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Sep 30
Univest Q3 2025 Earnings Report
Univest Financial Corporation reported its third quarter 2025 earnings, with net income and diluted EPS increasing significantly compared to the prior year.
Key Takeaways
Univest Financial Corporation delivered a strong third quarter in 2025, with net income rising to $25.6 million and diluted earnings per share reaching $0.89, up from $18.6 million and $0.63 respectively in the same period last year. The increase was primarily driven by higher net interest income and a notable increase in bank-owned life insurance income due to death benefit claims. The company also saw growth in total assets and deposits.
Net income for Q3 2025 increased to $25.6 million, up from $18.6 million in Q3 2024.
Diluted earnings per share rose to $0.89 in Q3 2025, compared to $0.63 in Q3 2024.
Net interest income grew by 15.3% to $61.3 million in Q3 2025, driven by higher loan balances and yields, and reduced cost of funds.
Total assets reached approximately $8.6 billion and total deposits increased by 5.3% from September 30, 2024.
Univest
Univest
Univest Revenue by Segment
Revenue by Segment
Trust fee income Revenue
CapyFin.comService charges on deposit accounts Revenue
CapyFin.comInvestment advisory commission and fee income Revenue
CapyFin.comInsurance commission and fee income Revenue
CapyFin.comOther service fee income Revenue
CapyFin.comBank owned life insurance income Revenue
CapyFin.comNet gain on mortgage banking activities Revenue
CapyFin.comOther income Revenue
CapyFin.com Forward Guidance
The report does not contain explicit forward-looking guidance in terms of specific financial targets or outlook. However, it mentions general risk factors that could affect future performance.
Positive Outlook
- The Corporation's ability to enter into new markets successfully and capitalize on growth opportunities.
- Potential for continued growth in net interest income due to effective interest rate management.
- Strong capital ratios provide a solid foundation for future operations and potential expansion.
- Increased deposits indicate a healthy funding base for lending activities.
- Strategic share repurchases demonstrate confidence in the company's valuation and commitment to shareholder returns.
Challenges Ahead
- Competition and demand for financial services in the market area could impact growth.
- Inflation and/or changes in interest rates may adversely affect margins, yields, loan originations, and operating costs.
- Changes in asset quality, prepayment speeds, loan sale volumes, charge-offs, and/or credit loss provisions could negatively impact profitability.
- Fluctuations in real estate values and market conditions pose risks to loan portfolios.
- Legislative, regulatory, accounting, or tax changes could increase compliance costs or restrict operations.