The earnings call presented a mixed outlook. While there were positive developments in net interest margin and noninterest income growth, challenges such as contraction in loan outstandings, deposit decreases, and significant net charge-offs posed concerns. The sentiment is balanced with both positive and negative aspects.

Company Guidance -

Q3 2025

During the second quarter of 2025, Univest Financial Corporation reported net income of $20 million or $0.69 per share. Despite a contraction in loan outstandings of $31.9 million during the quarter, year-to-date commercial loan production reached $507 million, surpassing the previous year's $402 million. Deposits experienced a $75.8 million decline, attributed mainly to seasonal drops in public funds and broker deposits, though an increase of $77.5 million was noted when excluding these declines. Net charge-offs amounted to $7.8 million, largely due to a single credit relationship. The net interest margin (NIM) increased to 3.2% from 3.09% in the previous quarter, and core NIM, excluding excess liquidity impact, rose by 12 basis points. Noninterest income grew by 2.5% compared to the second quarter of 2024, while noninterest expenses increased by 3.3%, driven by compensation costs. Univest's guidance for 2025 projects loan growth of 1% to 3% and net interest income growth of 10% to 12% compared to 2024. Noninterest income is expected to grow by 1% to 3%, and noninterest expenses are projected to increase by 2% to 4%. The provision for credit loss guidance remains at $12 million to $14 million, with income tax guidance unchanged at 20% to 20.5%. The overall guidance updates are expected to be accretive to both EPS and PPNR.

Increase in Net Interest Margin

Reported NIM increased to 3.2%, rising by 11 basis points from the previous quarter due to increased yields on assets and a reduction in the cost of funds. Core NIM expanded by 12 basis points to 3.24%.

Growth in Noninterest Income

Noninterest income increased by $521,000 or 2.5% compared to the second quarter of 2024, driven by increases in investment management fees, gains on sale of SBA loans, and treasury management fees.

Solid Loan Production

Year-to-date commercial loan production through June 30 was $507 million compared to $402 million in the prior year, indicating a strong demand for loans.

Guidance for Net Interest Income Growth

For the full year, Univest expects net interest income growth of 10% to 12% compared to 2024.

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

Daily Earnings Calendar >

UVSP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.73 / -	0.63	―	―	―
Jul 23, 2025	2025 (Q2)	0.69 / 0.69	0.62	11.29% (+0.07)	―
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)	―

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
Jul 23, 2025	$31.56	$29.61	-6.18%
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%

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 Oct 22, 2025, After Close (Confirmed).

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

Univest Corporation Of Pennsylvania (UVSP) earnings time is at Oct 22, 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 (Q3) is 0.74.

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