 2% expense control.
- Loan outstandings contracted $15.7 million Q/Q but new commercial commitments rose 23% YoY to $808 million.
- $7.3 million Q2 charge-off resolved with $13.9 million loan recovery; no further charge-offs expected.
- Deposits surged $635.5 million Q/Q, 88% from seasonal public funds build.

**【CFO Financial Commentary】**
- NIM 3.17% (-3bps Q/Q) due to excess liquidity; core NIM 3.33% (+9bps Q/Q).
- 2025 guidance: loans flat YoY, NII +12-14%, provision $11-13M, noninterest income +1-3% (excluding SBA risk).
- Noninterest expense up 2% YoY; buybacks $6-7M/quarter maintained.

**【Q&A Key Highlights】**
- Public funds: $75-100M/month outflows Q4, core deposits +$162M Q/Q.
- NIM outlook: core flat, reported NIM ~3.17% as liquidity unwinds.
- Loan pipeline: healthy at ~$800M/year, focused on CRE construction and fee income.
- Deposit competition: CD repricing ($200M+/quarter), 1/3 loan book floating rate.
- M&A: no immediate plans; focused on internal efficiency initiatives.


Univest Financial Corporation (UVSP) Q3 2025 Earnings Call Transcript

- **Q2 Results**: $20M net income, strong loan production ($507M YTD) offset by $31.9M payoff-driven contraction. NIM expands to 3.2%, but 3Q core NIM may dip slightly.
- **Guidance**: 1-3% loan growth, 10-12% NII growth, 2-4% expense growth. Active buybacks with 2-3 year earn-back period.
- **Strategic Focus**: Nonbank M&A exploration, deposit competition management, and infrastructure project engagement in PA.
- **Risk Management**: Single credit charge-off ($7.8M) highlights cautious credit approach; stable loan yields despite competitive pressures.

**【CEO Summary Section】**
- Q2 net income: $20 million ($0.69 per share). Loan outstandings contracted by $31.9 million due to early payoffs, despite year-to-date production of $507 million (vs. $402 million prior year). Deposits decreased $75.8 million (seasonal public funds decline), but rose $77.5 million excluding broker deposits.
- Significant $7.8 million net charge-off from one credit; credit quality otherwise strong.

**【CFO Financial Commentary】**
- NIM: 3.2% (up 11bps Q/Q), Core NIM: 3.24% (up 12bps). Expect 3Q core NIM to contract slightly due to sub debt repricing and public funds.
- Noninterest income +2.5% ($521k): driven by investment management fees, SBA loan gains, treasury fees. Mortgage banking down due to rate environment.
- Noninterest expense +3.3% ($1.6 million): annual merit, medical costs, incentives.
- 2025 Guidance:
  - Loan growth: 1-3%
  - NII growth: 10-12%
  - Expense growth: 2-4%
  - Tax rate: 20-20.5%

**【Q&A Key Highlights】**
- **Loan Growth & Expenses**: Brian confirms 1-3% loan growth (despite strong production, offset by payoffs) and 2-4% expense growth (prudent management). Jeff: Active on buybacks (earn-back period 2-3 years), open to nonbank M&A.
- **Deposit Competition**: Mike notes tough environment with elevated money market/CD rates. Focused on niche campaigns; public funds seasonal but manageable.
- **NIM Outlook**: Brian expects flat to slightly up NIM post-3Q, minimal impact from 1-2 rate cuts due to ALM neutrality.
- **PA Projects Impact**: Jeff/Mike: Excited about $90B infrastructure projects in PA; potential benefits through construction/contracting customers across footprint.
- **Loan Yields**: Stable on commercial side; expansion to slow as base rates rise, but no immediate pullback expected.

Univest Financial Corporation (UVSP) Q2 2025 Earnings Call Transcript

- **Q1 2025 Results**: $22.4M net income, 3.09% NIM (up 21 bps), stable credit quality (43 bps NPA). 
- **Capital Return**: $0.22 dividend (+$0.01) and $22M+ Q1 buybacks. 
- **Fee Growth**: 4-6% annual target driven by mortgage banking. 
- **Liquidity Strategy**: Targeting 95-100% loan-to-deposit ratio over time.

