Univest Financial Corp Financials
This page shows Univest Financial Corp (UVSP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Univest Financial Corp's revenue grew a modest 0.8% year-over-year to $299.2M. This slow but positive growth earns a score of 31/100.
Univest Financial Corp has elevated debt relative to equity (D/E of 8.16), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Univest Financial Corp converts 24.1% of revenue into free cash flow ($72.0M). This strong cash generation earns a score of 100/100.
Univest Financial Corp's ROE of 8.6% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 8.5% the prior year.
Univest Financial Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Univest Financial Corp generates $0.99 in operating cash flow ($75.1M OCF vs $75.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Univest Financial Corp generated $299.2M in revenue in fiscal year 2024. This represents an increase of 0.8% from the prior year.
Univest Financial Corp generated $72.0M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 13.3% from the prior year.
Univest Financial Corp reported $75.9M in net income in fiscal year 2024. This represents an increase of 6.8% from the prior year.
Univest Financial Corp earned $2.58 per diluted share (EPS) in fiscal year 2024. This represents an increase of 7.1% from the prior year.
Univest Financial Corp held $328.8M in cash against $0 in long-term debt as of fiscal year 2024.
Univest Financial Corp paid $0.84 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Univest Financial Corp had 29M shares outstanding in fiscal year 2024. This represents a decrease of 1.8% from the prior year.
Univest Financial Corp's net profit margin was 25.4% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1.4 percentage points from the prior year.
Univest Financial Corp's ROE was 8.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the prior year.
Univest Financial Corp spent $18.9M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 3987.0% from the prior year.
Univest Financial Corp invested $3.1M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 53.8% from the prior year.
UVSP Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $83.2M+2.7% | $81.0M+2.3% | $79.2M+3.1% | $76.8M+6.7% | $72.0M-6.6% | $77.1M+192.8% | $26.3M-72.9% | $97.1M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $48.3M+4.7% | $46.2M-1.0% | $46.6M-10.3% | $52.0M+6.6% | $48.8M+3.5% | $47.1M-2.7% | $48.5M+11.4% | $43.5M |
| Income Tax | $6.4M+27.5% | $5.0M-2.4% | $5.2M+7.0% | $4.8M+7.5% | $4.5M-14.6% | $5.3M+26.6% | $4.1M-2.4% | $4.3M |
| Net Income | $25.6M+28.3% | $20.0M-10.8% | $22.4M+18.2% | $18.9M+4.6% | $18.1M-10.8% | $20.3M+24.9% | $16.3M-4.5% | $17.0M |
| EPS (Diluted) | $0.89+29.0% | $0.69-10.4% | $0.77+20.3% | $0.64+3.2% | $0.62-10.1% | $0.69+25.5% | $0.55-5.2% | $0.58 |
UVSP Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.6B+8.0% | $7.9B-0.5% | $8.0B-1.9% | $8.1B+3.5% | $7.9B+1.4% | $7.7B-0.4% | $7.8B-0.6% | $7.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $816.7M+409.3% | $160.4M-5.2% | $169.1M-48.6% | $328.8M+72.2% | $190.9M-5.3% | $201.6M-19.3% | $249.8M-14.0% | $290.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $175.5M0.0% | $175.5M0.0% | $175.5M0.0% | $175.5M0.0% | $175.5M0.0% | $175.5M0.0% | $175.5M0.0% | $175.5M |
| Total Liabilities | $7.6B+8.8% | $7.0B-0.7% | $7.1B-2.3% | $7.2B+3.4% | $7.0B+1.4% | $6.9B-0.6% | $6.9B-1.1% | $7.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $933.2M+1.8% | $916.7M+1.5% | $903.5M+1.8% | $887.3M+3.9% | $854.1M+1.2% | $843.7M+0.5% | $839.2M+4.0% | $807.2M |
| Retained Earnings | $574.7M+3.5% | $555.4M+2.5% | $541.8M+3.0% | $525.8M+5.1% | $500.5M+2.4% | $488.8M+3.0% | $474.7M+2.2% | $464.6M |
UVSP Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $32.0M+37.5% | $23.3M+49.0% | $15.6M-44.4% | $28.0M+922.2% | -$3.4M-129.5% | $11.6M-58.5% | $27.9M+27.8% | $21.8M |
| Capital Expenditures | $622K-53.8% | $1.3M-31.0% | $1.9M+205.8% | $637K-21.6% | $812K-21.9% | $1.0M-30.9% | $1.5M+59.0% | $946K |
| Free Cash Flow | $31.4M+43.1% | $21.9M+60.5% | $13.7M-50.2% | $27.4M+749.0% | -$4.2M-140.1% | $10.5M-60.1% | $26.4M+26.4% | $20.9M |
