Univest Financial Corp (NAS:UVSP)

Q4 2025 Univest Financial Corp Earnings Call Transcript

Jan 29, 2026 / 02:00 PM GMT

Release Date Price: $32.72 (-2.09%)

Transcript 8-K

Key Points

Positve

Univest Financial Corp (UVSP) reported a strong fourth quarter with net income of $22.7 million, marking a 21.5% increase in earnings per share compared to Q4 2024.
Loan growth was solid in the fourth quarter, with loan outstandings increasing by $129.3 million.
The company successfully reduced non-accrual loans to total loans by 20 basis points to 0.2%, and non-performing assets to total assets declined by 16 basis points to 0.45%.
Univest Financial Corp (UVSP) repurchased approximately 480,000 shares of common stock during the fourth quarter, with plans to continue repurchasing shares in 2026.
The company expects net interest income growth of approximately 4 to 6% in 2026, driven by anticipated loan growth and modest NIM expansion.

Negative

The reported net interest margin (NIM) decreased by 7 basis points to 3.10% due to increased excess liquidity.
Deposits decreased by $130.8 million during the quarter, primarily driven by a $198.8 million decrease in public funds.
Non-interest expense increased by $2.1 million or 4.1% compared to the fourth quarter of 2024.
The provision for credit losses was recorded at $3.1 million for the quarter, with net charge-offs totaling $1.1 million.
The company faces increased competition in deposit pricing, which could impact its ability to lower deposit costs further.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

UVSP.OQ - Univest Financial Corp
Q4 2025 Univest Financial Corp Earnings Call
Jan 29, 2026 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hello everyone and thank you for joining the Univest Financial Corporation 4th quarter 2025 earnings call. My name is Gabrielle and I will be coordinating your call today.

During the presentation, you can register a question by pressing followed by 1 on your telephone keypad. If you change your mind, please press followed by 2 on your telephone keypad. I will now hand over to your host Jeff Schweitzer, President, Chairman and CEO of Univest Financial Corporation. Please go ahead.

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Unidentified_2 [2]
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Thank you, Gabrielle, and good morning

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