**【CEO Summary Section】**
- Reported net income of $22.4 million ($0.77 per share) for Q1 2025, despite muted loan growth due to larger payoffs (-$6.5 million net growth). 
- Deposit decline of $100.8 million driven by seasonal public funds drop, but noninterest-bearing deposits stabilized. 
- Net interest margin (NIM) improved to 3.09% (from 2.88% Q4 2024) due to disciplined loan pricing. 
- Credit quality strong: nonperforming assets at 43 basis points (up 2 bps), net charge-offs at 10 bps annualized. 
- Dividend increased by $0.01 to $0.22 per share; 221,760 shares repurchased in Q1 with plans to continue buybacks. 

**【CFO Financial Commentary】**
- NIM expanded 21 bps to 3.09%, with core NIM (excluding excess liquidity) at 3.12% (+10 bps). 
- Provision for credit losses of $2.3 million; coverage ratio stable at 1.28%. 
- Noninterest income decreased $3.2 million (-12.4%) due to lower contingent insurance income ($700k vs. $2.3M Q1 2024). 
- Noninterest expense down $746k (-1.5%) through cost management. 
- 2025 guidance unchanged (excluding $1M BOLI death benefit). 

**【Q&A Key Points】**
- **Fee income growth**: 4-6% annual target, with mortgage banking as key driver. 
- **Loan-to-deposit ratio**: Target 95-100% long-term, but cyclicality in public funds (low in Q2, rebuilding in H2). 
- **Capital returns**: Buybacks ~$22M/Q1 level, with decisions based on 9-12 month capital projections.

Univest Financial (UVSP)-24 Apr 25-2025 Q1 Earnings call transcript

- **Q4 Strong Performance**: $18.9M net income, 5.6% loan growth, 14.6% noninterest income surge.
- **2025 Growth Outlook**: 5-7% NII growth, 4-6% noninterest income expansion.
- **Credit Strength**: NPA ratio 41 bps, minimal charge-offs, stable provision guidance.
- **Share Buybacks**: Active repurchases (2.7% of shares in 2024), disciplined capital deployment.
- **Key Risks**: Seasonal deposit volatility, macroeconomic policy uncertainty.

**【CEO Opening Remarks】**
- Q4 2024 net income: $18.9 million ($0.65 per share), up 5.6% annualized in loans ($95.8 million) and 10.4% in consumer/commercial deposits ($104 million).
- Noninterest income grew 14.6% YoY to $2.7 million, driven by fee businesses (wealth management, mortgage banking).
- Credit quality strong: NPA ratio 41 bps (down 11 bps YoY), net charge-offs 6 bps YoY.
- Share buybacks: 139,492 shares Q4, 802,535 in 2024 (2.7% of shares outstanding), TBV per share +9.01% YoY.

**【CFO Financial Review】**
- NIM stabilization: 2.88% (up 6 bps QoQ), core NIM 3.02% (up 11 bps QoQ).
- 2024 loan growth: $259.4 million (3.9%), deposit growth: $383.5 million (6%).
- Noninterest-bearing deposits +$90.7 million Q4 (20.9% of total deposits vs 19.3% Q3).
- Provision for credit losses: $2.4 million Q4, coverage ratio 1.28%.
- Noninterest expense +3.3% QoQ, +1.1% YoY (excluding 2023 restructuring charges).

**【2025 Guidance】**
- **Net Interest Income (NII):** 5-7% growth (3-5% loan growth, modest NIM expansion).
- **Noninterest Income:** 4-6% growth off $84.5 million base.
- **Expenses:** 4-5% growth.
- **Tax Rate:** 20-20.5%.
- **Provision:** $12-14 million.

**【Q&A Highlights】**
- **Loan Growth Drivers:** Optimism from customers in M&A activity, stable loan-to-deposit ratio management.
- **Deposit Trends:** Seasonal public funds decline ($50-100M/month), offset by core deposit growth.
- **Rate Environment:** ALM neutrality limits Fed rate impact; yield curve steepening could provide upside.
- **Buybacks:** Opportunistic, focused on deploying excess capital without regulatory capital growth.

