What is Univest Financial Corp's earnings per share (EPS)?

Univest Financial Corp (UVSP) reported diluted earnings per share of $3.13 for fiscal year 2025. This represents a 21.3% 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.

Univest Financial Corp Financials

UVSP

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Univest Financial Corp (UVSP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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

Financial Profile 45/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Univest Financial Corp's revenue grew 9.6% year-over-year to $328.1M, a solid pace of expansion. This earns a growth score of 49/100.

Leverage

Univest Financial Corp has elevated debt relative to equity (D/E of 7.94), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Univest Financial Corp converts 29.5% of revenue into free cash flow ($96.9M). This strong cash generation earns a score of 99/100.

Returns

Univest Financial Corp's ROE of 9.6% shows moderate profitability relative to equity, earning a score of 32/100. This is up from 8.6% the prior year.

Piotroski F-Score Neutral

6/9

Univest Financial Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.12x

For every $1 of reported earnings, Univest Financial Corp generates $1.12 in operating cash flow ($101.5M OCF vs $90.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$328.1M

YoY+9.6%

5Y CAGR+10.0%

10Y CAGR+12.4%

Univest Financial Corp generated $328.1M in revenue in fiscal year 2025. This represents an increase of 9.6% from the prior year.

EBITDA

N/A

Net Income

$90.8M

YoY+19.5%

5Y CAGR+14.1%

10Y CAGR+12.8%

Univest Financial Corp reported $90.8M in net income in fiscal year 2025. This represents an increase of 19.5% from the prior year.

EPS (Diluted)

$3.13

YoY+21.3%

5Y CAGR+14.4%

10Y CAGR+8.5%

Univest Financial Corp earned $3.13 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$96.9M

YoY+34.6%

5Y CAGR+15.4%

10Y CAGR+11.2%

Univest Financial Corp generated $96.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 34.6% from the prior year.

Cash & Debt

$553.7M

YoY+68.4%

5Y CAGR+20.3%

10Y CAGR+24.7%

Univest Financial Corp held $553.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.87

YoY+3.6%

5Y CAGR+7.7%

10Y CAGR+0.8%

Univest Financial Corp paid $0.87 per share in dividends in fiscal year 2025. This represents an increase of 3.6% from the prior year.

Shares Outstanding

28M

YoY-3.2%

5Y CAGR-0.9%

10Y CAGR+3.7%

Univest Financial Corp had 28M shares outstanding in fiscal year 2025. This represents a decrease of 3.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

27.7%

YoY+2.3pp

5Y CAGR+4.7pp

10Y CAGR+0.9pp

Univest Financial Corp's net profit margin was 27.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.3 percentage points from the prior year.

Return on Equity

9.6%

YoY+1.1pp

5Y CAGR+2.8pp

10Y CAGR+2.1pp

Univest Financial Corp's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$34.6M

YoY+83.4%

5Y CAGR+51.2%

10Y CAGR+10.0%

Univest Financial Corp spent $34.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 83.4% from the prior year.

Capital Expenditures

$4.6M

YoY+47.7%

5Y CAGR+4.1%

10Y CAGR-2.5%

Univest Financial Corp invested $4.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 47.7% from the prior year.

UVSP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$328.1M+9.6%	$299.2M+0.8%	$296.8M+0.2%	$296.2M+41.2%	$209.7M+2.8%	$203.9M
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$190.3M-5.4%	$201.2M+32.6%	$151.7M+347.6%	$33.9M+58.8%	$21.3M-27.8%	$29.6M
Income Tax	$22.6M+16.6%	$19.4M+10.1%	$17.6M-7.9%	$19.1M-15.3%	$22.5M+125.7%	$10.0M
Net Income	$90.8M+19.5%	$75.9M+6.8%	$71.1M-9.0%	$78.1M-14.9%	$91.8M+95.7%	$46.9M
EPS (Diluted)	$3.13+21.3%	$2.58+7.1%	$2.41-8.7%	$2.64-15.1%	$3.11+94.4%	$1.60

