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Dec 31, 2025
Univest Q4 2025 Earnings Report
Univest reported a rise in net income and EPS for Q4 2025 driven by increased net interest income and stable asset quality.
Key Takeaways
Univest Financial Corporation delivered a solid Q4 2025 performance with net income of $22.7 million and EPS of $0.79. The quarter benefited from higher net interest income and a healthy balance sheet, despite rising noninterest expenses.
Net income rose to $22.7 million, up from $18.9 million in Q4 2024.
EPS reached $0.79, driven by higher net interest income of $62.5 million.
Cash and cash equivalents totaled $553.7 million at quarter-end.
Net interest margin improved to 3.10%, up from 2.88% a year ago.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management highlighted continued momentum in loan growth, stable margin outlook, and cautious optimism about credit performance, while acknowledging challenges in deposit pricing and noninterest expense control.
Positive Outlook
- Loan balances expected to grow modestly, led by commercial real estate.
- Margin expected to remain relatively stable with slight improvement if excess liquidity declines.
- Noninterest income expected to benefit from higher advisory fees.
- Strong capital and liquidity position to support growth.
- Improved asset quality outlook with lower nonperforming assets.
Challenges Ahead
- Deposit pricing pressures may continue due to competitive market.
- Noninterest expenses expected to rise from technology and compliance investments.
- Credit costs could increase with normalization from historically low levels.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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