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Univest Financial Corporation UVSP Q3 2025 earnings

Reported October 22, 2025 · After market close

Revenue$83.2MBeat by $1.5M
EPS$0.89Beat by $0.18
Revenue estimate$81.7M
EPS estimate$0.71

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$90.4M
EPS estimate$0.95

Financials

Q3 2025

Income statement

See full
Revenue$83.2M+13.5%
Net income$25.6M+38.0%
EPS (diluted)$0.89+41.3%

Balance sheet

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Cash & equivalents$816.7M+61.8%
Total debt$141.3M+22.3%
Total equity$933.2M+6.4%
Total assets$8.6B+4.5%

Cash flow

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Operating cash flow$32.0M-17.8%
CapEx$622.0K+1.1%
Free cash flow$31.4M-18.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$864.73M+5.5%
Enterprise value$189.25M-56.0%
P/E9.9×-1.2×
P/S2.7×-0.1×

Profitability

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Net margin27.1%+2.2pp
FCF margin29.5%+3.9pp

Returns & leverage

See full
Return on equity9.6%+0.9pp
Debt / equity0.2×0.0×

Segments

By product

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Investment advisory commission and fee income$5.7M+6.6%
Other service fee income$2.4M+33.1%
Service charges on deposit accounts$2.3M+13.0%
Trust fee income$2.2M+5.7%

By segment

See full
Banking1$72.3M+12,815%
Wealth Management$8.0M+1,925%
Insurance$5.5M+4,552%

Versus estimates

Revenue

Q2 2026$84.4MMiss by $2.3MQ1 2026$87.5MBeat by $3.1MQ4 2025$84.6MBeat by $2.0M
Q3 2025$83.2MBeat by $1.5M
Q2 2025$81.0MMiss by $58.0KQ1 2025$79.2MBeat by $2.5M

Diluted EPS

Q2 2026$0.82Miss by $0.05Q1 2026$0.96Beat by $0.12Q4 2025$0.79Beat by $0.01
Q3 2025$0.89Beat by $0.18
Q2 2025$0.69Miss by $0.02Q1 2025$0.77Beat by $0.13

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Questions, answered.

When did Univest Financial Corporation report Q3 2025 earnings?
Univest Financial Corporation (UVSP) reported Q3 2025 earnings on October 22, 2025 after market close.
What were Univest Financial Corporation's Q3 2025 revenue and EPS?
Univest Financial Corporation reported revenue of $83.2M and eps of $0.89 for Q3 2025.
Did Univest Financial Corporation beat estimates in Q3 2025?
Revenue beat the consensus estimate of $81.7M by $1.5M. EPS beat the consensus estimate of $0.71 by $0.18.
How did Univest Financial Corporation's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 13.5% from $73.4M a year earlier and eps grew 41.3% from $0.63.
Where can I find Univest Financial Corporation's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000102212-25-000028) directly on SEC EDGAR. The filing index links above go to sec.gov.