NASDAQ$UVSP

Univest Financial Corporation · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Net income increased significantly and loan growth was strong, driven by commercial, construction, and residential mortgage loans.

Univest Financial Corporation reported a substantial increase in net income for the quarter ended June 30, 2021, reaching $20.9 million, or $0.71 diluted earnings per share, compared to $2.1 million, or $0.07 diluted earnings per share, for the same quarter in 2020. The corporation experienced strong loan growth, excluding PPP loans, with a 14.0% increase over the last twelve months. Pre-tax pre-provision income also saw a slight increase of 0.6% compared to the second quarter of 2020.

  • Net income for the quarter was $20.9 million, or $0.71 diluted earnings per share, a significant increase from $2.1 million, or $0.07 diluted earnings per share, in Q2 2020.
  • Pre-tax pre-provision income increased slightly by 0.6% compared to the second quarter of 2020.
  • Gross loans and leases, excluding PPP loans, increased by 15.4% (annualized) from March 31, 2021.
  • Total deposits increased by $7.1 million, or 0.5% (annualized), from March 31, 2021.

Headline financials

Total Revenue

$0.00

Previous: $0.00
EPS (adj)

$0.71

Previous: $0.07+914.3%
Efficiency Ratio

60.7%

Previous: 57.7%+5.2%
Net Interest Margin

3.1%

Previous: 3.2%-0.9%
Tier 1 Leverage Ratio

9.6%

Previous: 9.2%+5.4%
CET1 Capital Ratio

11.0%

Previous: 10.7%+2.9%
Total Risk-Based Capital

13.8%

Previous: 13.7%+0.7%
Free Cash Flow

$20.9M

Previous: $2.09M+901.2%
Net Income

$20.9M

Previous: $2.09M+901.2%
Operating Income

-$17.7M

Previous: -$39.1M+54.6%
Gross Profit

-$59K

Previous: -$23.7M+99.8%
Cash & Equivalents

$203M

Previous: $349M-41.6%
Total Assets

$6.36B

Previous: $6.13B+3.8%
Stock-Based Comp

$889K

Previous: $704K+26.3%

Revenue & EPS history

Univest · Revenue · Quarterly

$0

Q2 2021
Beat estimate in 4 of 16 quarters(25%)
ActualEstimate

Revenue by segment

Univest · $20.2M total across 8 segments · Q2 2021

  • Investment Advisory
    $4.56M+28.8%
  • Insurance Fees
    $3.84M-5.6%
  • Mortgage Banking Gains
    $3.46M-1.5%
  • Other Service Fees
    $2.75M+84.7%
  • Trust Fee Income
    $2.16M+12.1%
  • BOLI Income
    $1.62M+121.3%
  • Deposit Service Charges
    $1.31M+47.6%
  • Other Income
    $479K-73.1%

Forward guidance

The press release does not contain specific forward guidance. Therefore, a response is not possible.

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 Q2 2021

Historical avgQ2 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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