Univest Corporation Of Pennsylvania (UVSP)
NASDAQ:UVSP
Want to see UVSP full AI Analyst Report?
Earnings Data
Report Date
Jul 29, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.82Last Year’s EPS
0.69Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted strong underlying operating performance: robust EPS growth (24.7%), NIM expansion, improved ROAA and efficiency, disciplined credit metrics, and active capital return via dividend increase and sizeable buybacks. Key challenges include rising noninterest expenses driven by medical claims and restructuring, heightened competition in certain lending segments, limited near-term deposit cost relief, and monitored macro risks (fuel/fertilizer impacts on ag credits). Management maintained constructive 2026 guidance (loan growth 2%-3%, NII growth 5%-7%) and continues to prioritize buybacks while remaining opportunistic on M&A.Company Guidance
Strong Earnings and EPS Growth
Net income of $27.1 million and EPS of $0.96 for Q1 2026, representing a 24.7% increase in EPS versus Q1 2025.
Improved Profitability Metrics
Return on average assets (ROAA) improved to 1.33% for the quarter; efficiency ratio improved, declining 190 basis points versus Q1 2025, indicating better operating leverage.
Net Interest Margin Expansion
Reported NIM expanded 23 basis points to 3.33% in the quarter; core NIM (excess liquidity) was 3.44%, up 7 basis points from Q4 2025.
Capital Return to Shareholders
Quarterly dividend increased 4.5% to $0.23 per share and the company repurchased 351,138 shares (management referenced roughly $12 million of repurchases during the quarter), with continued commitment to buybacks.
Noninterest Income Growth
Noninterest income rose $1.7 million (7.5%) versus Q1 2025; excluding BOLI death benefits, noninterest income increased $2.3 million (11%), driven by investment advisory, insurance, servicing-related fees, risk participation and swap-related fee income. Mortgage banking revenue increased modestly.
Strong Credit Metrics
Provision for credit losses was $1.3 million; nonperforming loans and leases were ~0.25% of total loans; allowance for credit losses was 1.28% of loans held for investment; net charge-offs were $1.3 million (7 bps annualized).
Loan Pipeline and Pricing
Solid loan pipeline into Q2 with commercial loan growth of $23 million in Q1 despite fewer commitments; new commercial loan pricing in the mid-6% range, with strong margins in construction lending.
Updated 2026 Financial Outlook
Maintained guidance for loan growth of approximately 2%-3%, provisioning of $11M-$13M, noninterest expense growth ~6%-8% (with a lower 3%-5% range excluding BOLI), updated net interest income growth outlook of 5%-7% for the year, and an effective tax rate of 20%-21%.
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 |
|---|---|---|---|
Apr 22, 2026 | $36.73 | $37.51 | +2.12% |
Jan 28, 2026 | $33.21 | $32.51 | -2.10% |
Oct 22, 2025 | $29.43 | $29.28 | -0.50% |
Jul 28, 2025 | $29.08 | $28.84 | -0.81% |
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 29, 2026, After Close (Confirmed).
What is Univest Corporation Of Pennsylvania (UVSP) earnings time?
Univest Corporation Of Pennsylvania (UVSP) earnings time is at Jul 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 (Q2) is 0.82.