NASDAQ$UVSP

Univest Financial Corporation · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Announced first quarter results with significant increase in net income and earnings per share compared to the same period last year.

Univest Financial Corporation reported a strong first quarter with net income of $32.6 million, a substantial increase from the $838 thousand reported in the first quarter of 2020. Diluted earnings per share rose to $1.11, significantly up from $0.03 in the prior year. The corporation benefited from PPP loan income, increased noninterest income, and a reversal of provision for credit losses.

  • Net income reached $32.6 million, or $1.11 diluted earnings per share.
  • Pre-tax pre-provision income increased by 31.9% to $29.1 million.
  • Net interest income rose by 6.9% to $45.4 million, driven by PPP income and decreased cost of liabilities.
  • Noninterest income increased by 26.5% to $23.3 million, boosted by mortgage banking activities.

Headline financials

Total Revenue

$0.00

Previous: $0.00
EPS (adj)

$1.11

Previous: $0.03+3600.0%
Efficiency Ratio

57.0%

Previous: 64.1%-11.1%
Net Interest Margin

3.1%

Previous: 3.5%-10.3%
Tier 1 Leverage Ratio

9.4%

No prior period
CET1 Capital Ratio

11.1%

No prior period
Total Risk-Based Capital

15.1%

No prior period
Free Cash Flow

$32.6M

Previous: $838K+3790.6%
Net Income

$32.6M

Previous: $838K+3790.6%
Operating Income

-$25.8M

Previous: -$39.3M+34.2%
Gross Profit

-$11.3M

Previous: -$21M+46.4%
Cash & Equivalents

$187M

Previous: $183M+2.4%
Total Assets

$6.42B

Previous: $5.46B+17.4%
Stock-Based Comp

$874K

Previous: $435K+100.9%

Revenue & EPS history

Univest · Revenue · Quarterly

$0

Q1 2021
Beat estimate in 4 of 16 quarters(25%)
ActualEstimate

Revenue by segment

Univest · $21.2M total across 7 segments · Q1 2021

  • Mortgage Banking Gains
    $5.94M+116.4%
  • Insurance Fees
    $4.96M+4.7%
  • Investment Advisory
    $4.7M+10.4%
  • Other Service Fees
    $2.19M+17.2%
  • Other Income
    $1.37M+1944.8%
  • Deposit Service Charges
    $1.28M-8.2%
  • BOLI Income
    $717K-2.3%

Forward guidance

The press release does not contain explicit forward guidance. It mentions forward-looking statements related to trends and factors affecting the financial services industry and Univest's future results, which are subject to risks and uncertainties.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+0.4%

Avg return

Earnings day

+1.3%

Avg return

5 days after

+2.9%

Avg return

30 days after

57%

37 / 65 earnings

Positive

+6.6%

Q1 2010

Best reaction

-6.0%

Q2 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.1%+0.3%+4.6%
Q4 2025-2.1%+5.6%+0.4%
Q3 2025-0.4%+1.7%+5.0%
Q1 2025+3.3%+4.7%+3.3%
Q4 2024-0.3%+1.5%-1.0%
Q3 2024+3.4%+4.7%+15.3%
Q2 2024+1.1%+1.8%+2.1%
Q1 2024+2.8%+6.7%+12.0%
Q4 2023+2.0%+4.6%-5.3%
Q3 2023+2.2%-1.8%+11.9%
Q2 2023+0.5%-1.1%-9.3%
Q1 2023-3.4%-6.3%-12.3%
Q4 2022+3.0%+3.0%+9.7%
Q3 2022+5.1%+5.8%+5.4%
Q2 2022-6.0%-6.4%-3.1%
Q1 2022+0.8%+1.0%+3.7%
Q4 2021-4.6%-2.5%-4.7%
Q3 2021-0.4%+3.4%-1.7%
Q2 2021+2.3%-0.4%+3.3%
Q1 2021+1.7%+7.2%+6.9%
Q4 2020-1.1%-0.3%+10.1%
Q3 2020+2.9%+5.6%+27.2%
Q2 2020+2.8%-1.9%+2.1%
Q1 2020-0.4%+8.7%+0.4%
Q4 2019-3.3%-5.7%-4.9%
Q3 2019+2.2%+2.5%+1.0%
Q2 2019+4.1%+5.0%-2.4%
Q1 2019-1.3%+4.4%+1.5%
Q4 2018+5.5%+5.3%+15.7%
Q3 2018+3.3%+6.1%+6.8%
Q2 2018+1.8%-0.4%+3.4%
Q1 2018+1.9%+0.2%+3.3%
Q4 2017+0.7%-0.9%-0.9%
Q3 2017-3.5%-9.3%-9.4%
Q2 2017+0.0%+0.7%-3.1%
Q1 2017+5.9%+3.1%-2.8%
Q4 2016+0.7%-2.6%-2.9%
Q3 2016-1.3%-0.4%+18.0%
Q2 2016-3.5%-3.0%+3.1%
Q1 2016-2.2%
Q4 2015+0.3%
Q3 2015+1.8%
Q2 2015+1.0%
Q1 2015+0.4%
Q4 2014+1.8%
Q3 2014+1.7%
Q2 2014-1.7%
Q1 2014-2.0%
Q4 2013-3.2%
Q3 2013+5.0%
Q2 2013-0.1%
Q1 2013+1.0%
Q4 2012-3.8%
Q3 2012-1.9%
Q2 2012-1.4%
Q1 2011+0.7%
Q1 2012+2.4%
Q4 2009-1.2%
Q4 2010-1.2%
Q4 2011-1.2%
Q3 2010-4.7%
Q3 2011-4.7%
Q2 2011+1.4%
Q2 2010+1.4%
Q1 2010+6.6%

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