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Univest Financial Corporation UVSP Q4 2025 Annual earnings

Reported January 28, 2026 · After market close

Revenue$84.6MBeat by $2.0M
EPS$0.79Beat by $0.01
Revenue estimate$82.5M
EPS estimate$0.78

Next report

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

Financials

Q4 2025

Income statement

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Revenue$84.6M+10.1%
Net income$22.7M+20.1%
EPS (diluted)$0.79+23.4%

Balance sheet

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Cash & equivalents$553.7M+68.4%
Total debt$252.9M-5.5%
Total equity$943.3M+6.3%
Total assets$8.4B+3.8%

Cash flow

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Operating cash flow$30.7M+9.4%
CapEx$670.0K+5.2%
Free cash flow$30.0M+9.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$932.29M+8.8%
Enterprise value$631.52M-20.7%
P/E10.3×-1.0×
P/S2.8×0.0×

Profitability

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Net margin27.7%+2.3pp
FCF margin29.5%+4.1pp

Returns & leverage

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Return on equity9.9%+1.1pp
Debt / equity0.3×0.0×

Segments

By product

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Investment advisory commission and fee income$6.1M+11.0%
Other service fee income$2.7M-23.2%
Trust fee income$2.3M+2.3%
Service charges on deposit accounts$2.2M+2.1%

By segment

See full
Banking1$73.5M-71.1%
Wealth Management$8.5M-72.9%
Insurance$4.8M-78.8%

Versus estimates

Revenue

Q2 2026$84.4MMiss by $2.3MQ1 2026$87.5MBeat by $3.1M
Q4 2025$84.6MBeat by $2.0M
Q3 2025$83.2MBeat by $1.5MQ2 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 $0.12
Q4 2025$0.79Beat by $0.01
Q3 2025$0.89Beat by $0.18Q2 2025$0.69Miss by $0.02Q1 2025$0.77Beat by $0.13

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Questions, answered.

When did Univest Financial Corporation report Q4 2025 earnings?
Univest Financial Corporation (UVSP) reported Q4 2025 earnings on January 28, 2026 after market close.
What were Univest Financial Corporation's Q4 2025 revenue and EPS?
Univest Financial Corporation reported revenue of $84.6M and eps of $0.79 for Q4 2025.
Did Univest Financial Corporation beat estimates in Q4 2025?
Revenue beat the consensus estimate of $82.5M by $2.0M. EPS beat the consensus estimate of $0.78 by $0.01.
How did Univest Financial Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.1% from $76.8M a year earlier and eps grew 21.5% from $0.65.
Where can I find Univest Financial Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000102212-26-000005) and the 10-K periodic report (0000102212-26-000012) directly on SEC EDGAR. The filing index links above go to sec.gov.