Univest Financial Corporation (UVSP) Q4 2024 Earnings Call Transcript

Univest Financial (UVSP)-24 Oct 24-2024 Q3 Earnings call transcript

Univest Financial (UVSP)-25 Jul 24-2024 Q2 Earnings call transcript

Univest Financial (UVSP)-25 Apr 24-2024 Q1 Earnings call transcript

Univest Financial (UVSP)-25 Jan 24-2023 Q4 Earnings call transcript

Univest Financial (UVSP)-27 Jul 23-2023 Q2 Earnings call transcript

Univest Financial (UVSP)-29 Apr 23-2023 Q1 Earnings call transcript

Univest Financial (UVSP)-26 Jan 23-2022 Q4 Earnings call transcript

Univest Financial (UVSP)-30 Oct 22-2022 Q3 Earnings call transcript

Univest Financial (UVSP)-29 Jul 22-2022 Q2 Earnings call transcript

Univest Financial (UVSP)-30 Apr 22-2022 Q1 Earnings call transcript

Univest Financial (UVSP)-27 Jan 22-2021 Q4 Earnings call transcript

Univest Financial (UVSP)-30 Oct 21-2021 Q3 Earnings call transcript

Univest Financial (UVSP)-1 Aug 21-2021 Q2 Earnings call transcript

Univest Financial (UVSP)-2 May 21-2021 Q1 Earnings call transcript

Univest Financial (UVSP)-28 Jan 21-2020 Q4 Earnings call transcript

Univest Financial (UVSP)-31 Oct 20-2020 Q3 Earnings call transcript

Univest Financial (UVSP)-23 Jul 20-2020 Q2 Earnings call transcript

Univest Financial (UVSP)-23 Apr 20-2020 Q1 Earnings call transcript

Univest Financial (UVSP)-23 Jan 20-2019 Q4 Earnings call transcript

Univest Financial (UVSP)-26 Oct 19-2019 Q3 Earnings call transcript

Univest Financial (UVSP)-28 Jul 19-2019 Q2 Earnings call transcript

Univest Financial (UVSP)-28 Apr 19-2019 Q1 Earnings call transcript

Univest Financial (UVSP)-24 Jan 19-2018 Q4 Earnings call transcript

Univest Financial (UVSP)-25 Oct 18-2018 Q3 Earnings call transcript

Univest Financial (UVSP)-28 Jul 18-2018 Q2 Earnings call transcript

Univest Financial (UVSP)-26 Apr 18-2018 Q1 Earnings call transcript

Univest Financial (UVSP)-25 Jan 18-2017 Q4 Earnings call transcript

Univest Financial (UVSP)-27 Oct 17-2017 Q3 Earnings call transcript

Actual											0.03	0.07	0.62	0.88	1.11	0.71	0.71	0.59	0.68	0.45	0.71	0.81	0.71	0.57	0.58	0.55	0.69	0.62	0.63	0.65	0.77	0.69	0.89	0.79
Forecast											0.4067	0.205	0.4025	0.4925	0.585	0.635	0.5775	0.6125	0.5925	0.6033	0.66	0.7433	0.7533	0.5867	0.5467	0.47	0.5133	0.5067	0.54	0.5667	0.6433	0.685	0.765	0.7667
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-92.62%	-65.85%	+54.04%	+78.68%	+89.74%	+11.81%	+22.94%	-3.67%	+14.77%	-25.41%	+7.58%	+8.97%	-5.75%	-2.85%	+6.09%	+17.02%	+34.42%	+22.36%	+16.67%	+14.70%	+19.70%	+0.73%	+16.34%	+3.04%

UVSP

UVSP fundamentals

UVSP Q4 2025 Earnings

Earnings Call

You can ask Aime

UVSP

UVSP fundamentals

UVSP Q4 2025 Earnings

Earnings Call

UVSP Earnings Call Summary for Q4/20259:00 AM on Jan 29, 2026

UVSP Earnings Call Summary for Q3/20259:00 AM on Oct 23, 2025

UVSP Earnings Call Summary for Q2/20259:00 AM on Jul 24, 2025

UVSP Earnings Call Summary for Q1/20259:00 AM on Apr 24, 2025

UVSP Earnings Call Summary for Q4/20249:00 AM on Jan 23, 2025

You can ask Aime