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Univest Corporation Of Pennsylvania (UVSP)
NASDAQ:UVSP
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.78Last Year’s EPS
0.77Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated several clear positives: record full-year EPS, strong Q4 loan growth, improved core NIM, stable asset quality metrics, and an active share repurchase program. Offsetting items include Q4 deposit outflows driven by public funds seasonality, reported NIM compression from excess liquidity, elevated provisions guidance for 2026, and some expense and deposit-competition pressures. Management provided detailed 2026 guidance (2%–3% loan growth, 4%–6% NII growth, $11M–$13M provision, 3%–5% expense growth) and actions to deploy liquidity and pursue deposit initiatives, suggesting confidence in execution despite near-term headwinds.Company Guidance
Record EPS and Strong Q4 Earnings
Q4 net income of $22.7 million, $0.79 diluted EPS, a 21.5% increase versus Q4 2024; record full-year EPS of $3.13 for 2025.
Quarterly Loan Growth Acceleration
Loans grew $129.3 million in Q4 (7.6% annualized); full-year 2025 loan growth was $88.2 million or 1.3%.
Improved Core Margin and NII Base
Core NIM (excluding excess liquidity) rose 4 basis points in Q4 to 3.37%; net interest income for 2025 totaled $240.2 million with guidance for NII growth of ~4%–6% in 2026 assuming modest rate cuts.
Asset Quality Improvements
Nonaccrual loans to total loans declined 20 basis points to 0.2%; nonperforming assets to total assets declined 16 basis points to 0.45%; coverage ratio stable at 1.28% and Q4 net charge-offs were $1.1 million (7 bps annualized).
Active Capital Return via Buybacks
Repurchased ~480,000 shares in Q4 at an average cost of $32.17; repurchased 1.1 million shares in 2025 at $30.75 average (3.9% of shares outstanding as of 12/31/24). Board approved an additional 2 million share authorization; 2.3 million shares available as of 12/31/25 and targeting $10M–$12M of repurchases per quarter in 2026.
Positive Full-Year Deposit Growth
Despite Q4 outflows, total deposits for full-year 2025 grew $328.1 million or 4.9%.
UVSP Earnings History
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 |
|---|---|---|---|
Jan 28, 2026 | $33.42 | $32.72 | -2.09% |
Oct 22, 2025 | $29.62 | $29.47 | -0.51% |
Jul 28, 2025 | $29.26 | $29.02 | -0.82% |
Apr 23, 2025 | $27.82 | $28.73 | +3.27% |
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 Apr 29, 2026, After Close (Confirmed).
What is Univest Corporation Of Pennsylvania (UVSP) earnings time?
Univest Corporation Of Pennsylvania (UVSP) earnings time is at Apr 29, 2026, 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 2026 (Q1) is 0.78.