Univest Financial Corporation provided earnings guidance for the year 2020. For the year, the company expects more normalized growth in non interest income of 3% to 3.5% in 2020, off of the elevated level from 2019. The non interest expense growth of approximately 5.5% to 6% in 2020. This includes the carryover impact of team lift-outs and investments in revenue producers and technology, which were made during 2019. The company expects effective tax rate to be approximately 18% to 18.5% for 2020.