| Investing Cash Flow | $16.8M-38.4% | $27.2M+977.7% | -$3.1M+97.0% | -$104.5M-10.5% | -$94.6M-552.6% | -$14.5M-174.6% | $19.4M+122.0% | -$88.1M |
| Financing Cash Flow | $607.6M+1125.8% | -$59.2M+65.6% | -$172.2M-73.2% | -$99.4M-213.9% | $87.3M+292.8% | -$45.3M+48.5% | -$87.8M-140.6% | $216.2M |
| Dividends Paid | $6.3M-0.4% | $6.3M-0.8% | $6.4M+4.9% | $6.1M-4.9% | $6.4M+3.4% | $6.2M+0.1% | $6.2M+0.1% | $6.2M |
| Share Buybacks | $7.8M+58.7% | $4.9M-25.2% | $6.5M+56.7% | $4.2M+3.4% | $4.0M-37.7% | $6.5M+1302.2% | $462K | $0 |
UVSP Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 30.8%+6.2pp | 24.6%-3.6pp | 28.3%+3.6pp | 24.7%-0.5pp | 25.1%-1.2pp | 26.4%-35.4pp | 61.8%+44.2pp | 17.5% |
| Return on Equity | 2.8%+0.6pp | 2.2%-0.3pp | 2.5%+0.3pp | 2.1%0.0pp | 2.1%-0.3pp | 2.4%+0.5pp | 1.9%-0.2pp | 2.1% |
| Return on Assets | 0.3%+0.1pp | 0.3%-0.0pp | 0.3%+0.1pp | 0.2%0.0pp | 0.2%-0.0pp | 0.3%+0.1pp | 0.2%-0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.19+0.5 | 7.66-0.2 | 7.83-0.3 | 8.16-0.0 | 8.20+0.0 | 8.18-0.1 | 8.27-0.4 | 8.70 |
| FCF Margin | 37.7%+10.6pp | 27.0%+9.8pp | 17.2%-18.4pp | 35.7%+41.5pp | -5.9%-19.5pp | 13.7%-86.5pp | 100.2%+78.7pp | 21.5% |
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Frequently Asked Questions
What is Univest Financial Corp's annual revenue?
Univest Financial Corp (UVSP) reported $299.2M in total revenue for fiscal year 2024. This represents a 0.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Univest Financial Corp's revenue growing?
Univest Financial Corp (UVSP) revenue grew by 0.8% year-over-year, from $296.8M to $299.2M in fiscal year 2024.
Is Univest Financial Corp profitable?
Yes, Univest Financial Corp (UVSP) reported a net income of $75.9M in fiscal year 2024, with a net profit margin of 25.4%.
What is Univest Financial Corp's earnings per share (EPS)?
Univest Financial Corp (UVSP) reported diluted earnings per share of $2.58 for fiscal year 2024. This represents a 7.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Univest Financial Corp's net profit margin?
Univest Financial Corp (UVSP) had a net profit margin of 25.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Univest Financial Corp pay dividends?
Yes, Univest Financial Corp (UVSP) paid $0.84 per share in dividends during fiscal year 2024.
What is Univest Financial Corp's return on equity (ROE)?
Univest Financial Corp (UVSP) has a return on equity of 8.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Univest Financial Corp's free cash flow?
Univest Financial Corp (UVSP) generated $72.0M in free cash flow during fiscal year 2024. This represents a -13.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Univest Financial Corp's operating cash flow?
Univest Financial Corp (UVSP) generated $75.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Univest Financial Corp's total assets?
Univest Financial Corp (UVSP) had $8.1B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Univest Financial Corp's capital expenditures?
Univest Financial Corp (UVSP) invested $3.1M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Univest Financial Corp buy back shares?
Yes, Univest Financial Corp (UVSP) spent $18.9M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Univest Financial Corp have outstanding?
Univest Financial Corp (UVSP) had 29M shares outstanding as of fiscal year 2024.
What is Univest Financial Corp's debt-to-equity ratio?
Univest Financial Corp (UVSP) had a debt-to-equity ratio of 8.16 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Univest Financial Corp's return on assets (ROA)?
Univest Financial Corp (UVSP) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Univest Financial Corp's Piotroski F-Score?
Univest Financial Corp (UVSP) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Univest Financial Corp's earnings high quality?
Univest Financial Corp (UVSP) has an earnings quality ratio of 0.99x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Univest Financial Corp?
Univest Financial Corp (UVSP) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.