NASDAQ$UVSP

Univest Financial Corporation · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Reported a decrease in net income and diluted earnings per share compared to the same quarter last year, while also announcing expansion into new markets and progress in digital transformation.

Univest Financial Corporation reported a net income of $20.3 million, or $0.68 diluted earnings per share, for the quarter ended March 31, 2022. This compares to a net income of $32.6 million, or $1.11 diluted earnings per share, for the quarter ended March 31, 2021. The corporation announced expansion into two new markets and continued development of a comprehensive digital platform.

  • Net income for Q1 2022 was $20.3 million, or $0.68 diluted earnings per share, down from $32.6 million, or $1.11 diluted earnings per share, in Q1 2021.
  • Expansion into Western Pennsylvania and Maryland markets with the hiring of Market Presidents.
  • Development of a comprehensive digital platform is underway, with an expected launch by the end of Q1 2023, incurring $779 thousand in expenses this quarter.
  • Increased quarterly cash dividend by 5% to $0.21 per share and intends to repurchase approximately 150,000 shares per quarter.

Headline financials

Total Revenue

$0.00

Previous: $0.00
EPS (adj)

$0.68

Previous: $1.11-38.7%
Efficiency Ratio

67.0%

Previous: 57.0%+17.5%
Net Interest Margin

2.9%

Previous: 3.1%-7.4%
Tier 1 Leverage Ratio

9.3%

Previous: 9.4%-1.1%
CET1 Capital Ratio

11.1%

Previous: 11.1%-0.1%
Total Risk-Based Capital

13.7%

Previous: 15.1%-9.3%
Free Cash Flow

$20.3M

Previous: $32.6M-37.7%
Net Income

$20.3M

Previous: $32.6M-37.7%
Operating Income

-$18.2M

Previous: -$25.8M+29.7%
Gross Profit

-$3.45M

Previous: -$11.3M+69.4%
Cash & Equivalents

$774M

Previous: $187M+313.1%
Total Assets

$7.11B

Previous: $6.42B+10.8%
Stock-Based Comp

$934K

Previous: $874K+6.9%

Revenue & EPS history

Univest · Revenue · Quarterly

$0

Q1 2022
Beat estimate in 5 of 16 quarters(31%)
ActualEstimate

Revenue by segment

Univest · $18.7M total across 8 segments · Q3 2023

  • Insurance Fees
    $4.85M
  • Investment Advisory
    $4.84M
  • Other Service Fees
    $3.02M
  • Trust Fee Income
    $1.91M
  • Deposit Service Charges
    $1.82M
  • Mortgage Banking Gains
    $1.22M
  • BOLI Income
    $806K
  • Other Income
    $228K

Forward guidance

Univest has not provided specific forward guidance in this earnings report.

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 2022

Historical avgQ1 2022

+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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