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$84.6M+1.6%	$83.2M+2.7%	$81.0M+2.3%	$79.2M+3.1%	$76.8M+4.7%	$73.4M+1.9%	$72.0M-6.6%	$77.1M
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	$49.2M+1.7%	$48.3M+4.7%	$46.2M-1.0%	$46.6M-10.3%	$52.0M-2.3%	$53.2M+9.1%	$48.8M+3.5%	$47.1M
Income Tax	$6.0M-7.0%	$6.4M+27.5%	$5.0M-2.4%	$5.2M+7.0%	$4.8M+0.3%	$4.8M+7.2%	$4.5M-14.6%	$5.3M
Net Income	$22.7M-11.3%	$25.6M+28.3%	$20.0M-10.8%	$22.4M+18.2%	$18.9M+2.0%	$18.6M+2.6%	$18.1M-10.8%	$20.3M
EPS (Diluted)	N/A	$0.89+29.0%	$0.69-10.4%	$0.77	N/A	$0.63+1.6%	$0.62-10.1%	$0.69

UVSP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.4B+3.8%	$8.1B+4.5%	$7.8B+7.7%	$7.2B+1.4%	$7.1B+12.4%	$6.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$553.7M+68.4%	$328.8M+31.6%	$249.8M+63.5%	$152.8M-82.8%	$890.1M+304.9%	$219.9M
Inventory	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
Goodwill	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M+1.7%	$172.6M
Total Liabilities	$7.5B+3.5%	$7.2B+4.3%	$6.9B+7.7%	$6.4B+1.5%	$6.3B+12.5%	$5.6B
Current Liabilities	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
Total Equity	$943.3M+6.3%	$887.3M+5.7%	$839.2M+8.1%	$776.5M+0.3%	$773.8M+11.7%	$692.5M
Retained Earnings	$591.2M+12.4%	$525.8M+10.8%	$474.7M+10.7%	$428.6M+14.3%	$375.1M+22.2%	$306.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$8.4B-1.6%	$8.6B+8.0%	$7.9B-0.5%	$8.0B-1.9%	$8.1B-0.9%	$8.2B+4.5%	$7.9B+1.4%	$7.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$553.7M-32.2%	$816.7M+409.3%	$160.4M-5.2%	$169.1M-48.6%	$328.8M-34.8%	$504.7M+164.4%	$190.9M-5.3%	$201.6M
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	$7.5B-1.9%	$7.6B+8.8%	$7.0B-0.7%	$7.1B-2.3%	$7.2B-1.2%	$7.3B+4.7%	$7.0B+1.4%	$6.9B
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	$943.3M+1.1%	$933.2M+1.8%	$916.7M+1.5%	$903.5M+1.8%	$887.3M+1.2%	$877.1M+2.7%	$854.1M+1.2%	$843.7M
Retained Earnings	$591.2M+2.9%	$574.7M+3.5%	$555.4M+2.5%	$541.8M+3.0%	$525.8M+2.5%	$512.9M+2.5%	$500.5M+2.4%	$488.8M

UVSP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$101.5M+35.2%	$75.1M-16.3%	$89.7M-18.0%	$109.5M+7.0%	$102.3M+100.0%	$51.2M
Capital Expenditures	$4.6M+47.7%	$3.1M-53.8%	$6.7M+28.8%	$5.2M-11.2%	$5.9M+56.6%	$3.8M
Free Cash Flow	$96.9M+34.6%	$72.0M-13.3%	$83.0M-20.4%	$104.2M+8.1%	$96.5M+103.4%	$47.4M
Investing Cash Flow	-$83.7M+67.8%	-$259.7M+42.8%	-$454.4M+49.4%	-$897.6M-608.0%	-$126.8M+85.4%	-$867.4M
Financing Cash Flow	$207.0M-21.5%	$263.7M-42.9%	$461.7M+808.7%	$50.8M-92.7%	$694.7M-23.7%	$910.9M
Dividends Paid	$25.3M+2.0%	$24.8M-0.8%	$25.1M+1.8%	$24.6M+4.4%	$23.6M+34.4%	$17.5M
Share Buybacks	$34.6M+83.4%	$18.9M+3987.0%	$462K-95.9%	$11.4M+3758.0%	$295K-93.3%	$4.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$30.7M-4.1%	$32.0M+37.5%	$23.3M+49.0%	$15.6M-44.4%	$28.0M-27.9%	$38.9M+1240.6%	-$3.4M-129.5%	$11.6M
Capital Expenditures	$670K+7.7%	$622K-53.8%	$1.3M-31.0%	$1.9M+205.8%	$637K+3.6%	$615K-24.3%	$812K-21.9%	$1.0M
Free Cash Flow	$30.0M-4.3%	$31.4M+43.1%	$21.9M+60.5%	$13.7M-50.2%	$27.4M-28.4%	$38.3M+1006.7%	-$4.2M-140.1%	$10.5M
Investing Cash Flow	-$124.5M-843.4%	$16.8M-38.4%	$27.2M+977.7%	-$3.1M+97.0%	-$104.5M-126.2%	-$46.2M+51.2%	-$94.6M-552.6%	-$14.5M
Financing Cash Flow	-$169.2M-127.8%	$607.6M+1125.8%	-$59.2M+65.6%	-$172.2M-73.2%	-$99.4M-131.0%	$321.1M+267.8%	$87.3M+292.8%	-$45.3M
Dividends Paid	$6.3M-1.1%	$6.3M-0.4%	$6.3M-0.8%	$6.4M+4.9%	$6.1M-0.4%	$6.1M-4.6%	$6.4M+3.4%	$6.2M
Share Buybacks	$15.4M+98.5%	$7.8M+58.7%	$4.9M-25.2%	$6.5M+56.7%	$4.2M-0.3%	$4.2M+3.8%	$4.0M-37.7%	$6.5M

