The earnings call for Univest Financial Corporation presented a mixed outlook. Key achievements included a strong start to the fiscal year, improved net interest margin, and an increase in dividends, reflecting a positive operational performance. However, challenges were noted in the form of decreased non-interest income and deposit levels, and a provision for credit losses, which could indicate future challenges. Despite these issues, the company remains optimistic about navigating the uncertain economic environment.

Company Guidance -

Q2 2025

During the Univest Financial Corporation's first quarter 2025 earnings call, several key metrics and guidance points were highlighted. The company reported net income of $22.4 million, or $0.77 per share, despite economic uncertainties. Loan growth was modest, with net growth of $6.5 million, impacted by larger payoffs, while deposits decreased by $100.8 million due to a seasonal decline in public funds. The net interest margin (NIM) improved to 3.09%, up from 2.88% in the previous quarter, with core NIM excluding excess liquidity at 3.12%. Non-performing assets to total assets increased slightly to 43 basis points, and net charge-offs remained low at 10 basis points annualized. The company recorded a provision for credit losses of $2.3 million, maintaining a coverage ratio of 1.28%. Non-interest income decreased by 12.4% compared to the prior year, while noninterest expense decreased by 1.5%. The board announced a $0.01 increase in the quarterly dividend to $0.22 per share, and 221,760 shares were repurchased. Guidance for 2025 remains consistent, with fee income growth expected in the 4% to 6% range. The company targets a loan-to-deposit ratio of 95% to 105% over time, and potential stock buybacks will be considered based on excess capital and regulatory capital projections.

Solid Start to Fiscal Year 2025

Univest Financial Corporation reported net income of $22.4 million for the first quarter, or $0.77 per share, indicating a strong start to the fiscal year despite economic uncertainties.

Improved Net Interest Margin

The net interest margin improved to 3.09% during the quarter from 2.88% in the previous quarter, reflecting better loan pricing discipline.

Increase in Quarterly Dividend

The Board of Directors announced a $0.01 increase in the quarterly dividend to $0.22 per share.

Continued Share Repurchases

Univest repurchased 221,760 shares of stock during the quarter and plans to continue share buybacks.

Strong Credit Quality

Credit quality remained strong with non-performing assets to total assets at 43 basis points and net charge-offs low at 10 basis points annualized.

Univest Of Pennsylvania (UVSP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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UVSP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 23, 2025	2025 (Q2)	0.68 / -	0.62	―	―	―
Apr 23, 2025	2025 (Q1)	0.64 / 0.77	0.69	11.59% (+0.08)	―
Jan 22, 2025	2024 (Q4)	0.57 / 0.65	0.55	18.18% (+0.10)	―
Oct 23, 2024	2024 (Q3)	0.54 / 0.63	0.58	8.62% (+0.05)	―
Jul 24, 2024	2024 (Q2)	0.51 / 0.62	0.57	8.77% (+0.05)
Apr 24, 2024	2024 (Q1)	0.51 / 0.69	0.71	-2.82% (-0.02)	―
Jan 24, 2024	2023 (Q4)	0.47 / 0.55	0.81	-32.10% (-0.26)	―
Oct 25, 2023	2023 (Q3)	0.55 / 0.58	0.71	-18.31% (-0.13)	―
Jul 26, 2023	2023 (Q2)	0.59 / 0.57	0.45	26.67% (+0.12)	―
Apr 26, 2023	2023 (Q1)	0.75 / 0.71	0.68	4.41% (+0.03)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

UVSP Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 23, 2025	$28.24	$29.17	+3.29%
Jan 22, 2025	$29.53	$29.44	-0.30%
Oct 23, 2024	$26.67	$27.68	+3.79%
Jul 24, 2024	$26.64	$27.34	+2.63%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Univest Corporation Of Pennsylvania (UVSP) report earnings?

Univest Corporation Of Pennsylvania (UVSP) is schdueled to report earning on Jul 23, 2025, After Close (Confirmed).

What is Univest Corporation Of Pennsylvania (UVSP) earnings time?

Univest Corporation Of Pennsylvania (UVSP) earnings time is at Jul 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is UVSP EPS forecast?

UVSP EPS forecast for the fiscal quarter 2025 (Q2) is 0.68.

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