About Univest Financial Corporation
Univest Financial Corporation (NASDAQ: UVSP), including its wholly-owned subsidiary Univest Bank and Trust Co., Member FDIC, has approximately $8.4 billion in assets and $5.9 billion in assets under management and supervision through its Wealth Management lines of business at December 31, 2025. Headquartered in Souderton and founded in 1876, the company and its subsidiaries provide a full range of financial solutions for individuals, businesses, municipalities and nonprofit organizations primarily in the Mid-Atlantic region. Univest delivers these services through a network of more than 50 offices and online at www.univest.net.
Key Financial Results for Q4 2025 and FY 2025
Net income was $22.7 million for the quarter ended December 31, 2025, up from $18.9 million in Q4 2024. Diluted EPS was $0.79 vs. $0.65 in Q4 2024, a 21.5% increase. Full year 2025 net income was $90.8 million, up from $75.9 million. Diluted EPS was $3.13 vs. $2.58 in 2024.
Loans, Deposits & Liquidity
Gross loans and leases increased $129.3 million (1.9%) from September 30, 2025; also up modestly from year-end 2024. Total deposits fell slightly from Q3 to Q4 2025 but were up about 4.9% compared to December 31, 2024. Cash & equivalents were $553.7 million at year-end. Committed borrowing capacity was $3.8 billion with $2.3 billion available.
Net Interest Income & Margin
Net interest income was $62.5 million in Q4 2025, up about 12.8% from Q4 2024. Net interest margin (tax-equivalent) was 3.10%, compared with 2.88% a year earlier. Excluding excess liquidity effects, margin would be 3.37%.
Noninterest Income & Expense
Noninterest income was $22.0 million, a small increase year-over-year; investment advisory fees and other income contributed. Noninterest expenses was $52.7 million, up about 4.1%, with higher compensation and professional fees.
Asset Quality & Credit
Nonperforming assets were $37.8 million at Dec. 31, 2025 (higher than end of 2024). Net charge-offs were $1.1 million for the quarter. Provision for credit losses was $3.1 million.
Dividend and Share Repurchases
On January 28, 2026, Univest declared a quarterly cash dividend of $0.22 per share to be paid on February 25, 2026 to shareholders of record as of February 11, 2026. During the quarter ended December 31, 2025, the Corporation repurchased 479,690 shares of common stock at an average price of $31.82 per share. Including brokerage fees and excise tax, the average cost per share was $32.17. As of December 31, 2025, 2,270,937 shares are available for repurchase under the Share Repurchase Plan.