Univest Financial Reports 21.5% Net Income Growth in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 17h ago
0mins
Source: seekingalpha
- Net Income Growth: Univest achieved a net income of $22.7 million in Q4 2025, translating to $0.79 per share, which marks a 21.5% increase compared to Q4 2024, resulting in a record annual EPS of $3.13, reflecting significant improvement in profitability.
- Loan Growth and Asset Quality Improvement: Loan outstandings rose by $129.3 million, with nonaccrual loans declining by 20 basis points to 0.2%, and nonperforming assets decreasing to 0.45%, indicating effective management of loan quality and enhancing market confidence.
- Share Repurchase Program: The company repurchased approximately 480,000 shares at an average cost of $32.17 per share in 2025, with a target of $10 million to $12 million in quarterly repurchases for 2026, demonstrating a commitment to shareholder returns.
- Future Outlook: Management projects loan growth of approximately 2% to 3% and net interest income growth of 4% to 6% for 2026, while maintaining credit loss provisions in the range of $11 million to $13 million, showcasing a cautiously optimistic view of the market environment ahead.
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Analyst Views on UVSP
Wall Street analysts forecast UVSP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UVSP is 34.00 USD with a low forecast of 34.00 USD and a high forecast of 34.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 33.420
Low
34.00
Averages
34.00
High
34.00
Current: 33.420
Low
34.00
Averages
34.00
High
34.00
About UVSP
Univest Financial Corporation is a bank holding company for Univest Bank and Trust Co. (the Bank). 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. Its segments include Banking, Wealth Management and Insurance. The Banking segment provides financial services to individuals, businesses, municipalities and non-profit organizations. These services include a full range of banking services such as deposit taking, loan origination and servicing, mortgage banking, other general banking services and equipment lease financing. The Wealth Management segment offers investment advisory, financial planning and trust and brokerage services. The Insurance segment includes a full-service insurance brokerage agency offering commercial property and casualty insurance, employee benefit solutions, personal insurance lines and human resources consulting.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Univest Financial Reports 21.5% Net Income Growth in Q4 2025
- Net Income Growth: Univest achieved a net income of $22.7 million in Q4 2025, translating to $0.79 per share, which marks a 21.5% increase compared to Q4 2024, resulting in a record annual EPS of $3.13, reflecting significant improvement in profitability.
- Loan Growth and Asset Quality Improvement: Loan outstandings rose by $129.3 million, with nonaccrual loans declining by 20 basis points to 0.2%, and nonperforming assets decreasing to 0.45%, indicating effective management of loan quality and enhancing market confidence.
- Share Repurchase Program: The company repurchased approximately 480,000 shares at an average cost of $32.17 per share in 2025, with a target of $10 million to $12 million in quarterly repurchases for 2026, demonstrating a commitment to shareholder returns.
- Future Outlook: Management projects loan growth of approximately 2% to 3% and net interest income growth of 4% to 6% for 2026, while maintaining credit loss provisions in the range of $11 million to $13 million, showcasing a cautiously optimistic view of the market environment ahead.
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Univest Financial Declares Quarterly Dividend
- Quarterly Dividend Announcement: Univest Financial declares a quarterly dividend of $0.22 per share, payable on February 25, demonstrating the company's ongoing commitment to stable cash flow and shareholder returns.
- Earnings Beat: The company reports a GAAP EPS of $0.79, exceeding expectations by $0.02, indicating a strengthening profitability that may attract more investor interest.
- Revenue Growth: Univest Financial's revenue of $84.57 million surpasses market expectations by $2.03 million, reflecting strong operational performance in the current economic environment.
- Dividend Yield: The forward yield of 2.63% not only provides shareholders with a steady cash flow but also enhances the company's attractiveness among investors.
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