UVSP · Univest Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $328.06M | $299.23M | - | - | $0 | $0 |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $113.35M | $95.30M | $88.69M | $97.21M | $56.90M | $56.90M |
| Interest Expense | - | - | $151.73M | $33.90M | $21.35M | $29.58M |
| Income Tax | $22.59M | $19.37M | $17.59M | $19.09M | $22.53M | $9.98M |
| Net Income | $90.76M | $75.93M | $71.10M | $78.12M | $91.80M | $46.92M |
| EPS - Basic | $3.16 | $2.60 | $2.42 | $2.66 | $3.12 | $1.60 |
| EPS - Diluted | $3.13 | $2.58 | $2.41 | $2.64 | $3.11 | $1.60 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $553.71M | $328.84M | $249.80M | $152.80M | $890.15M | $219.86M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $8.44B | $8.13B | $7.78B | $7.22B | $7.12B | $6.34B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $7.49B | $7.24B | $6.94B | $6.45B | $6.35B | $5.64B |
| Stockholders' Equity | $943.32M | $887.30M | $839.21M | $776.50M | $773.79M | $692.47M |
| Retained Earnings | $591.20M | $525.78M | $474.69M | $428.64M | $375.12M | $306.90M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $101.51M | $75.11M | $89.74M | $109.45M | $102.34M | $51.18M |
| Investing Cash Flow | ($83.68M) | ($259.74M) | ($454.44M) | ($897.61M) | ($126.78M) | ($867.39M) |
| Financing Cash Flow | $207.04M | $263.68M | $461.69M | $50.81M | $694.73M | $910.94M |
| CapEx | $4.58M | $3.10M | $6.72M | $5.22M | $5.88M | $3.75M |
| Free Cash Flow | $96.93M | $72.00M | $83.02M | $104.23M | $96.46M | $47.43M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 34.6% | 31.8% | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 27.7% | 25.4% | - | - | - | - |
| Free cash flow margin | 29.5% | 24.1% | - | - | - | - |
| FCF / Net income | 1.07 | 0.95 | 1.17 | 1.33 | 1.05 | 1.01 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 19.9% | 20.3% | 19.8% | 19.6% | 19.7% | 17.5% |
| Return on assets | 1.1% | 0.9% | 0.9% | 1.1% | 1.3% | 0.7% |
| Return on equity | 9.6% | 8.6% | 8.5% | 10.1% | 11.9% | 6.8% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.6x | 2.9x | 2.7x | 1.9x |
| Equity multiplier | 8.94 | 9.16 | 9.27 | 9.30 | 9.20 | 9.15 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||
| Asset turnover | 0.04 | 0.04 | - | - | 0.00 | 0.00 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.5x | 11.4x | 9.1x | 9.9x | 9.6x | 12.9x |
| P / B | 1.0x | 1.0x | 0.8x | 1.0x | 1.1x | 0.9x |
| P / S | 2.9x | 2.9x | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 9.6% | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 18.9% | 7.5% | -8.8% | 70.9% | 0.0% | -28.9% |
| Net income growth (YoY) | 19.5% | 6.8% | -9.0% | -14.9% | 95.7% | -28.6% |
| EPS growth (YoY) | 21.3% | 7.1% | -8.7% | -15.1% | 94.4% | -28.6% |
| EPS CAGR (3y) | 5.8% | -6.0% | 14.6% | 5.6% | 21.8% | -0.8% |
| EPS CAGR (5y) | 14.4% | 2.9% | 7.0% | 10.0% | 29.9% | 2.9% |
| FCF growth (YoY) | 34.6% | -13.3% | -20.4% | 8.1% | 103.4% | -32.9% |
| FCF CAGR (5y) | 15.4% | 0.4% | 0.0% | 10.0% | 36.1% | 9.8% |
| Book value growth (YoY) | 6.3% | 5.7% | 8.1% | 0.3% | 11.7% | 2.6% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$337.27M totalBanking1$282.81M · 83.9%
Wealth Management$31.98M · 9.5%
Insurance$22.48M · 6.7%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing UNIVEST FINANCIAL Corp against the 5 most active filers in the same SIC group.
Dividends
$0.89/share trailing 12 months · +4.7% YoY
| Ex-date | Per share |
|---|---|
| May 6, 2026 | $0.2300 |
| Feb 11, 2026 | $0.2200 |
| Nov 5, 2025 | $0.2200 |
| Aug 6, 2025 | $0.2200 |
| May 7, 2025 | $0.2200 |
| Feb 5, 2025 | $0.2100 |
| Nov 6, 2024 | $0.2100 |
| Aug 7, 2024 | $0.2100 |
| May 7, 2024 | $0.2100 |
| Feb 6, 2024 | $0.2100 |
| Nov 7, 2023 | $0.2100 |
| Aug 8, 2023 | $0.2100 |
| May 9, 2023 | $0.2100 |
| Feb 7, 2023 | $0.2100 |
| Nov 8, 2022 | $0.2100 |
| Aug 9, 2022 | $0.2100 |
| May 10, 2022 | $0.2100 |
| Feb 8, 2022 | $0.2000 |
| Nov 9, 2021 | $0.2000 |
| Aug 10, 2021 | $0.2000 |
| May 11, 2021 | $0.2000 |
| Feb 9, 2021 | $0.2000 |
| Sep 4, 2020 | $0.2000 |
| Jun 1, 2020 | $0.2000 |