UVSP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	27.7%+2.3pp	25.4%+1.4pp	24.0%-2.4pp	26.4%-17.4pp	43.8%+20.8pp	23.0%
Return on Equity	9.6%+1.1pp	8.6%+0.1pp	8.5%-1.6pp	10.1%-1.8pp	11.9%+5.1pp	6.8%
Return on Assets	1.1%+0.2pp	0.9%+0.0pp	0.9%-0.2pp	1.1%-0.2pp	1.3%+0.5pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.94-0.2	8.16-0.1	8.27-0.0	8.30+0.1	8.20+0.1	8.15
FCF Margin	29.5%+5.5pp	24.1%-3.9pp	28.0%-7.2pp	35.2%-10.8pp	46.0%+22.7pp	23.3%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	26.9%-3.9pp	30.8%+6.2pp	24.6%-3.6pp	28.3%+3.6pp	24.7%-0.7pp	25.3%+0.2pp	25.1%-1.2pp	26.4%
Return on Equity	2.4%-0.3pp	2.8%+0.6pp	2.2%-0.3pp	2.5%+0.3pp	2.1%0.0pp	2.1%0.0pp	2.1%-0.3pp	2.4%
Return on Assets	0.3%-0.0pp	0.3%+0.1pp	0.3%-0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.94-0.2	8.19+0.5	7.66-0.2	7.83-0.3	8.16-0.2	8.36+0.2	8.20+0.0	8.18
FCF Margin	35.5%-2.2pp	37.7%+10.6pp	27.0%+9.8pp	17.2%-18.4pp	35.7%-16.5pp	52.2%+58.1pp	-5.9%-19.5pp	13.7%

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Frequently Asked Questions

What is Univest Financial Corp's annual revenue?

Univest Financial Corp (UVSP) reported $328.1M in total revenue for fiscal year 2025. This represents a 9.6% 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 9.6% year-over-year, from $299.2M to $328.1M in fiscal year 2025.

Is Univest Financial Corp profitable?

Yes, Univest Financial Corp (UVSP) reported a net income of $90.8M in fiscal year 2025, with a net profit margin of 27.7%.

What is Univest Financial Corp's net profit margin?

Univest Financial Corp (UVSP) had a net profit margin of 27.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Univest Financial Corp pay dividends?

Yes, Univest Financial Corp (UVSP) paid $0.87 per share in dividends during fiscal year 2025.

What is Univest Financial Corp's return on equity (ROE)?

Univest Financial Corp (UVSP) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Univest Financial Corp's free cash flow?

Univest Financial Corp (UVSP) generated $96.9M in free cash flow during fiscal year 2025. This represents a 34.6% 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 $101.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Univest Financial Corp's total assets?

Univest Financial Corp (UVSP) had $8.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Univest Financial Corp's capital expenditures?

Univest Financial Corp (UVSP) invested $4.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Univest Financial Corp buy back shares?

Yes, Univest Financial Corp (UVSP) spent $34.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Univest Financial Corp have outstanding?

Univest Financial Corp (UVSP) had 28M shares outstanding as of fiscal year 2025.

What is Univest Financial Corp's debt-to-equity ratio?

Univest Financial Corp (UVSP) had a debt-to-equity ratio of 7.94 as of fiscal year 2025, 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 1.1% for fiscal year 2025, 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 6 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 1.12x, considered cash-backed (high 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 45 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.