UNIVEST FINANCIAL Corp

For the period ended Dec 31, 2025. Filed Feb 23, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 23, 2026

UVSP$40.83-0.6%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Statements of Income

	For the Years Ended December 31,
(Dollars in thousands, except per share data)	2025	2024	2023
Interest income
Interest and fees on loans and leases	$397,807	$383,308	$347,918
Interest and dividends on investment securities:
Taxable	15,925	14,909	14,225
Exempt from federal income taxes	4	33	58
Interest on deposits with other banks	13,902	11,193	6,660
Interest and dividends on other earning assets	2,848	2,912	2,869
Total interest income	430,486	412,355	371,730
Interest expense
Interest on demand deposits	106,159	113,074	87,821
Interest on savings deposits	4,024	3,529	3,249
Interest on time deposits	61,838	64,266	34,979
Interest on short-term borrowings	19	249	7,095
Interest on long-term debt and subordinated notes	18,251	20,067	18,589
Total interest expense	190,291	201,185	151,733
Net interest income	240,195	211,170	219,997
Provision for credit losses	11,667	5,933	10,770
Net interest income after provision for credit losses	228,528	205,237	209,227
Noninterest income
Trust fee income	8,853	8,491	7,732
Service charges on deposit accounts	8,991	8,082	7,048
Investment advisory commission and fee income	22,799	21,208	18,864
Insurance commission and fee income	22,443	22,349	21,043
Other service fee income	10,938	14,747	12,381
Bank owned life insurance income	5,849	3,861	3,185
Net gain on sales of investment securities	—	18	—
Net gain on mortgage banking activities	3,362	5,265	3,689
Other income	4,626	4,034	2,882
Total noninterest income	87,861	88,055	76,824
Noninterest expense
Salaries, benefits and commissions	127,023	123,745	120,188
Net occupancy	11,149	11,025	10,686
Equipment	4,293	4,453	4,132
Data processing	17,425	16,956	16,799
Professional fees	7,217	6,402	7,141
Marketing and advertising	1,653	2,173	2,180
Deposit insurance premiums	4,526	4,432	4,825
Intangible expenses	469	694	938
Restructuring charges	—	—	1,519
Other expense	29,284	28,112	28,954
Total noninterest expense	203,039	197,992	197,362
Income before income taxes	113,350	95,300	88,689
Income tax expense	22,593	19,369	17,585
Net income	$90,757	$75,931	$71,104
Net income per share:
Basic	$3.16	$2.60	$2.42
Diluted	3.13	2.58	2.41

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.