The earnings call presented a mixed sentiment, with strong commercial loan production and improved net interest margin. However, this was offset by contraction in loan outstandings, significant net charge-offs, and a decline in deposits. The company's active capital management through share buybacks and healthy capital levels provide some positive outlook, but challenges remain in managing loan growth and expenses.

Company Guidance

During the Univest Financial Corporation's Second Quarter 2025 Earnings Call, guidance was provided for the remainder of the fiscal year. Univest expects a loan growth of approximately 1% to 3% and net interest income growth of 10% to 12% compared to 2024. The provision for credit losses is anticipated to remain between $12 million to $14 million, driven by factors like loan growth and economic conditions. Noninterest income is projected to increase by 1% to 3% from an $84.5 million base, while noninterest expenses are expected to grow by 2% to 4%. The income tax rate is anticipated to stay within 20% to 20.5%. The company also noted that despite the competitive deposit environment, it plans to continue its share buyback strategy as a means of capital deployment.

Strong Commercial Loan Production

Year-to-date commercial loan production reached $507 million compared to $402 million in the prior year, indicating robust loan origination activity.

Net Interest Margin Improvement

The reported Net Interest Margin (NIM) increased by 11 basis points to 3.2% from 3.09% in the prior quarter, driven by increased yields on assets and reduced cost of funds.

Noninterest Income Growth

Noninterest income increased by $521,000 or 2.5% compared to the second quarter of 2024, driven by gains in investment management fees and SBA loan sales.

Healthy Capital Levels and Active Share Buybacks

The company maintained healthy capital levels and indicated ongoing active share buybacks, with an earn-back period within a 2- to 3-year range.

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
Oct 22, 2025	2025 (Q3)	0.76 / -	0.63	―	―	―
Jul 28, 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 28, 2025	$29.48	$29.24	-0.81%
Apr 23, 2025	$28.02	$28.95	+3.32%
Jan 22, 2025	$29.30	$29.21	-0.31%
Oct 23, 2024	$26.46	$27.46	+3.78%

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 0.76.

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