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Univest Financial Corporation UVSP Provision for Credit Losses

Provision for Credit Losses at other companies

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$1.25M+6.8%

Segments

By segment

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Banking1$2.67M-53.1%
Insurance$0
Wealth Management$0

Other financials

Income statement

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Revenue$84.4M+4.1%
Net income$23.0M+14.9%
EPS (diluted)$0.82+18.8%

Balance sheet

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Cash & equivalents$195.3M+21.8%
Total debt$70.7M-48.2%
Total equity$954.3M+4.1%
Total assets$8.2B+3.3%

Cash flow

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Operating cash flow$24.0M+3.1%
CapEx$1.1M-20.7%
Free cash flow$22.9M+4.5%

Valuation

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Market cap$1.18B+42.9%
Enterprise value$1.06B+31.7%
P/E12×+1.7×
P/S3.5×+0.8×

Profitability

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Net margin29%+3.2pp
FCF margin31.2%-1.5pp

Returns & leverage

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Return on equity10.5%+1.5pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by Univest Financial Corporation in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The source filing: Univest Financial Corporation’s 10-Q, filed July 28, 2026.

Filed
Jul 28, 2026, 2:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000102212-26-000037
(Dollars in thousands, except per share data)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Interest on long-term debt and subordinated notes3,0844,4096,9259,051
Total interest expense41,88146,16584,86792,800
Net interest income66,24859,541129,613116,322
Provision for credit losses2,6725,6943,9758,005
Net interest income after provision for credit losses63,57653,847125,638108,317
Noninterest income
Trust fee income2,2832,1464,5194,307
Service charges on deposit accounts2,3632,2584,6424,452

Item 1. Financial Statements (Unaudited)

FAQ

What is Univest Financial Corporation's provision for credit losses?
Univest Financial Corporation (UVSP) reported provision for credit losses of $2.67M in Q2 2026.
How has Univest Financial Corporation's provision for credit losses changed year-over-year?
Univest Financial Corporation's provision for credit losses decreased by 53.1% year-over-year, from $5.69M to $2.67M.
What is the long-term trend for Univest Financial Corporation's provision for credit losses?
Over 3 years (2022 to 2025), Univest Financial Corporation's provision for credit losses has grown at a -1.5% compound annual growth rate (CAGR), from $12.2M to $11.67M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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