Key Highlights

  • Consensus EPS of 0.98 compares with second-quarter diluted EPS of 0.82, against 0.69 a year earlier.
  • Consensus revenue of USD 90.55 million compares with second-quarter revenues of USD 84,354 thousand, against USD 81,042 thousand.
  • Tax-equivalent net interest margin was 3.49% against 3.20%, and net interest income was USD 66,248 thousand against USD 59,541 thousand.
  • Noninterest income was USD 18.1 million, down 15.8%, and the provision for credit losses was USD 2,672 thousand.

Univest Financial (NASDAQ:UVSP) reports third-quarter results on Wednesday, Oct. 28, after the market closes. Consensus stands at EPS of 0.98 on revenue of USD 90.55 million, and the company has a market capitalization of USD 1.17 billion.

Univest Financial is a bank holding company that operates through a bank subsidiary. Second-quarter net interest income was USD 66,248 thousand against USD 59,541 thousand, and net income was USD 22,953 thousand against USD 19,978 thousand.

Estimates Against the Last Reported Quarter

The EPS estimate of 0.98 is above the second-quarter diluted EPS of 0.82, which compared with 0.69 a year earlier. The estimates table does not state its EPS basis. The revenue estimate of USD 90.55 million is above the USD 84,354 thousand of revenues reported, and the estimates table does not state its revenue basis.

Interest and dividend income was USD 108,129 thousand against USD 105,706 thousand. Basic EPS was 0.83 against 0.69, and the dividend declared was 0.23 per share against 0.22.

What the Filing Gives and What the Sources Leave Open

The sources supplied include no earnings call transcript or published guidance, so there are no management ranges to set against the estimates. The filing carries no third-quarter figures.

The filing states that noninterest income decreased USD 3.4 million, or 15.8%, and that the net loss on the sale and write-down of other real estate owned increased USD 5.2 million. It reports that the company and the bank were in compliance with capital requirements at June 30, 2026.

Net Interest Margin, Loans and Deposits

Tax-equivalent net interest income was USD 66.7 million, an increase of USD 6.8 million, or 11.3%, and the tax-equivalent net interest margin was 3.49% against 3.20%. Gross loans and leases held for investment increased USD 127.2 million, or 1.8%, from Dec. 31, 2025.

Loans and leases held for investment were USD 7,041,957 thousand against USD 6,914,804 thousand, and the allowance for credit losses was USD 89,967 thousand against USD 88,165 thousand. Total deposits were USD 6,933,008 thousand against USD 7,087,313 thousand.

Expense Lines, Funding and Cash

Noninterest expense was USD 53,124 thousand against USD 50,332 thousand, and income before income taxes was USD 28,558 thousand against USD 25,016 thousand. Noninterest income was USD 18,106 thousand against USD 21,501 thousand.

Cash and cash equivalents were USD 195,325 thousand against USD 553,712 thousand at year end, and FHLB advances were USD 125,000 thousand against USD 200,000 thousand. The provision for credit losses was USD 2,672 thousand against USD 5,694 thousand, and net income was USD 22,953 thousand against USD 19,978 thousand. The estimates table lists a market capitalization of USD 1.17 billion.

Items to Track in the Report

Reported EPS against 0.98 and revenue against USD 90.55 million are the headline comparisons. Other markers are net interest margin, noninterest income and credit provisions.