UVSP

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Univest Financial Corp.

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Key Metrics

Previous Close: $41.67
52-Week Range: $28.04 – $45.46
Market Cap: $1.15B
P/E (TTM): 12.07
EPS (TTM): 3.46
Dividend Yield: 2.21%

Advanced Metrics

Price/Book: 1.23
PEG Ratio: 1.30
Return on Equity: 10.52%
Return on Assets: 1.22%
Gross Margin: 0.00%
Operating Margin: 36.33%
Profit Margin: 29.84%
Current Ratio: —
Debt/Equity: —
Total Debt: $269.76M
Free Cash Flow: —
Revenue Growth: 8.40%
Earnings Growth: 18.80%
Enterprise Value: $1.22B

UVSP Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$296.18M	$296.82M	$299.23M	$328.06M
Selling, General & Admin	$121.34M	$127.19M	$130.35M	$133.20M
Pretax Income	$97.21M	$88.69M	$95.30M	$113.35M
Income Tax	$19.09M	$17.59M	$19.37M	$22.59M
Net Income	$78.12M	$71.10M	$75.93M	$90.76M
Diluted EPS	2.64	2.41	2.58	3.13
Diluted Shares	29.59M	29.50M	29.43M	29.00M

UVSP Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$152.80M	$249.80M	$328.84M	$553.71M
Receivables	$239.50M	$277.57M	$278.82M	$265.91M
Total Assets	$7.22B	$7.78B	$8.13B	$8.44B
Long-Term Debt	$243.26M	$458.76M	$374.26M	$298.87M
Total Debt	$401.41M	$493.61M	$405.75M	$327.40M
Total Liabilities	$6.45B	$6.94B	$7.24B	$7.49B
Retained Earnings	$428.64M	$474.69M	$525.78M	$591.20M
Shareholders' Equity	$776.50M	$839.21M	$887.30M	$943.32M
Net Debt	$215.46M	$208.96M	$45.42M	—

UVSP Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$109.45M	$89.74M	$75.11M	$101.51M
Capital Expenditure	-$5.22M	-$6.72M	-$3.10M	-$4.58M
Free Cash Flow	$104.23M	$83.02M	$72.00M	$96.93M
Depreciation & Amortisation	$3.77M	$4.65M	$7.47M	$6.02M
Stock-Based Compensation	$4.12M	$4.19M	$4.62M	$4.69M
Investing Cash Flow	-$897.61M	-$454.44M	-$259.74M	-$83.68M
Financing Cash Flow	$50.81M	$461.69M	$263.68M	$207.04M
Dividends Paid	-$24.61M	-$25.05M	-$24.84M	-$25.33M
Share Repurchases	-$12.28M	-$1.69M	-$19.75M	-$36.24M
Net Change in Cash	-$737.35M	$97.00M	$79.05M	$224.87M

UVSP Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$81.04M	$83.25M	$84.57M	$87.45M	—
Selling, General & Admin	$33.11M	$33.17M	$34.59M	$35.26M	—
Pretax Income	$25.02M	$32.06M	$28.72M	$33.48M	—
Income Tax	$5.04M	$6.42M	$5.97M	$6.39M	—
Net Income	$19.98M	$25.64M	$22.75M	$27.09M	—
Diluted EPS	0.69	0.89	0.79	0.96	0.82
Diluted Shares	28.86M	28.72M	28.79M	28.22M	27.99M

UVSP Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$169.13M	$160.37M	$816.74M	$553.71M	$222.36M
Receivables	$233.04M	$229.89M	$228.40M	$265.91M	$230.36M
Total Assets	$7.98B	$7.94B	$8.57B	$8.44B	$8.14B
Long-Term Debt	$324.39M	$349.51M	$329.60M	$298.87M	$273.91M
Total Debt	$354.45M	$379.62M	$358.91M	$327.40M	$301.61M
Total Liabilities	$7.07B	$7.02B	$7.64B	$7.49B	$7.19B
Retained Earnings	$541.78M	$555.40M	$574.72M	$591.20M	$611.77M
Shareholders' Equity	$903.47M	$916.73M	$933.22M	$943.32M	$951.95M
Net Debt	$155.25M	$189.15M	—	—	$51.55M

UVSP Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$15.60M	$23.25M	$31.98M	$30.67M	$22.13M
Capital Expenditure	-$1.95M	-$1.34M	-$622.00K	-$670.00K	-$578.00K
Free Cash Flow	$13.65M	$21.91M	$31.36M	$30.00M	$21.56M
Depreciation & Amortisation	$1.47M	$1.34M	$1.72M	$1.49M	$1.01M
Stock-Based Compensation	$1.07M	$1.19M	$1.15M	$1.29M	$1.24M
Investing Cash Flow	-$3.10M	$27.21M	$16.75M	-$124.54M	-$37.13M
Financing Cash Flow	-$172.21M	-$59.23M	$607.64M	-$169.15M	-$316.36M
Dividends Paid	-$6.40M	-$6.35M	-$6.33M	-$6.26M	-$6.52M
Share Repurchases	-$8.12M	-$4.90M	-$7.78M	-$15.43M	-$13.77M
Net Change in Cash	-$159.71M	-$8.77M	$656.37M	-$263.03M	-$331.36M

Market Snapshot

About

Univest Financial Corp. is a bank holding company providing a full range of financial services including banking, insurance, and wealth management. The company operates through its subsidiary Univest Bank and Trust, serving customers in Pennsylvania and New Jersey. Univest offers commercial and consumer banking products, investment advisory services, and equipment financing solutions.