Univest (UVSP) Q2 2025 Earnings Transcript

Univest Financial reported Q2 2025 net income of $20 million ($0.69 per share) with stable core deposit growth offsetting seasonal outflows. Net interest margin expanded 11 basis points sequentially to 3.2%, supported by improved asset yields. The company faces headwinds from loan prepayments despite strong $507 million in commercial loan production year-to-date, resulting in net loan contraction. Management lowered full-year loan growth guidance to 1-3% and expense growth to 2-4%, while maintaining net interest income growth guidance of 10-12%. A $7.3 million charge-off from a suspected fraudulent credit relationship raised credit concerns, though management states overall credit quality remains strong.

04/22/2026, 8:27 PM • The Motley Fool

Univest (UVSP) Q4 2025 Earnings Call Transcript

Univest Financial Corporation reported record full-year earnings per share of $3.13 with Q4 2025 net income of $22.7 million ($0.79 per share), a 21.5% increase year-over-year. The bank achieved solid Q4 loan growth of $129.3 million (7.6% annualized) after early payoff pressures in the first three quarters, though full-year loan growth was modest at 1.3%. Deposits declined quarterly due to public fund outflows, partially offset by consumer deposit gains. Management projects 2-3% loan growth for 2026 with 4-6% net interest income growth, while facing ongoing deposit competition and rate compression in commercial lending.

04/21/2026, 3:25 PM • The Motley Fool